Georgia Capital Financial Highlights
Listed
portfolio
Bank of Georgia (BOG) Overview (cont'd)
http://bankofgeorgiagroup.com/
23
18
13
8
Stock price performance
May-18
Jun-18
Jul-18
Aug-18
Sep-18
Oct-18
Oct-18
Nov-18
Dec-18
Jan-19
Feb-19
Feb-19
Mar-19
GBP 17.14
as of 26-Feb-2020
Apr-19
May-19
Jun-19
Jul-19
-19
Aug-19
Aug-19
Sep-19
Oct-19
Nov-19
Nov-19
Dec-19
Jan-20
Feb-20
Selected operating metrics
Retail clients ('000)
Digital transactions (millions)
Net profit
ROAE
NIM
NPL coverage
Loan portfolio
Cost/income
BANK OF GEORGIA
GEORGIA
CAPITAL
Financial metrics (GEL millions)
2015
2016
2017
2018
2019
Change
21.9%
22.2%
25.2%
26.4%²
26.1%³
-0.3ppts
7.7%
7.4%
7.3%
6.5%
5.6%
-0.9ppts
83.4%
86.7%
92.7%
90.5%
80.9%
-9.6ppts
5,367
6,682
7,741
9,398
11,931
+27.0%
35.5%
37.7%
37.7%
36.7%
37.8%
+1.1ppts
GEL 11.4 billion loan portfolio breakdown* | 31 December 2019
Corporate loans,
GEL 3,878.1 million,
34.0%
2018
2019
2,441
2,540
156.4
181.2
* Bank of Georgia Standalone.
Retail loans,
GEL 7,536.9 million,
66.0%
Loan book growth
Dividend record¹ (GEL m)
GEL millions
30.0%
500
370
379
25.0%
296
274
Payout 10%
ratio:
15%
30% 36% 33% 34% 32%
30%
30%
26%
27.0%
150
24.5%
20.8%
20.0%
Dividend per share CAGR (GEL) - 30.7%
2.55
2.67
3.00
2.44
2.08
1.92
21.4%
1.68
100
1.60
2.00
1.20
15.0%
15.9%
50
0.56
122
124
130
98
102
0.24
72
80
1.00
9
24
51
10.0%
2015
2016 2017
2018
2019
2015
2016 2017
2018
2019
0
0.00
2010
2011
2012
2013
2014
2015
2016
Total dividend paid for the year
2017 2018
Dividend per share
2019
(1) Actual dividend per share information for 2010-2016 years are
adjusted for 19.9% Bog share issuance.
(2) Adjusted for demerger related expenses, one-off impact of re-measurement of deferred tax balance and termination costs of the former CEO.
(3) ROAE adjusted for termination costs of the former CEO and executive management.
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