Financial highlights for FY 2023 in GEL
32,965
Total Assets in mln
FY 2022: 28,988
Change +13.7%
1,140
Net Profit in mln
FY 2022: 1,003
Change +13.6%
26.5%
ROE
FY 2022: 27.0%
Change -0.5 pp
22,074
Gross Loans in mln
FY 2022: 18,205
Change +21.3%
20,375
Customer Deposits in mln
FY 2022: 18,037
Change +13.0%
3.9%
ROA
FY 2022: 3.8%
Change +0.1pp
36.2%
Cost to Income
FY 2022: 33.4%
Change +2.8pp
0.8%
Cost of risk
FY 2022: 0.7%
Change 0.1pp
2.0%
NPL to Gross Loans
FY 2022: 2.2%
Change -0.2pp
146.3%
Total NPLs Coverage
FY 2022: 155.6%
Change -9.3pp
96.1%
Net loans to deposits + IFI
FY 2022: 88.5%
Change +7.6pp
17.4%
Basel III CET 1*
FY 2022: N/A
Change N/A
22.1%
Basel III total CAR*
FY 2022: N/A
Change N/A
115.3%
Liquidity Coverage Ratio*
FY 2022: N/A
Change N/A
119.9%
Net Stable Funding Ratio*
FY 2022: N/A
Change N/A
* Since January 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 FY 2023
5.9
Monthly active customers in mln
FY 2022: 4.4
c. 4,400
Self-service terminals
FY 2022: c. 4,300
135
Branches
FY 2022: 142
774
ATMs
FY 2022: 695
c. 32,600
Active merchant terminals
FY 2022: c. 28,800