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