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Dividends declared (per SOCE filings): FY2022 0 · FY2023 0 · FY2024 0
JSC Cartu Bank is a Georgian commercial bank founded in 1996 by Bidzina Ivanishvili and historically tied to the Cartu Group family of companies. It focuses on corporate and SME lending, trade finance and high-net-worth private banking, with a small branch network compared to BoG/TBC but a sizeable corporate loan book.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 4.7% | 6.6% | 6.6% | 5.4% | 5.1% | 5.6% | 7.7% | 7.2% |
| Cost of Funds | 3.3% | 3.4% | 3.4% | 3.2% | 3.3% | 2.6% | 1.9% | 2.2% |
| Cost / Income Ratio | 32.0% | 37.5% | 41.2% | 60.5% | 41.1% | 36.2% | 39.6% | 40.5% |
| Cost of Risk | 0.0% | -0.0% | 0.1% | 4.5% | 0.1% | -2.1% | -0.3% | 1.3% |
| Net Fee Income / Operating Income | 3.2% | 0.7% | 0.4% | 3.1% | 2.9% | 3.1% | 2.8% | 4.5% |
| Return on Avg Assets (ROAA) | 3.8% | 2.1% | 1.7% | 0.7% | 1.8% | 1.9% | 1.9% | 1.8% |
| Return on Avg Equity (ROAE) | 14.5% | 7.6% | 6.7% | 3.0% | 7.7% | 7.6% | 8.9% | 8.4% |
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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