Financial highlights for 3Q 2025 in GEL
43,621
Total Assets in mln
30 Sep 2024: 37,972
Change +15%
368
Net Profit in mln
3Q 2024: 347
Change +6%
24.4%
ROE
3Q 2024: 26.6%
Change -2.2 pp
28,714
Gross Loans in mln
30 Sep 2024: 25,316
Change +13%
24,637
Customer Deposits in mln
30 Sep 2024: 21,836
Change +13%
3.3%
ROA
3Q 2024: 3.7%
Change -0.4pp
37.7%
Cost to Income
3Q 2024: 37.2%
Change +0.5pp
1.6%
Cost of risk
3Q 2024: 0.8%
Change +0.8pp
2.7%
NPL to Gross Loans
3Q 2024: 2.2%
Change +0.5pp
136.3%
Total NPL Coverage
3Q 2024: 141.6%
Change -5.3pp
98.5%
Net loans to deposits + IFI
3Q 2024: 99.7%
Change -1.2pp
16.7%
Basel III CET 1*
3Q 2024: 16.6%
Change +0.1pp
22.9%
Basel III total CAR*
3Q 2024: 23.9%
Change -1.0pp
135.1%
Liquidity Coverage Ratio*
3Q 2024: 121.1%
Change +14.0pp
126.3%
Net Stable Funding Ratio*
3Q 2024: 123.1%
Change +3.2pp
* Capital adequacy ratios are calculated for Georgian bank only per IFRS
IFRS Consolidated figures
Selected operating data for 3Q 2025
7.5 mln
Monthly active customers
3Q 2024: 6.6 mln
6.9 mln
Digital MAU
3Q 2024: 5.9 mln
4,500
Self-service terminals
3Q 2024: 4,500
121
Branches
3Q 2024: 131
1,030
ATMs
3Q 2024: 960
40,400
Active merchant terminals
3Q 2024: 35,800