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Dividends declared (per SOCE filings): FY2022 2,267 · FY2023 2,170 · FY2024 3,120 — 3-yr total 7,557
Georgian microfinance organization providing consumer lending. PIE bank-form filer.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 1.0% | 27.0% | 24.0% | 24.2% | 21.4% | 18.0% | 18.1% | 17.5% |
| Cost of Funds | 18.3% | 16.1% | 15.2% | 17.7% | 16.8% | 15.6% | 16.5% | 16.2% |
| Cost / Income Ratio | 22.3% | 65.1% | 79.6% | 78.8% | 72.9% | 72.3% | 69.1% | 73.8% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | -4.3% | 0.4% | 1.1% | -0.3% | 0.0% |
| Net Fee Income / Operating Income | 97.2% | 61.5% | 65.2% | 55.5% | 62.6% | 70.9% | 67.7% | 65.5% |
| Return on Avg Assets (ROAA) | 1.6% | 10.7% | 10.3% | 7.3% | 9.5% | 9.9% | 10.9% | 7.8% |
| Return on Avg Equity (ROAE) | -9.5% | -196.4% | 56.2% | 28.8% | 35.9% | 36.3% | 36.5% | 26.0% |
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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