Bank:
JSC Isbank Georgia
Date:
31-Mar-17
in GEL
Balance Sheet
Reporting Period
ASSETS
N
1
2
3
4
5
6.1
6.2
6
7
8
9
10
11
12
Cash
Due from NBG
Due from Banks
Dealing Securities
Investment Securities
Loans
Less: Loan Loss Reserves
Net Loans
Accrued Interest and Dividends Receivable
Other Real Estate Owned & Repossessed Assets
Equity Investments
Fixed Assets and Intangible Assets
Other Assets
TOTAL ASSETS
GEL
FX
Respective period of the previous year
Total
GEL
FX
Total
1,301,584
508,696
1,200,124
1,002,101
35,977,979
(2,826,243)
33,151,736
333,886
2,366,015
2,776,440
42,640,582
3,589,196
42,152,829
68,820,506
154,559,483
(3,505,245)
151,054,238
2,899,443
X
X
1,322,617
269,838,829
4,890,780
42,661,525
70,020,630
1,002,101
190,537,462
(6,331,488)
184,205,974
3,233,329
2,366,015
4,099,057
312,479,411
889,422
491,361
19,009,300
0
0
12,461,658
(268,784)
12,192,875
90,351
0
0
2,891,776
1,487,938
37,053,024
1,739,118
29,000,122
15,648,799
0
0
138,352,395
(2,811,886)
135,540,510
612,108
X
0
X
87,618
182,628,275
2,628,540
29,491,484
34,658,100
0
0
150,814,054
(3,080,669)
147,733,385
702,459
0
0
2,891,776
1,575,556
219,681,299
4,124,975
1,822,000
147,788,076
18,441,434
64,306,120
0
2,311,167
0
115,029
122,420,747
15,650,249
0
45,603,668
4,184
2,321,827
8,272,986
3,560,783
235,898
39,123,200
273,455,510
147,788,076
22,566,409
66,128,120
3,564,967
2,557,724
39,123,200
281,728,496
0
1,026
958,751
0
3,385,974
0
692,227
34,769
0
184,401,661
122,420,747
17,961,417
0
45,718,697
0
0
693,253
993,521
0
187,787,635
30,000,000
750,914
30,750,914
39,023,900
X
X
X
X
X
X
X
X
273,455,510
30,000,000
750,914
30,750,914
312,479,411
30,000,000
0
0
0
0
1,893,664
0
31,893,664
35,279,639
X
X
X
X
X
X
X
X
184,401,661
30,000,000
0
0
0
0
1,893,664
0
31,893,664
219,681,300
LIABILITIES
13
14
15
16
17
18
19
20
21
22
Due to Banks
Current (Accounts) Deposits
Demand Deposits
Time Deposits
Own Debt Securities
Borrowings
Accrued Interest and Dividends Payable
Other Liabilities
Subordinated Debentures
Total Liabilities
EQUITY CAPITAL
23
24
25
26
27
28
29
30
31
*
Common Stock
Preferred Stock
Less: Repurchased Shares
Share Premium
General Reserves
Retained Earnings
Asset Revaluation Reserves
Total Equty Capital
TOTAL LIABILITIES AND EQUITY CAPITAL
Non-audited data presented in accordance of the regulations of NBG
in GEL
Income Statement
Reporting Period
N
1
2
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
3
4
5
6
7
8
9
10
11
12
13
14
GEL
Interest Income
Interest Income from Bank's "Nostro" and Deposit Accounts
Interest Income from Loans
from the Interbank Loans
from the Retail or Service Sector Loans
from the Energy Sector Loans
from the Agriculture and Forestry Sector Loans
from the Construction Sector Loans
from the Mining and Mineral Processing Sector Loans
from the Transportation or Communications Sector Loans
from Individuals Loans
from Other Sectors Loans
Fees/penalties income from loans to customers
Interest and Discount Income from Securities
Other Interest Income
Total Interest Income
Interest Expense
Interest Paid on Demand Deposits
Interest Paid on Time Deposits
Interest Paid on Banks Deposits
Interest Paid on Own Debt Securities
Interest Paid on Other Borrowings
Other Interest Expenses
Total Interest Expense
Net Interest Income
187,393
378,399
0
306,878
71,520
0
0
16,644
0
582,436
3,145
3,506
0
341
0
0
6,991
575,444
FX
Total
0
4,146,594
0
3,488,228
3,145
482,708
1,628,976
341
706,499
0
2,821,669
1,907,360
8,132
666,321
379,450
0
904,627
0
1,958,531
1,910,450
0
0
0
16,845
205,864
189,019
0
0
0
178,380
(43,844)
0
81,400
600
233,381
0
0
0
0
0
(19,855)
212,262
232,116
0
0
0
154,581
(58,990)
0
88,490
0
164,227
0
73,730
1,105,657
3,289
171,205
482,774
1,836,655
(1,672,428)
0
93,734
1,040,727
2,892
163,048
310,641
1,611,042
(1,377,661)
4,146,594
0
479,202
1,628,976
706,499
2,814,677
1,331,916
Non-Interest Expenses from other Banking Operations
Bank Development, Consultation and Marketing Expenses
Personnel Expenses
Operating Costs of Fixed Assets
Depreciation Expense
Other Non-Interest Expenses
Total Non-Interest Expenses
Net Non-Interest Income
0
73,730
1,105,657
3,289
171,205
482,774
1,836,655
(1,672,428)
0
0
33
Net Income before Provisions
(1,096,984)
1,331,916
34
35
36
37
Loan Loss Reserve
Provision for Possible Losses on Investments and Securities
Provision for Possible Losses on Other Assets
Total Provisions for Possible Losses
Net Income before Taxes and Extraordinary Items
Taxation
Net Income after Taxation
Extraordinary Items
Net Income
0
0
0
X
X
X
0
(1,527,545)
102,722
(1,630,267)
1,331,916
(1,630,267)
1,331,916
1,331,916
234,932
458,846
3,410,134
0
2,535,580
Total
0
0
0
0
25
26
27
28
29
30
31
32
38
39
40
41
42
FX
796,196
0
0
0
0
3,868,980
658,365
0
0
0
15
15.1
15.2
16
17
18
19
20
21
22
23
24
416,446
0
14,115
430,560
GEL
187,393
4,524,992
0
3,795,107
0
0
0
0
0
729,885
0
0
16,644
0
4,729,029
Non-Interest Income
Net Fee and Commission Income
Fee and Commission Income
Fee and Commission Expense
Dividend Income
Gain (Loss) from Dealing Securities
Gain (Loss) from Investment Securities
Gain (Loss) from Foreign Exchange Trading
Gain (Loss) from Foreign Exchange Translation
Gain (Loss) on Sales of Fixed Assets
Non-Interest Income from other Banking Operations
Other Non-Interest Income
Total Non-Interest Income
Non-Interest Expenses
(19,855)
212,262
232,116
0
0
0
154,581
(58,990)
0
88,490
0
164,227
Respective period of the previous year
0
0
0
0
78,358
532,789
0
0
0
0
0
0
0
0
0
0
0
0
458,846
3,410,134
0
2,535,580
0
78,358
0
0
0
796,196
0
0
0
0
3,868,980
8,132
666,321
379,450
0
904,627
0
1,958,531
1,910,450
16,845
205,864
189,019
0
0
0
178,380
(43,844)
0
81,400
600
233,381
0
93,734
1,040,727
2,892
163,048
310,641
1,611,042
(1,377,661)
532,789
416,446
0
14,115
430,560
(1,075,868)
0
76,796
(999,072)
X
X
X
0
(1,075,868)
0
76,796
(999,072)
(195,629)
102,722
(298,351)
0
(298,351)
1,531,861
23,270
1,508,591
0
1,508,591
0
1,531,861
23,270
1,508,591
0
1,508,591
0
in lari
Off Balance Sheet Items *
N
1
1.1
1.2
1.3
1.3.1
1.3.2
1.4
1.5
1.5.1
1.5.2
1.5.3
1.5.3.1
1.5.3.2
1.5.3.3
1.5.3.4
1.5.3.5
1.5.4
1.5.5
1.5.6
1.5.7
1.6
2
2.1
2.2
2.3
2.4
2.5
2.6
2.7
3
3.1
3.2
3.3
4
4.1
4.2
4.3
5
5.1
5.2
5.3
5.4
6
6.1
6.2
6.3
6.4
7
7.1
7.2
7.3
8
8.1
8.2
8.3
8.4
8.5
9
9.1
9.2
9.3
9.4
10
*
**
Contingent Liabilities
Acceptances and Endorsements
Guarantees Given
Guarantees Received **
Surety, joint liability
Guarantee
Pledged Assets Given
Pledged Assets Received **
Cash
Precious metals and stones
Real Estate:
Residential Property
Commercial Property
Complex Real Estate
Land Parcel
Other
Movable Property
Shares Pledged
Securities
Other
Other Contingent Liabilities
Legally Binding Obligations
Funding Commitments of the Bank
Funding Commitments of other Parties
Commitments to Purchase Investment Securities
Commitments to Sell Investment Securities
Foreign Exchange Operations
Forward Foreign Exchange Contracts
Other Commitments
Other Liabilities
Obligation Of the Issuer (endorser) to the Bank
Clients' Liabilities
Third Parties' Clients' Liability to the Bank
Items to be Held in Safekeeping
Precious Metals
Securities
Other Items
Interest Rate Contracts
Notional Value of Interest Rate Swaps
Forward Contracts on Financial Instruments
Futures Contracts on Financial Instruments
Options
Contracts on Commodities and Shareholders Capital
Notional Value of Swaps
Forward Contracts
Futures Contracts
Options
Unsettled Documents
Accounting Documents not Paid in due Time by Reason of Client
Accounting Documents not Paid in due Time by Reason of Bank
Unissued Capital
Written Off Loans
Unpaid Interest on Loans up to 31.12.2000
Unpaid Interest on Loans from to 01.01.2001
Problem Loans Written off up to 31.12.2000
Problem Loans Written off up to 01.01.2001
Other Written Off Assets
Other Valuables and Documents
Undistributed value parcels
Small value inventory
Strict reporting forms
Payment of Special Lottery
Total
Reporting Period
GEL
FX
22,787,970
756,244,612
951,200
585,360
585,360
9,478,407
122,844,330
119,471,310
3,373,020
21,251,410
32,000
623,921,875
112,873,713
0
11,095,010
401,151,615
17,378,380
353,416,332
1,624,836
28,645,394
86,674
600,136
95,991,593
0
13,304,817
203,178
203,178
26,606
26,606
0
0
0
0
0
0
0
0
0
0
15,292
2,026,253
15,292
2,026,253
0
0
23,006,440
758,297,471
10,124,400
Non-audited data presented in accordance of the regulations of NBG
Calculation and submission procedure of "Guarantees Received" (1.3) and "Pledged Assets Received" (1.5) has changed
Economic Ratios
Reporting
Period
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
CAPITAL
Tier 1 Capital Ratio ≥ 7.2%
Regulatory Capital Ratio ≥ 10.8%
Risk Weighted Assets/Total Assets
Cash Dividend/Net Income
Income
Total Interest Income /Average Annual Assets
Total Interest Expense / Average Annual Assets
Earnings from Operations / Average Annual Assets
Net Interest Margin
Return on Average Assets (ROA)
Return on Average Equity (ROE)
ASSET QUALITY
Non Performed Loans / Total Loans
LLR/Total Loans
FX Loans/Total Loans
FX Assets/Total Assets
Loan Growth-YTD
LIQUIDITY
Liquid Assets/Total Assets
FX Liabilities/Total Liabilities
Current & Demand Deposits/Total Assets
19.03%
29.65%
51.52%
34.69%
37.72%
39.19%
6.06%
3.62%
0.38%
2.44%
-0.38%
-3.89%
6.81%
3.45%
1.02%
3.36%
2.66%
19.22%
1.67%
3.32%
81.12%
86.35%
7.13%
0.08%
2.04%
91.74%
83.13%
3.27%
30.12%
97.06%
7.22%
24.11%
98.20%
8.18%
Information about Suprevisory Board, Directorate and Shareholders
1
2
3
4
5
6
7
Members of Supervisory Board
Murat Bilgiç
Nevzat Burak Seyrek
Can Yücel
Kemal Şahin
Ahmet Naci Narşap
Cem Kayan
Yavuz Ergin
Members of Board of Directors
1 Ozan Gür
2 Mehmet Ihsan Akhun
3 Ahmet Naci Narşap
List of Shareholders owning 1% and more of issued capital, indicating Shares
1 Turkey Is Bank
100.00%
List of bank beneficiaries indicating names of direct or indirect holders of 5% or more
of shares
1 Turkıye Is Bankası A,S, Employees" Pensıon Fund
2 Turkey Republıcan People"s Party
Respective
period of the
previous year
40.15%
28.09%
Total
779,032,582
0
10,429,607
123,429,690
119,471,310
3,958,380
0
645,173,285
112,905,713
0
401,151,615
17,378,380
353,416,332
1,624,836
28,645,394
86,674
600,136
106,115,993
0
24,399,827
0
229,784
229,784
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,041,544
0
2,041,544
0
0
0
0
0
0
0
0
781,303,910
Respective period of the previous year
GEL
FX
Total
2,872,602
111,375
2,983,977
2,872,602
111,375
2,983,977
0
254,896,791
254,896,791
37,741
37,741
0
0
37,741
37,741
2,910,343
255,008,166
257,918,509