ID 205274273 · FY 2017–2024 · 8 years
Microfinance organization in Georgia providing consumer and small-business loans, part of the Swiss Holdings group.
curated 2026-06-03reportal.ge
| Line item | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 21,653 | 30,380 | 23,061 | 22,900 | 26,129 | 32,299 | 40,470 | 48,938 | +12.4% |
| Net fee and commission income | 1,045 | 1,144 | 2,045 | 2,138 | 3,057 | 4,074 | 4,976 | 5,672 | +27.3% |
| Net foreign currency gain / (loss) | 0 | -520 | -488 | -184 | 460 | 1,151 | 837 | -370 | -5.5% |
| Net other income | 0 | -351 | 99 | -102 | -669 | -1,135 | -437 | -14 | -41.5% |
| Operating income | 22,698 | 30,653 | 24,717 | 24,752 | 28,977 | 36,389 | 45,846 | 54,226 | +13.2% |
| Operating expenses | -6,844 | -13,658 | -13,246 | -12,354 | -15,400 | -17,888 | -20,362 | -24,457 | +20.0% |
| Operating income before cost of risk | 15,854 | 16,995 | 11,471 | 12,398 | 13,577 | 18,501 | 25,484 | 29,769 | +9.4% |
| Cost of risk | 0 | 0 | 643 | -2,132 | -1,222 | -2,742 | -4,393 | -3,357 | nmf |
| Profit before income tax | 7,501 | 11,683 | 7,981 | 10,266 | 12,355 | 15,759 | 21,091 | 26,412 | +19.7% |
| Income tax expense | -1,491 | -1,775 | -1,897 | -1,429 | -2,156 | -3,255 | -4,374 | -5,179 | +19.5% |
| Profit | 6,010 | 9,908 | 5,209 | 9,557 | 10,199 | 12,504 | 16,717 | 21,233 | +19.8% |
| Net profit margin | 26.5% | 32.3% | 21.1% | 38.6% | 35.2% | 34.4% | 36.5% | 39.2% |
Ownership & directors from companyinfo.ge (public corporate registry).