Investor Presentaiton
Listed
portfolio
BANK OF GEORGIA
BANK OF GEORGIA OVERVIEW
http://bankofgeorgiagroup.com/
Stock price performance
GEORGIA
CAPITAL
Financial metrics (GEL million)
2018
2019
2017
2016
2015
7.3%
6.5%
5.6%
GBP 15.54
7.4%
7.7%
as of 30-Sep-21
NIM
83.4%
40.00
35.00
30.00
25.00
20.00
15.00
10.00
5.00
NPL coverage
May-18
Jul-18
Sep-18
Nov-18
Jan-19
Mar-19
May-19
Jul-19
Sep-19
Nov-19
Jan-20
Selected operating metrics
Mar-20
May-20
Jul-20
Sep-20
Nov-20
Jan-21
Mar-21
May-21
Jul-21
Loan portfolio
Sep-21
Cost/income²
Retail active clients ('000)
% share of digital transactions in
total transactions
30-Sep-20
30-Sep-21
Change
1,472
1,530
+4.0%
3Q20
3Q21
Change
95.1%
96.5%
1.4ppts
GEL 15.2 billion gross loan portfolio breakdown* | 30 September 2021
Corporate loans,
GEL 5,173 million,
34.0%
Retail loans,
GEL 10,021 million,
66.0%
* Bank of Georgia Standalone.
2020 3Q20 3Q21 Change
4.6%
5.0% +0.2ppts
86.7% 92.7% 90.5% 80.9% 76.3% 76.8% 90.9% +14.1ppts
5,367 6,682 7,741 9,398 11,931 14,192 13,627 15,579 +14.3%
35.5% 37.7% 37.7% 36.7% 37.8% 39.7% 37.1% 36.8% -0.3ppts
4.8%
Loan book growth
27.0%
Profits & ROAE
ROAE¹
21.9%
22.2%
25.2%
26.4%
26.1%
13.0%
9.9%
25.7%
24.5%
20.8%
526
500
21.4%
15.9%
Dividend record³ (GEL million)
Payout 10%
ratio:
15%
30%
36% 33% 34% 32% 30% 30%
18.9%
Total dividend paid for the year
Dividend per share
14.3%
Dividend per share CAGR (GEL) - 34.3%
2.44
2.55
2.08
1.92
1.6
1.68
1.2
122
124
0.56
98
102
72
80
0.24
51
24
295
GEL million
370
379
296
274
163
Interim
dividend
2015
2016
2017
2018
2019
2020
9M20
9M21
2015
2016
2017
2018
2019
2020
9M21
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
Georgia Capital PLC | 1. 2019 ROAE is adjusted for termination costs of former CEO and executive management, while 2018 ROAE is adjusted for demerger related expenses, one-off impact of re-measurement of deferred tax balance and termination costs of the former CEO. 2. 2019
cost/income ratio adjusted for GEL 12.4 million one-off employee costs (gross of income tax) related to termination benefits of the former executive management. 3. Actual dividend per share information for 2010-2016 years are adjusted for 19.9% Bog share issuance.
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