377.1
RevenueGEL M
478.7
520.2
552.7
595.8
627.9
679.4
718.5
771.7
813.8
892.1
405.5
7.28%
7.33%
21
11.53
Revenue growth%
24.59
26.57
24.17
24.24
24.32
22.72
22.16
23.49
23.06
22.10
4.51
22.72
23.83
88
13.39
NIM%
29.02
30.52
30.54
32.15
31.46
29.26
27.78
30.22
32.68
33.26
10.16
30.22
30.53
87
9.71
Effic. R.%
1.19
0.40
0.40
0.40
0.67
0.40
0.40
1.70
1.92
0.40
22.79
0.40
0.40
76
14.44
Net margin%
26.10
23.36
22.96
23.53
25.73
23.50
23.44
22.95
24.98
23.08
22.39
23.44
23.47
16
8.019
P/E ratio (avg)x
32.36
33.98
38.08
36.84
36.33
40.03
37.55
36.25
39.99
43.03
19.70
39.99
37.20
61
33.33
P/TBVx
37.71
36.23
33.81
34.23
31.96
30.78
27.99
26.93
29.68
26.93
21.81
27.99
31.37
6
22.27
P/Bx
23.01
21.98
24.80
23.33
25.38
27.51
25.97
26.57
28.17
29.17
25.19
27.51
25.68
25
371.3
NIIGEL M
328.3
359.4
383.6
408.1
437.3
478.3
501.8
543.1
561.4
618.8
881.9
7.19%
7.22%
—
14.77
NII grth%
16.33
14.24
16.65
17.78
18.84
17.70
15.83
16.47
16.84
16.08
18.99
16.47
16.56
23
22.28
ROTE%
27.70
30.47
33.46
33.47
34.74
34.21
36.19
33.90
35.87
36.15
3.42
35.87
34.05
13
10.54
Return on equity%
1.87
0.40
1.98
0.40
3.12
0.70
2.01
0.63
0.97
0.40
19.85
0.70
0.84
63
20.93
Return on assets%
8.83
9.17
11.96
11.93
14.02
14.13
12.47
9.60
9.51
10.87
2.86
10.87
11.40
59
2.16
EPSGEL
7.12
7.90
8.08
9.46
9.91
11.28
13.28
15.11
15.92
16.09
2.40
10.18%
9.43%
—
10.65
EPS growth%
16.08
14.91
12.00
14.56
11.82
10.09
12.74
9.89
11.43
12.89
15.40
11.43
12.37
84
4.08
Bookvalue per shGEL
3.11
3.06
3.19
3.56
4.13
4.55
5.00
5.82
6.26
6.28
1.13
8.71%
8.71%
—
5.20
TBV/shGEL
2.85
2.53
2.40
2.53
2.62
2.46
2.38
2.24
2.35
2.59
4.04
(0.22%)
(1.61%)
—
0.74
Dividend per shGEL
2.09
2.23
2.08
2.12
2.27
2.17
2.34
2.59
2.75
2.60
1.23
2.77%
1.27%
—
16.50
Div yield (avg)%
14.15
13.66
11.29
13.52
11.31
12.08
11.01
11.50
10.10
11.73
20.26
11.50
11.62
17
12.04
Payout ratio%
20.24
18.74
18.28
20.95
23.57
25.54
28.43
31.37
30.88
28.26
26.82
28.43
24.56
30
55.19
Shares (diluted)M
54.63
59.62
66.78
73.16
79.41
80.95
83.29
89.55
87.58
88.19
54.44
2.12%
4.18%
72
9.62
Buyback yield%
17.26
17.51
19.63
19.19
16.42
15.11
12.21
13.81
15.46
17.13
13.98
15.11
16.78
37
149.84
Eq/Assets%
182.99
193.61
176.06
195.61
191.59
171.58
186.50
185.44
184.46
170.95
129.05
184.46
184.95
30
0.863
AssetsGEL B
0.542
0.611
0.651
0.700
0.751
0.847
0.875
0.951
1.001
1.090
0.402
7.74%
7.80%
67
0.557
LT debtGEL B
1.462
1.648
1.831
2.045
2.181
2.248
2.438
2.696
2.897
2.776
0.574
4.95%
6.98%
36
Total assets
GEL 1.090B
7.80%
1.04×
Revenue
GEL 892.1M
7.33%
1.00×
Non-interest expense
GEL 528.8M
7.60%
1.03×
Net interest income
69.36%
Non-interest income
30.64%