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Dividends declared (per SOCE filings): FY2022 274,978 · FY2023 607,955 · FY2024 699,468 — 3-yr total 1,582,401
JSC Bank of Georgia is the largest commercial bank in Georgia by assets, with ~35% market share and an LSE-listed parent (Lion Finance Group, ex-BGEO). Provides full retail, SME and corporate banking nationwide, plus payments, leasing and brokerage; consistently delivers ROAE in the high-20s%.
Group parent — controls 2 companies · ownership
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 2.2% | 6.8% | 6.1% | 4.9% | 5.2% | 5.8% | 6.8% | 6.6% |
| Cost of Funds | 4.2% | 4.9% | 4.4% | 4.6% | 4.6% | 4.9% | 4.5% | 5.0% |
| Cost / Income Ratio | 71.6% | 39.5% | 33.4% | 46.4% | 30.5% | 28.2% | 23.7% | 23.0% |
| Cost of Risk | 0.0% | -0.0% | 0.0% | 2.0% | -0.0% | 0.9% | 0.7% | 0.4% |
| Net Fee Income / Operating Income | 25.8% | 11.5% | 12.8% | 14.8% | 12.9% | 12.7% | 13.4% | 11.5% |
| Return on Avg Assets (ROAA) | 2.7% | 2.5% | 3.1% | 1.5% | 3.3% | 3.9% | 4.5% | 5.2% |
| Return on Avg Equity (ROAE) | 22.9% | 21.4% | 26.9% | 13.4% | 26.9% | 29.0% | 32.4% | 36.5% |
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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