0.00%
2.26%
11.62%
14.58%
26.97%
227.48%
222.15%
AI Spotlight on BGEO
Company Description
Bank of Georgia Group PLC, through its subsidiaries, provides various banking products and services in Georgia.It operates through three segments: Retail Banking, Corporate and Investment Banking, and BNB.The Retail Banking segment offers consumer loans, mortgage loans, overdrafts, credit cards, and other credit facilities; funds transfer and settlement services; and customers' deposits for individuals and legal entities under the Express, Bank of Georgia, MSME, and SOLO brands.
It primarily serves retail, and mass retail and affluent segments, as well as small and medium enterprises, and micro businesses.The Corporate Investment Banking segment provides loans and other credit facilities, funds transfers and settlement services, trade finance services, and documentary operations support services; and handles saving and term deposits for corporate and institutional customers.This segment also offers private banking services to high net worth clients; and brokerage services.
The BNB segment provides retail and corporate banking services to clients in Belarus.As of December 31, 2021, the company operated 211 retail branches, 989 automated teller machines, and 3,134 Express Pay terminals.Bank of Georgia Group PLC was incorporated in 2017 and is headquartered in London, the United Kingdom.
Market Data
| Last Price | 4755 |
| Change Percentage | 0.00% |
| Open | 4715 |
| Previous Close | 4755 |
| Market Cap ( Millions) | 2109 |
| Volume | 366715 |
| Year High | 5510 |
| Year Low | 3540.24 |
| M A 50 | 4666.4 |
| M A 200 | 4338.35 |
Financial Ratios
| FCF Yield | 49.60% |
| Dividend Yield | 4.88% |
| ROE | 38.89% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 0.33 |
| Price Earnings Ratio | 0.92 |
| Price To FCF | 2.02 |
| Price To sales | 0.68 |
| EV / EBITDA | 0 |
News
- Nov -13 - Bank of Georgia Group PLC (BDGSF) Q3 2024 Earnings Call Highlights: Record Profits and Digital ...
- Oct -09 - Bank of Georgia Group PLC (BDGSF) (H1 2024) Earnings Call Highlights: Robust Growth and ...
- Oct -07 - Top UK Dividend Stocks To Watch In October 2024
- Jun -25 - Examining Bank of Georgia Group And Two Other Leading Dividend Stocks
- Jun -07 - Exploring James Halstead And Two More Top Dividend Stocks In The UK
- May -21 - LSE-Listed Georgia Firms Rattled by Controversial Bill’s Passage
- Apr -28 - Bank of Georgia Group Full Year 2023 Earnings: Revenues Beat Expectations, EPS Lags
- Apr -17 - Microsoft's (NASDAQ:MSFT) investors will be pleased with their solid 247% return over the last five years
- Feb -19 - City buying spree continues as London-listed Bank of Georgia swoops for Ameriabank
- Feb -19 - City buying spree continues as London-listed Bank of Georgia swoops for Ameriabank
- Oct -24 - Despite shrinking by CHF142m in the past week, ARYZTA (VTX:ARYN) shareholders are still up 193% over 3 years
- Oct -05 - Unraveling the Dividend Dynamics of Bank of Georgia Group PLC
- May -08 - Investing in ARYZTA (VTX:ARYN) three years ago would have delivered you a 295% gain
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail Banking
Expected Growth : 12 %
What the company do ?
Retail Banking from Bank of Georgia Group PLC offers personal banking services, including current and savings accounts, credit cards, loans, and mortgages to individual customers.
Why we expect these perspectives ?
The 12% growth in Retail Banking from Bank of Georgia Group PLC is driven by increasing demand for consumer loans, expansion of digital channels, and strategic partnerships. Additionally, the bank's focus on customer experience, innovative product offerings, and effective cost management have contributed to the growth. Furthermore, the bank's strong brand recognition and extensive branch network have enabled it to capitalize on the growing Georgian economy.
Segment n°2 -> Corporate Investment Banking
Expected Growth : 18 %
What the company do ?
Corporate Investment Banking from Bank of Georgia Group PLC provides advisory services on mergers and acquisitions, equity and debt capital markets, and restructuring to corporate clients.
Why we expect these perspectives ?
Strong economic growth in Georgia, increasing demand for corporate lending and investment products, strategic expansion into new markets, and effective cost management have driven 18% growth in Corporate Investment Banking at Bank of Georgia Group PLC.
Segment n°3 -> Small and Medium-sized Enterprises
Expected Growth : 10 %
What the company do ?
Small and Medium-sized Enterprises (SMEs) from Bank of Georgia Group PLC refer to businesses with fewer than 250 employees and annual turnover below GEL 50 million, requiring tailored financial solutions.
Why we expect these perspectives ?
The 10% growth of Small and Medium-sized Enterprises (SMEs) from Bank of Georgia Group PLC is driven by increased lending, improved financial inclusion, and government support for entrepreneurship. Additionally, the bank's digitalization efforts, simplified loan procedures, and competitive interest rates have also contributed to the growth.
Segment n°4 -> Belarusky Narodny Bank
Expected Growth : 11 %
What the company do ?
Belarusky Narodny Bank is a Belarus-based bank acquired by Bank of Georgia Group PLC, offering retail and corporate banking services.
Why we expect these perspectives ?
Belarusky Narodny Bank's 11% growth is driven by strategic expansion into retail banking, increased lending to SMEs, and a growing presence in the Belarusian market. Additionally, the bank's digital transformation efforts, including the introduction of online banking and mobile payment systems, have improved operational efficiency and enhanced customer experience.
Segment n°5 -> Eliminations
Expected Growth : 5 %
What the company do ?
Eliminations from Bank of Georgia Group PLC refer to the removal of inter-company transactions and balances between subsidiaries to present a consolidated financial statement.
Why we expect these perspectives ?
Bank of Georgia Group PLC's 5% growth driven by increasing demand for digital banking services, expansion into microfinance and SME lending, strategic partnerships, and cost optimization initiatives. Additionally, the group's diversified revenue streams, strong risk management practices, and favorable macroeconomic conditions in Georgia contribute to its growth momentum.
Bank Of Georgia Group Plc Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Provides a range of personal banking services including current and savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Offers a range of services to corporate clients, including cash management, trade finance, and lending solutions. |
| Micro, Small and Medium-Sized Enterprises (MSME) Banking | Provides specialized banking services to micro, small, and medium-sized enterprises, including lending, cash management, and trade finance solutions. |
| Wealth Management | Offers investment and wealth management services to high net worth individuals, including portfolio management, investment advice, and wealth planning. |
| Card Services | Provides a range of card services, including debit and credit cards, prepaid cards, and loyalty programs. |
| Digital Banking | Offers online and mobile banking services, including account management, bill payments, and fund transfers. |
| Insurance Services | Provides a range of insurance products, including life insurance, non-life insurance, and health insurance. |
Bank of Georgia Group PLC's Porter Forces
Threat Of Substitutes
The threat of substitutes for Bank of Georgia Group PLC is moderate due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of concentration of buyers in the Georgian banking industry.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate due to the presence of a few large suppliers of technology and services to the banking industry.
Threat Of New Entrants
The threat of new entrants is low due to the high capital requirements and regulatory barriers to entry in the Georgian banking industry.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of several large banks in the Georgian market, leading to intense competition for customers.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 41.09% |
| Debt Cost | 9.36% |
| Equity Weight | 58.91% |
| Equity Cost | 9.36% |
| WACC | 9.36% |
| Leverage | 69.76% |
Bank of Georgia Group PLC : Quality Control
Bank of Georgia Group PLC passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BDB.MI | Banco di Desio e della Brianza S.p.A. provides banking products and services to individuals and enterprises in Italy. The company offers deposits and loans. It also provides financial, banking, payment, … |
| IF.MI | Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and … |
| SVEG.OL | Sparebanken Vest, a financial services company, provides banking and financing services in the counties of Vestland and Rogaland, Norway. It operates through Corporate Market, Retail Market, Bulder Bank, Treasury, and … |
| BOCH.L | Bank of Cyprus Holdings Public Limited Company, through its subsidiaries, provides banking, financial, and insurance services. It offers current, savings, notice, instant access, and fixed deposits; housing, student, consumer, business … |
| VJBA.CO | Vestjysk Bank A/S provides banking products and services for private and business customers in Jutland, Denmark. The company accepts deposits. It also offers lending and financing for real estate, agriculture, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca IFIS
A-Score
1-Year Total Return ->
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Bank of Georgia
A-Score
1-Year Total Return ->
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Banco di Desio Brianza
A-Score
1-Year Total Return ->
4
Vestjysk Bank
A-Score
1-Year Total Return ->
5
Sparebanken Vest
A-Score
1-Year Total Return ->
6
