Current Condition of Commercial Banks’ Loan Portfolio

Current Condition of Commercial Banks’ Loan Portfolio

25 August, 2015

The volume of lending by commercial banks (including loans to non-residents) in July 2015 increased by 291.0 million GEL or by 2.0 percent compared to the previous month (exchange rate effect excluded volume of lending increased by 1.1 percent) and exceeded 15.0 billion GEL by August 1, 2015. The volume of loans in the national currency increased by 103.1 million GEL (1.9 percent) and the volume of loans in foreign currencies increased by 188.0 million GEL or by 2.0 percent in the same period (as a result of operations, or exchange rate effect excluded, above mentioned indicator increased by 0.6 percent).

By the end of July 2015, commercial banks issued 1.8 billion GEL worth of national currency-denominated loans (5.0 percent more compared to the previous month), and 5.7 billion GEL worth of  foreign currency denominated loans (1.8 percent less)  to resident legal entities.

During July the volume of lending to resident individuals increased by 1.3 percent or 91.6 million GEL, and exceeded 6.9 billion GEL (however, exchange rate effect excluded this indicator increased by 0.7 percent).

Larization ratio for total loans constituted 36.29 percent by August 1 2015, while the same indicator for loans issued to the households was 53.43. Compared to July 1, 2015 exchange rate effect excluded larization ratio increased by 0.30 percentage point for total loans and by 0.17 percentage point - for households loans.



Current statistical information is published on the NBG's website: