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