ID 204546045 · FY 2017–2024 · 8 years
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.
curated 2026-06-03terabank.geen.wikipedia.org
| Line item | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 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% |
| Net foreign currency gain / (loss) | 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% |
| Operating expenses | -11,939 | -25,231 | -28,500 | -27,916 | -28,348 | -39,112 | -41,364 | -48,035 | +22.0% |
| Operating income before cost of risk | -3,534 | 29,022 | 24,988 | 24,303 | 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 | 3,875 | 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 | 3,946 | 28,858 | 29,836 | 29,833 | 30,839 | +14.5% |
| Net profit margin | 141.8% | 37.2% | 37.4% | 7.6% | 50.1% | 44.8% | 37.5% | 34.5% |
Ownership & directors from companyinfo.ge (public corporate registry).