Financial highlights for 2Q 2025 in GEL
41,963
Total Assets in mln
30 Jun 2024: 35,780
Change +17%
346
Net Profit in mln
2Q 2024: 329
Change +5%
24.3%
ROE
2Q 2024: 27.1%
Change -2.8 pp
28,470
Gross Loans in mln
30 Jun 2024: 24,611
Change +16%
23,306
Customer Deposits in mln
30 Jun 2024: 20,699
Change +13%
3.4%
ROA
2Q 2024: 3.8%
Change -0.4pp
37.6%
Cost to Income
2Q 2024: 37.8%
Change -0.2pp
1.6%
Cost of risk
2Q 2024: 0.5%
Change +1.1pp
2.5%
NPL to Gross Loans
2Q 2024: 2.1%
Change +0.4pp
142.4%
Total NPL Coverage
2Q 2024: 141.6%
Change +0.8pp
103.5%
Net loans to deposits + IFI
2Q 2024: 102.0%
Change +1.5pp
16.4%
Basel III CET 1*
2Q 2024: 16.8%
Change -0.4pp
23.0%
Basel III total CAR*
2Q 2024: 25.9%
Change -2.9pp
116.3%
Liquidity Coverage Ratio*
2Q 2024: 118.1%
Change -1.8pp
124.4%
Net Stable Funding Ratio*
2Q 2024: 118.2%
Change +6.2pp
* Capital adequacy ratios are calculated for Georgian bank only per IFRS
IFRS Consolidated figures
Selected operating data for 2Q 2025
7.4 mln
Monthly active customers
2Q 2024: 6.4 mln
6.8 mln
Digital MAU
2Q 2024: 5.7 mln
4,500
Self-service terminals
2Q 2024: 4,400
123
Branches
2Q 2024: 130
1,020
ATMs
2Q 2024: 880
39,500
Active merchant terminals
2Q 2024: 34,900