Financial highlights for 1Q 2025 in GEL
40,229
Total Assets in mln
31 Mar 2024: 33,262
Change +21%
319
Net Profit in mln
1Q 2024: 296
Change +7%
23.2%
ROE
1Q 2024: 25.1%
Change -1.9 pp
27,350
Gross Loans in mln
31 Mar 2024: 22,969
Change +19%
22,320
Customer Deposits in mln
31 Mar 2024: 19,729
Change +13%
3.2%
ROA
1Q 2024: 2.6%
Change -0.4pp
37.2%
Cost to Income
1Q 2024: 37.2%
Change -0.0pp
1.4%
Cost of risk
1Q 2024: 0.8%
Change +0.6pp
2.5%
NPL to Gross Loans
1Q 2024: 2.2%
Change +0.3pp
140.4%
Total NPL Coverage
1Q 2024: 138.4%
Change +2.0pp
105.4%
Net loans to deposits + IFI
1Q 2024: 98.5%
Change +6.9pp
16.4%
Basel III CET 1*
1Q 2024: 16.6%
Change -0.2pp
23.1%
Basel III total CAR*
1Q 2024: 21.5%
Change +1.6pp
119.0%
Liquidity Coverage Ratio*
1Q 2024: 114.6%
Change +4.4pp
125.6%
Net Stable Funding Ratio*
1Q 2024: 114.8%
Change +10.8pp
* Capital adequacy ratios are calculated for Georgian bank only per IFRS
IFRS Consolidated figures
Selected operating data for 1Q 2025
7.9 mln
Monthly active customers
1Q 2024: 6.3 mln
7.2 mln
Digital MAU
1Q 2024: 5.6 mln
4,400
Self-service terminals
1Q 2024: 4,400
124
Branches
1Q 2024: 130
1,000
ATMs
1Q 2024: 830
37,100
Active merchant terminals
1Q 2024: 32,400