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Dividends declared (per SOCE filings): FY2022 0 · FY2023 0 · FY2024 0
JSC Terabank is a mid-sized Georgian commercial bank, majority-owned by Bahraini Al Salam Bank since 2016. Focuses on retail and SME banking via ~30 branches across Georgia, with growing premium-banking and Sharia-compliant product lines.
| Line item | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| 5,034 | 42,127 | 43,881 | 41,334 | 53,249 | 62,208 | 69,212 | 76,657 | +47.6% | |
| Net fee and commission income | 3,371 | 4,717 | 4,204 | 2,887 | 3,746 | 4,769 | 5,096 | 5,138 | +6.2% |
| 0 | 7,409 | 5,403 | 7,998 | 590 | 361 | 5,319 | 7,515 | +0.2% | |
| Operating income | 8,405 | 54,253 | 53,488 | 52,219 | 57,585 | 66,616 | 79,627 | 89,310 | +40.2% |
| 11,939 | 25,231 | 28,500 | 27,943 | 28,348 | 39,112 | 41,364 | 48,035 | +22.0% | |
| Operating income before cost of risk | 3,534 | 29,022 | 24,988 | 24,276 | 29,237 | 27,504 | 38,263 | 41,275 | nmf |
| Cost of risk | 1,930 | 94 | 611 | 20,428 | 2,436 | 5,562 | 3,380 | 5,108 | +14.9% |
| Profit before income tax | 11,883 | 23,188 | 21,960 | 3,848 | 31,673 | 33,066 | 34,883 | 36,167 | +17.2% |
| Income tax expense | 39 | 3,018 | 1,930 | 71 | 2,815 | 3,230 | 5,050 | 5,328 | nmf |
| Profit | 11,922 | 20,170 | 20,030 | 3,919 | 28,858 | 29,836 | 29,833 | 30,839 | +14.5% |
| Net profit margin | 141.8% | 37.2% | 37.4% | 7.5% | 50.1% | 44.8% | 37.5% | 34.5% |
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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