The National Bank of Georgia evaluates the risks of commercial banks, as well as their ability to manage these risks, as part of the General Risk Assessment Program (GRAPE).

 

The GRAPE assessment includes the evaluation of the level of risk of commercial banks employing the following categories: credit risk, liquidity risk, market risk, operational risk, business model and profitability, macroeconomic environment, group structure and corporate governance.

 

The assessment concludes the capital requirements of individual banks under Pillar 2 (Net GRAPE Buffer), the level of supervisory attention to commercial banks and risks, and the recommendations for commercial banks regarding the responses to risks identified.