Investor Presentaiton
Retail Banking - loan and deposit portfolio
Loan portfolio
+16.4%
+16.2%
All currency data are in GEL m unless otherwise stated
Deposit portfolio
+15.3%
+15.1%
+5.5%
+7.4%
+5.0%
+6.4%
7,305
7,392
7,735
8,059
8,503
Growth on a
constant
10,924
10,663
11,255
11,729
12,598
1,998
1,883
1,913
1,902
1,955
currency
basis
8,483
8,060
7,613
7,854
8,066
5,307
5,508
5,823
6,157
6,547
Dec-22
Mar-23
Jun-23
Net loans GEL
Sep-23
■Net loans FC
Dec-23
Loan yield
2,864
3,049
3,401
3,663
4,115
Dec-22
Mar-23
Jun-23
Sep-23
Dec-23
■Client deposits and notes GEL
Cost of deposits
16.7% 16.9%
16.7%
16.5% 16.3%
17.0%
16.6%
8.1%
8.2%
■Client deposits and notes FC
8.3%
8.1%
8.1%
8.5%
8.2%
13.9% 14.3% 14.3% 14.0% 13.9%
13.7%
14.1%
2.5%
2.7%
2.9%
3.0%
3.2%
3.0%
2.7%
6.3%
6.7%
7.0%
6.2%
5.8%
5.9%
6.4%
0.6%
0.7%
0.7%
0.8%
1.0%
0.6%
0.8%
4Q22
1Q23
2Q23
3Q23
4Q23
FY22
FY23
Loan yield
Loan yield (GEL)
Loan yield (FC)
4Q22
1Q23
2Q23
3Q23
4Q23
FY22
FY23
-Cost of deposits
Cost of deposits (GEL)
Cost of deposits (FC)
41
In the first quarter of 2023 we split the SME Banking segment from Retail Banking and transferred the majority of the Micro portfolio, where customers had business-related needs, to SME Banking. The remaining Micro portfolio has been
transferred to Mass Retail. The comparative figures have been restated accordingly to reflect this change.View entire presentation