ID 203828304 · FY 2017–2024 · 8 years
JSC Liberty Bank is Georgia's third-largest bank, focused on mass-retail banking and the country's largest physical branch network (especially across regional and rural areas). Holds the exclusive contract to distribute state pensions and social benefits to ~1m Georgian beneficiaries.
curated 2026-06-03libertybank.geen.wikipedia.org
| Line item | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 73,433 | 182,544 | 165,647 | 155,827 | 219,420 | 250,010 | 287,623 | 333,572 | +24.1% |
| Net fee and commission income | 26,885 | 22,998 | 22,200 | 19,493 | 20,221 | 28,920 | 28,183 | 24,952 | -1.1% |
| Net foreign currency gain / (loss) | 0 | 4,627 | 10,221 | 7,947 | -1,407 | 6,298 | 13,698 | 22,459 | +30.1% |
| Net other income | 1,072 | 0 | 0 | -1,079 | 0 | 0 | 0 | 0 | nmf |
| Operating income | 101,390 | 210,169 | 198,068 | 182,188 | 238,234 | 285,228 | 329,504 | 380,983 | +20.8% |
| Operating expenses | -42,654 | -109,544 | -133,076 | -144,837 | -158,561 | -173,572 | -195,483 | -230,512 | +27.3% |
| Profit / (loss) from associates | 304 | 695 | 35 | 452 | 0 | 0 | 0 | 0 | +14.1% |
| Operating income before cost of risk | 59,040 | 101,320 | 65,027 | 37,803 | 79,673 | 111,656 | 134,021 | 150,471 | +14.3% |
| Cost of risk | 0 | 0 | 0 | -50,138 | -34,216 | -25,940 | -37,985 | -31,459 | -11.0% |
| Profit before income tax | 58,800 | 65,425 | 38,770 | -12,335 | 45,457 | 85,716 | 96,036 | 119,012 | +10.6% |
| Income tax expense | -5,786 | -8,225 | -1,857 | 7,424 | -3,106 | -22,431 | -14,989 | -15,655 | +15.3% |
| Profit | 53,014 | 57,200 | 36,913 | -4,911 | 42,351 | 63,285 | 81,047 | 103,357 | +10.0% |
| Net profit margin | 52.3% | 27.2% | 18.6% | -2.7% | 17.8% | 22.2% | 24.6% | 27.1% |
Ownership & directors from companyinfo.ge (public corporate registry).