0.934
RevenueGEL B
0.628
0.681
0.750
0.799
0.872
0.948
1.038
1.110
1.199
1.318
1.044
8.62%
8.75%
50
10.31
Revenue growth%
16.66
19.33
16.55
16.96
16.91
17.83
20.14
19.38
19.77
20.10
25.07
19.77
18.58
58
3.46
NIM%
21.63
21.30
19.99
19.90
21.05
23.79
21.04
22.18
23.62
21.99
18.34
22.18
21.47
93
3.65
Effic. R.%
22.23
19.28
19.94
18.01
20.78
20.74
20.64
18.03
19.15
16.58
16.58
19.15
19.61
67
9.95
Net margin%
0.40
2.01
1.25
0.40
0.40
0.40
1.72
0.40
0.40
0.40
18.39
0.40
0.40
78
9.327
P/E ratio (avg)x
17.83
16.97
14.70
12.91
11.94
11.39
11.41
10.00
10.75
11.36
19.74
11.36
11.68
81
36.71
P/TBVx
27.78
28.78
33.41
38.72
46.11
53.89
54.86
53.28
51.89
57.52
13.27
53.89
49.00
84
7.122
P/Bx
42.34
43.76
40.56
44.02
47.88
42.24
46.46
46.71
42.24
40.35
10.14
42.24
43.05
38
0.760
NIIGEL B
0.422
0.465
0.514
0.544
0.596
0.649
0.693
0.743
0.804
0.886
1.568
8.25%
8.57%
—
15.06
NII grth%
12.63
9.76
12.39
10.51
13.43
10.46
12.50
15.03
13.26
11.72
18.96
12.50
12.44
83
8.37
ROTE%
13.03
14.99
12.28
15.05
14.89
11.97
11.20
9.35
7.26
9.46
19.06
9.46
12.13
84
7.43
Return on equity%
9.80
7.06
7.05
8.32
7.59
5.76
7.52
7.07
8.90
11.52
4.62
7.52
7.55
83
23.62
Return on assets%
27.12
27.48
27.57
30.25
31.68
33.43
32.78
31.52
34.31
34.22
10.77
33.43
31.60
66
23.43
EPSGEL
11.75
11.85
12.60
11.03
10.34
8.94
8.07
7.89
7.25
7.74
24.59
(5.63%)
(4.55%)
—
13.26
EPS growth%
9.92
9.57
10.04
9.50
9.73
10.71
12.41
10.82
12.19
9.94
9.49
10.82
9.99
10
6.73
Bookvalue per shGEL
15.24
15.67
18.89
22.48
24.53
24.00
24.08
29.05
28.38
32.57
8.96
5.83%
9.33%
—
11.03
TBV/shGEL
12.21
12.69
12.22
11.59
10.82
9.70
9.36
8.82
9.47
10.54
6.48
(0.51%)
(2.44%)
—
21.60
Dividend per shGEL
14.65
15.68
16.85
19.46
20.49
20.63
20.20
21.63
23.81
25.27
15.20
4.28%
5.14%
—
3.02
Div yield (avg)%
3.62
4.00
5.77
3.92
6.87
6.74
4.43
3.58
2.97
5.60
10.65
4.43
4.22
64
3.12
Payout ratio%
12.31
11.30
11.49
13.02
14.89
12.89
15.37
16.22
18.30
18.44
6.28
16.22
13.95
64
41.46
Shares (diluted)M
58.71
56.42
65.62
76.76
84.12
98.99
105.8
125.9
136.0
130.4
41.57
9.16%
9.47%
16
26.07
Buyback yield%
10.35
12.59
13.81
15.04
15.19
15.64
12.68
14.47
14.99
13.94
16.69
14.47
14.21
31
166.04
Eq/Assets%
170.65
162.23
155.05
137.84
120.74
130.25
114.03
100.64
100.20
111.13
18.49
111.13
125.49
27
1.618
AssetsGEL B
2.049
2.191
2.437
2.655
2.971
3.052
3.412
3.755
4.166
4.565
1.423
8.97%
9.25%
41
1.584
LT debtGEL B
0.931
0.959
1.131
1.307
1.384
1.482
1.766
2.082
2.501
2.710
0.391
14.38%
13.25%
40
Total assets
GEL 4.565B
9.25%
1.05×
Revenue
GEL 1.318B
8.75%
1.00×
Non-interest expense
GEL 604.2M
8.80%
1.00×
Net interest income
67.20%
Non-interest income
32.80%