Bank of Georgia Growth and Reform Strategy
STABLE COST OF FUNDING
Cost of Customer Funds | quarterly
Cost of Customer Funds | full year
Banking Business
Banking Business
120%
3.4%
4%
120%
3.8%
3.5%
3.5%
4%
2.9%
3.0%
3.0%
100%
100%
3%
3%
80%
80%
67.5%
69.3%
69.3%
60%
2%
60%
76.8%
69.5%
67.5%
69.3%
2%
40%
40%
1%
1%
20%
20%
32.5%
30.7%
30.7%
23.2%
30.5%
32.5%
30.7%
0%
0%
0%
olo olo olo olo o
0%
4Q18
3Q19
4Q19
2016
2017
2018
2019
I Client deposits, FC, consolidated
Client deposits, GEL, consolidated
Currency-blended cost of client deposits, annualised
Cost of Funds | quarterly
Client deposits and notes, FC, consolidated
Client deposits and notes, GEL, consolidated
-Currency-blended cost of client deposits and notes
Cost of Funds | full year
Banking Business
Banking Business
6%
6%
5.0%
5.0%
4.7%
4.7%
4.7%
5%
4.5%
4.6%
5%
4%
4%
3%
3%
2%
2%
1%
1%
0%
0%
4Q18
3Q19
4Q19
2016
2017
2018
2019
BANK OF GEORGIA
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