Bank of Georgia Financial Snapshot and Loan Portfolio Quality
Retail Banking - loan and deposit portfolio
Loan portfolio
+10.3%
+13.1%
All currency data are in GEL m unless otherwise stated
Deposit portfolio
+24.9%
+34.4%
+4.7%
+5.6%
+4.0%
+4.0%
Growth on a
10,133
10,924
10,663
11,255
7,014
7,122
7,305
7,392
7,735
9,010
constant
2,130
1,972
1,998
1,883
1,913
currency
basis
8,060
7,613
7,854
7,567
6,512
4,884
5,150
5,307
5,508
5,823
Jun-22
Sep-22
Dec-22
Mar-23
Jun-23
Net loans GEL
Net loans FC
Loan yield
2,498
Jun-22
2,565
Sep-22
2,864
3,049
3,401
Dec-22
Mar-23
Jun-23
■Client deposits and notes GEL
Cost of deposits
17.0% 17.2%
16.7%
16.9%
16.7%
17.0%
16.8%
8.8%
8.6%
■Client deposits and notes FC
8.1%
8.2%
8.3%
8.6%
8.2%
13.7%
14.0%
13.9% 14.3% 14.3%
14.3%
13.5%
2.8%
2.6%
2.5%
2.7%
2.9%
2.8%
2.8%
6.0%
5.9%
6.3%
6.7%
7.0%
6.8%
5.8%
0.6%
0.5%
0.6%
0.7%
0.7%
0.6%
0.7%
2Q22
3Q22
4Q22
1Q23
2Q23
1H22
1H23
Loan yield
Loan yield (GEL)
Loan yield (FC)
2Q22
3Q22
4Q22
1Q23
2Q23
1H22
1H23
-Cost of deposits
Cost of deposits (GEL)
Cost of deposits (FC)
40
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 changeView entire presentation