Financial highlights for 2Q 2024 in GEL
35,780
Total Assets in mln
2Q 2023: 28,879
Change +24%
329
Net Profit in mln
2Q 2023: 293
Change +12%
27.1%
ROE
2Q 2023: 28.1%
Change -1.0 pp
24,129
Gross Loans in mln
2Q 2023: 19,361
Change +25%
21,465
Customer Deposits in mln
2Q 2023: 18,992
Change +13%
3.8%
ROA
2Q 2023: 4.2%
Change -0.4pp
37.8%
Cost to Income
2Q 2023: 34.7%
Change +3.1pp
0.5%
Cost of risk
2Q 2023: 0.6%
Change -0.1pp
2.0%
NPL to Gross Loans
2Q 2023: 2.1%
Change -0.1pp
141.9%
Total NPL Coverage
2Q 2023: 153.7%
Change -11.8pp
100.0%
Net loans to deposits + IFI
2Q 2023: 90.6%
Change +9.4pp
16.8%
Basel III CET 1*
2Q 2023: 18.3%
Change -1.5pp
22.3%
Basel III total CAR*
2Q 2023: 20.7%
Change +1.6pp
118.1%
Liquidity Coverage Ratio*
2Q 2023: 124.5%
Change -6.4pp
118.2%
Net Stable Funding Ratio*
2Q 2023: 129.8%
Change -11.6pp
* Capital adequacy ratios are calculated for Georgian bank only per IFRS
IFRS Consolidated figures
Selected operating data for 2Q 2024
6.4
Monthly active customers in mln
2Q 2023: 5.0 mln
c. 4,400
Self-service terminals
2Q 2023: c. 4,400
130
Branches
2Q 2023: 137
c. 880
ATMs
2Q 2023: c. 720
c. 35,200
Active merchant terminals
2Q 2023: c. 30,600