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Dividends declared (per SOCE filings): FY2022 1,750 · FY2023 4,567 · FY2024 6,687 — 3-yr total 13,004
Microfinance organization in Georgia providing consumer and small-business loans, part of the Swiss Holdings group.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 32.1% | 43.0% | 26.2% | 21.4% | 21.2% | 20.9% | 21.8% | 22.8% |
| Cost of Funds | 11.4% | 13.0% | 12.0% | 14.1% | 14.9% | 15.9% | 14.5% | 12.8% |
| Cost / Income Ratio | 30.2% | 44.6% | 52.2% | 54.6% | 55.5% | 53.2% | 49.1% | 48.1% |
| Cost of Risk | 0.0% | 0.0% | -0.7% | 2.0% | 1.0% | 1.8% | 2.4% | 1.6% |
| Net Fee Income / Operating Income | 4.6% | 3.7% | 8.1% | 9.5% | 11.0% | 12.1% | 12.0% | 11.2% |
| Return on Avg Assets (ROAA) | 8.3% | 13.3% | 5.7% | 8.6% | 8.0% | 7.8% | 8.2% | 9.0% |
| Return on Avg Equity (ROAE) | 15.7% | 24.5% | 11.8% | 19.3% | 17.6% | 18.6% | 21.2% | 23.1% |
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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