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
