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Dividends declared (per SOCE filings): FY2022 2,166 · FY2023 35,062 · FY2024 63,180 — 3-yr total 100,408
Rico Express LLC is one of Georgia's largest microfinance organisations, operating under NBG MFO licence rather than a bank licence. It provides consumer loans, pawn-shop lending (gold-backed) and money-transfer services across a broad branch network.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 14.8% | 19.6% | 18.5% | 16.2% | 16.7% | 16.6% | 16.0% | 15.2% |
| Cost of Funds | 8.4% | 7.6% | 6.2% | 6.7% | 7.5% | 8.4% | 12.6% | 14.6% |
| Cost / Income Ratio | 0.8% | 19.9% | 26.8% | 22.8% | 29.2% | 29.9% | 34.7% | 40.9% |
| Cost of Risk | 0.0% | 0.0% | 1.7% | -0.1% | -0.0% | 0.7% | -0.5% | 0.0% |
| Net Fee Income / Operating Income | 0.0% | 0.0% | 9.6% | 9.3% | 10.5% | 9.5% | 7.1% | 5.1% |
| Return on Avg Assets (ROAA) | 9.6% | 9.5% | 9.2% | 10.7% | 8.7% | 9.9% | 8.4% | 7.4% |
| Return on Avg Equity (ROAE) | 24.0% | 21.1% | 18.2% | 21.7% | 17.5% | 19.0% | 16.2% | 16.1% |
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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