Financial highlights for Q2 2023 in GEL

28,934 Total Assets in mln

Q2 2022: 26,027
Change +11.2%
293.1 Net Profit in mln

Q2 2022: 234.6
Change +24.9%
28.1% ROE

Q2 2022: 25.7%
Change +2.4 pp
19,361 Gross Loans in mln

Q2 2022: 17,535
Change +10.4%
18,992 Customer Deposits in mln

Q2 2022: 15,773
Change +20.4%
4.2% ROA

Q2 2022: 3.7%
Change +0.5pp
34.7% Cost to Income

Q2 2022: 35.3%
Change -0.6pp
0.6% Cost of risk

Q2 2022: 0.9%
Change -0.3pp
2.1% NPL to Gross Loans

Q2 2022: 2.3%
Change -0.2pp
153.7% Total NPLs Coverage

Q2 2022: 167.5%
Change -13.8pp
90.6% Net loans to deposits + IFI

Q2 2022: 97.7%
Change -7.1pp
18.3% Basel III CET 1*

Q2 2022: N/A
Change N/A
23.1% Basel III total CAR*

Q2 2022: N/A
Change N/A
124.5% Liquidity Coverage Ratio*

Q2 2022: N/A
Change N/A
129.8% Net Stable Funding Ratio*

Q2 2022: N/A
Change N/A

* Since March 2023, NSFR, LCR and capital adequacy ratios are calculated per IFRS, previously these ratios were calculated based on local standards.

IFRS Consolidated figures 

Selected operating data for Q2 2023

5.1 Monthly active users in mln

Q2 2022: 3.7
c. 4,400 Self-service terminals

Q2 2022: c. 4,200
137 Branches

Q2 2022: 144
715 ATMs

Q2 2022: 639
c. 30,600 Active merchant terminals

Q2 2022: c. 27,500