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Dividends declared (per SOCE filings): FY2022 0 · FY2023 0 · FY2024 0
Tbilisi-headquartered commercial bank established in 2001, focused on corporate banking and SME finance. Ranked 14th in Georgia by assets in 2024 with around 0.23% market share.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 11.0% | 14.2% | 13.8% | 9.6% | 6.0% | 6.3% | 5.3% | 4.9% |
| Cost of Funds | 2.6% | 3.1% | 1.9% | 6.9% | 7.1% | 8.1% | 8.5% | 9.4% |
| Cost / Income Ratio | 82.2% | 127.6% | 73.2% | 68.6% | 70.0% | 99.9% | 171.9% | 222.0% |
| Cost of Risk | 0.0% | 0.0% | 0.5% | 6.1% | -3.4% | -2.6% | 1.5% | 1.3% |
| Net Fee Income / Operating Income | 14.1% | 10.2% | 4.4% | 3.6% | 4.4% | 1.2% | 0.3% | 0.5% |
| Return on Avg Assets (ROAA) | -7.2% | -7.0% | -0.6% | -1.3% | -1.0% | -4.2% | -5.7% | -5.9% |
| Return on Avg Equity (ROAE) | -12.8% | -9.9% | -0.7% | -1.7% | -1.5% | -6.6% | -12.6% | -18.9% |
Shareholders, directors and group links from the companyinfo.ge public register — as filed, so stakes need not sum to 100% where a holding is undisclosed.
Ownership & directors from companyinfo.ge (public corporate registry).
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