Current Condition of Commercial Banks’ Loan Portfolio

Current Condition of Commercial Banks’ Loan Portfolio

27 July, 2015

The volume of lending by commercial banks (including loans to non-residents) in June 2015 decreased by 115.2 million GEL or by 0.8 percent compared to the previous month (exchange rate effect excluded volume of lending increased by 1.0 percent) and constituted 14.7 billion GEL by July 1, 2015. The volume of loans in the national currency increased by 94.7 million GEL (1.8 percent) and the volume of loans in foreign currencies decreased by 210.1 million GEL or by 2.2 percent in the same period (as a result of operations, or exchange rate effect excluded, above mentioned indicator increased by 0.5 percent).

By the end of June 2015, commercial banks issued 1.7 billion GEL worth of national currency-denominated loans (4.2 percent more compared to the previous month), and 5.6 billion GEL worth of  foreign currency denominated loans (2.4 percent less)  to resident legal entities.

During June the volume of lending to resident individuals decreased by 0.4 percent or 25.7 million GEL, and constituted 6.8 billion GEL (however, exchange rate effect excluded this indicator increased by 0.9 percent).

Larization ratio for total loans constituted 36.31 percent by July 1 2015, while the same indicator for loans issued to the households was 53.60. Compared to June 1, 2015 exchange rate effect excluded larization ratio increased by 0.29 percentage point for total loans and by 0.31 percentage point - for households.


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