Financial highlights for 3Q 2024 in GEL
37,972
Total Assets in mln
3Q 2023: 29,956
Change +27%
347
Net Profit in mln
3Q 2023: 300
Change +16%
26.6%
ROE
3Q 2023: 27.6%
Change -1.0 pp
24,779
Gross Loans in mln
3Q 2023: 20,365
Change +22%
22,548
Customer Deposits in mln
3Q 2023: 18,722
Change +20%
3.7%
ROA
3Q 2023: 4.1%
Change -0.4pp
37.2%
Cost to Income
3Q 2023: 35.4%
Change +1.8pp
0.8%
Cost of risk
3Q 2023: 0.9%
Change -0.1pp
2.1%
NPL to Gross Loans
3Q 2023: 2.0%
Change +0.1pp
140.9%
Total NPL Coverage
3Q 2023: 151.6%
Change -10.7pp
97.6%
Net loans to deposits + IFI
3Q 2023: 96.9%
Change +0.7pp
16.6%
Basel III CET 1*
3Q 2023: 17.5%
Change -0.9pp
23.9%
Basel III total CAR*
3Q 2023: 22.3%
Change +1.6pp
121.1%
Liquidity Coverage Ratio*
3Q 2023: 114.1%
Change +7.0pp
123.1%
Net Stable Funding Ratio*
3Q 2023: 124.1%
Change -1.0pp
* Capital adequacy ratios are calculated for Georgian bank only per IFRS
IFRS Consolidated figures
Selected operating data for 3Q 2024
6.6
Monthly active customers in mln
3Q 2023: 5.2 mln
c. 4,500
Self-service terminals
3Q 2023: c. 4,300
131
Branches
3Q 2023: 135
c. 960
ATMs
3Q 2023: c. 740
c. 35,800
Active merchant terminals
3Q 2023: c. 31,000