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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.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 0.8% | 6.0% | 5.5% | 4.5% | 5.0% | 5.3% | 5.1% | 5.0% |
| Cost of Funds | 4.3% | 4.7% | 4.5% | 4.8% | 5.0% | 6.0% | 7.0% | 7.3% |
| Cost / Income Ratio | 115.9% | 43.2% | 49.8% | 73.1% | 40.8% | 45.0% | 44.4% | 48.7% |
| Cost of Risk | 0.3% | -0.0% | 0.1% | 2.4% | -0.3% | -0.5% | 0.3% | 0.4% |
| Net Fee Income / Operating Income | 32.7% | 8.1% | 7.3% | 7.6% | 5.4% | 5.5% | 5.5% | 5.2% |
| Return on Avg Assets (ROAA) | 1.4% | 2.2% | 2.0% | 0.3% | 2.2% | 2.0% | 1.9% | 1.7% |
| Return on Avg Equity (ROAE) | 9.1% | 14.5% | 13.0% | 2.4% | 16.2% | 14.4% | 12.6% | 11.5% |
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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