Georgia's Banking Sector Reports 23% Profit Growth in Q3 2025

Georgia's commercial banking sector reported aggregate net profits of $287 million in Q3 2025, representing 23% year-over-year growth and demonstrating continued financial system resilience.

The National Bank of Georgia's quarterly report indicates that total banking assets reached $27.4 billion, with lending activity increasing across consumer, mortgage, and corporate segments. Non-performing loan ratios declined to 2.1%, the lowest level in five years.

Digital banking transformation accelerated significantly, with 68% of transactions conducted via mobile applications. Three major banks launched AI-powered financial advisory services, attracting tech-savvy customers and reducing operational costs by 18%.

Corporate lending grew 32%, supporting infrastructure projects, manufacturing expansion, and export-oriented businesses. Small and medium enterprise (SME) loan portfolios expanded $1.4 billion, enabling business growth across retail, hospitality, and technology sectors.

Foreign direct investment in Georgian financial institutions totaled $340 million, with strategic investors from Qatar, UAE, and Singapore acquiring minority stakes in local banks. International confidence reflected Georgia's stable macroeconomic environment.

Capital adequacy ratios exceeded regulatory requirements significantly, averaging 19.4% across the sector. Banks maintained strong liquidity positions, supporting sustainable credit expansion while managing risk exposures prudently.