Investor Presentaiton
NOTES TO KEY RATIOS
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Cost of funds Interest expense of the period divided by monthly average interest bearing liabilities;
Cost of credit risk Expected loss/impairment charge for loans to customers and finance lease receivables for the period divided by monthly average gross loans to
customers and finance lease receivables over the same period;
Cost to income ratio Operating expenses divided by operating income;
Interest bearing liabilities Amounts owed to credit institutions, client deposits and notes, and debt securities issued;
Interest earning assets (excluding cash) Amounts due from credit institutions, investment securities (but excluding corporate shares) and net loans to customers and
finance lease receivables;
Leverage (times) Total liabilities divided by total equity;
Liquid assets Cash and cash equivalents, amounts due from credit institutions and investment securities;
Liquidity coverage ratio (LCR) High quality liquid assets (as defined by NBG) divided by net cash outflows over the next 30 days (as defined by NBG);
Loan yield Interest income from loans to customers and finance lease receivables divided by monthly average gross loans to customers and finance lease receivables;
NBG liquidity ratio Daily average liquid assets (as defined by NBG) during the month divided by daily average liabilities (as defined by NBG) during the month;
NBG (Basel III) Common Equity Tier I capital adequacy ratio Common Equity Tier I capital divided by total risk weighted assets, both calculated in accordance with the
requirements of the National Bank of Georgia instructions;
NBG (Basel III) Tier I capital adequacy ratio Tier I capital divided by total risk weighted assets, both calculated in accordance with the requirements of the National Bank
of Georgia instructions;
NBG (Basel III) Total capital adequacy ratio Total regulatory capital divided by total risk weighted assets, both calculated in accordance with the requirements of the
National Bank of Georgia instructions;
Net interest margin (NIM) Net interest income of the period divided by monthly average interest earning assets excluding cash for the same period;
Non-performing loans (NPLs) The principal and interest on loans overdue for more than 90 days and any additional potential losses estimated by management;
NPL coverage ratio Allowance for expected credit loss/impairment loss of loans and finance lease receivables divided by NPLs;
NPL coverage ratio adjusted for discounted value of collateral Allowance for expected credit loss/impairment loss of loans and finance lease receivables divided by NPLs
(discounted value of collateral is added back to allowance for expected credit loss/impairment loss);
Operating leverage Percentage change in operating income less percentage change in operating expenses;
Return on average total assets (ROAA) Profit for the period divided by monthly average total assets for the same period;
Return on average total equity (ROAE) Profit for the period attributable to shareholders of the Group divided by monthly average equity attributable to shareholders of
the Group for the same period;
NMF Not meaningful
BANK OF GEORGIA
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