Bank of Georgia Group Balance Sheet Health
Financial Health criteria checks 4/6
Bank of Georgia Group has total assets of GEL46.5B and total equity of GEL6.2B. Total deposits are GEL31.9B, and total loans are GEL30.1B earning a Net Interest Margin of 6.5%. It has insufficient allowance for bad loans, which are currently at 2% of total loans. Cash and short-term investments are GEL3.8B.
Key information
7.5x
Asset to equity ratio
6.5%
Net interest margin
| Total deposits | GEL 31.87b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.0% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | GEL 3.78b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BGEO's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: BGEO has a low allowance for bad loans (67%).
Low Risk Liabilities: 79% of BGEO's liabilities are made up of primarily low risk sources of funding.
Loan Level: BGEO has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: BGEO's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: BGEO has a high level of bad loans (2%).