sosiete Jeneralis

wliuri angariSi 2011
/aTasi lari/
Sedegebi
saoperacio mogeba
wminda mogeba
aqtivoba
wminda sesxebi
mTliani aqtivebi
klientTa angariSebi
mTliani valdebulebebi
kapitali
Cveulebrivi aqciebi
sul saaqcio kapitali
koeficientebi
ROA
ROE
ROAA
ROAE
zrda
/aTasi lari/
Sedegebi
saoperacio mogeba
wminda mogeba
aqtivoba
wminda sesxebi
mTliani aqtivebi
klientTa angariSebi
mTliani valdebulebebi
kapitali
Cveulebrivi aqciebi
sul saaqcio kapitali
ZiriTadi maCveneblebi
KEY FIGURES
2004 2005 2006 2007 2008 2009 2010 2011
12,100
4,816
80,302
125,829
99,815
101,027
7,000
24,802
3.8%
19.4%
4.7%
22.1%
11.3%
4.8%
50.9%
61.9%
99.8%
71.5%
20.2%
31.9%
23,265
9,181
128,954
211,284
156,263
178,481
7,000
32,803
4.3%
28.0%
5.4%
31.9%
92.3%
90.6%
60.6%
67.9%
56.6%
76.7%
0%
32.3%
30,265
8,148
187,575
348,520
253,964
285,469
22,000
63,051
2.3%
12.9%
2.9%
17.0%
30.1%
-11.3%
45.5%
65.0%
62.5%
59.9%
214.3%
92.2%
37,411
4,653
310,956
505,135
314,079
416,371
38,500
88,764
0.9%
5.2%
1.1%
6.1%
23.6%
-42.9%
65.8%
44.9%
23.7%
45.9%
75.0%
40.8%
50,903
655
568,242
869,405
336,026
753,742
42,600
115,663
0.1%
0.6%
0.1%
0.6%
36.1%
-85.9%
82.7%
72.1%
7.0%
81.0%
10.6%
30.3%
62,600
5,641
483,347
829,269
453,763
708,550
42,600
120,719
0.7%
4.7%
0.7%
4.8%
23.0%
761.2%
-14.9%
-4.6%
35.0%
-6.0%
0.0%
4.4%
22,650
(30,994)
378,654
810,479
486,594
703,619
48,325
106,860
- 3.8%
-29.0%
- 3.8%
- 27.2%
-63.8%
-649.4%
-21.7%
-2.3%
7.2%
-0.7%
13.4%
-11.5%
29,801
(31,414)
408,198
702,450
337,626
607,323
56,983
95,127
- 4.5%
- 33.0%
- 4.2%
- 31.1%
2003 2004 2005 2006 2007 2008 2009 2010 2011
11.2%
31.7%
34.5%
20.2%
13,8%
16,8%
0%
32.4%
31.6%
1.4%
7.8%
-13.3%
-30.6%
-13.7%
17.9%
-11.0%
/ thousand GEL /
OUTCOMES
Operational income
Net income
ACTIVITIES
Net loans
Total assets
Customer accounts
Total liabilities
CAPITAL
Ordinary shares
Total share capital
RATIOS
ROA
ROE
ROAA
ROAE
n During the operational year, the total volume of assets decreased by 13,3%, amounting GEL 702,4 million..
n Net loans to customers increased by 7,8% in 2011, amounting GEL 408 million.
125,829 211,284
505,135
348,520
869,405 829,269 810,479
702,450
2004 2005 2006 2007 2008 2009 2010 2011
80,302 128,954
187,575
GROWTH
/thousand GEL /
OUTCOMES
Operational income
Net income
ACTIVITIES
Net loans
Total assets
Customer accounts
Total liabilities
CAPITAL
Ordinary shares
Total share capital
n saoperacio wlis ganmavlobaSi, aqtivTa mTliani moculoba bankSi 13,3%-iT Semcirda da 702,4 mln lari Seadgina.
n momxmareblebze gacemuli wminda sesxebi 2011 wels 7,8%-iT gaizarda da 408 mln lari Seadgina.
mTliani aqtivebi
TOTAL ASSETS
wminda sesxebi
NET LOANS
568,242
483,347
378,654
310,956
408,198
2004 2005 2006 2007 2008 2009 2010 2011
sakredito portfelis 52% modis fizikur pirebze gacemul sesxebze,
xolo 48% _ iuridiul pirebze gacemul sesxebze
Loans to individuals make up 52% of the credit portfolio, with 48% - to legal entities.
fizikuri piri
Individuals
iuridiuli piri
Legal Entities
sul
Total
mogeba
2011 % EARNINGS 2010 (%)
241,453
224,233
465,686
52%
48%
100%
10%
-10%
fizikuri pirebis sesxebis wili mTlian portfelSi
gaizarda 10%-iT da Seadgina 241,4 milioni lari.
The share of individuals in the total portfolio
increased by 10%, amounting GEL 241,4 million.
vaWrobisa da momsaxurebis seqtori
fizikur pirebze gacemuli sesxebi
mSeneblobis seqtori
warmoebis seqtori
samTomompovebeli da gadamamuSavebeli seqtori
energetikis seqtori
saxelmwifo institutebi
transportisa da kavSirgabmulobis seqtori
soflis meurneobisa da metyeveobis seqtori
danarCeni seqtorebi
mTliani sesxebi
107,103
178,620
16,425
29,363
8,245
3,494
7,263
4,987
72,859
428,359
25%
42%
4%
7%
2%
1%
0.0%
2%
1%
17%
100%
48%
iuridiuli piri
Legal Entities
95,704
241,453
9,253
24,953
7,661
2,417
22,330
699
3,185
58,031
465,686
21%
52%
2%
5%
2%
1%
5%
0%
1%
12%
100%
52%
fizikuri piri
Individuals
seqtorebis mixedviT
sesxebis portfelis ganviTareba 2010 % 2011 % CREDIT PORTFOLIO DYNAMICS BY SECTORS
Trade and Services Sector
Loans to Individuals
Construction
Production
Mining and Manufacturing
Energy
Government Institutions
Transport and Communications
Agriculture and Forestry
Other
n sakredito portfelis 52% koncentrirebulia fizikur pirebze gacemul sesxebSi;
Total
n sakredito portfelis 21% modis vaWrobisa da momsaxurebis seqtorze;
n sakredito portfelis 12% modis danarCen seqtorebze gacemul sesxebze;
n Loans to individuals make up 52% of the loan portfolio.
n Trade and Services takes 21 % of the loan portfolio.
n Loans to other sectors take 12% of the loan portfolio.
finansuri angariSi FINANCIAL REPORT
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