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Dividends declared (per SOCE filings): FY2022 997 · FY2023 997 · FY2024 959 — 3-yr total 2,953
JSC MFO Crystal is one of Georgia's largest microfinance organisations, founded in 1998 as an EU/USAID-funded MFI in Kutaisi. It serves micro and SME borrowers (predominantly outside Tbilisi) and has issued GEL-denominated bonds on the Georgian Stock Exchange.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 12.9% | 21.9% | 17.5% | 16.0% | 18.2% | 19.2% | 19.5% | 21.0% |
| Cost of Funds | 7.7% | 9.7% | 8.9% | 10.5% | 10.5% | 10.8% | 11.6% | 11.0% |
| Cost / Income Ratio | 40.8% | 66.7% | 80.4% | 100.2% | 87.3% | 87.0% | 78.4% | 69.1% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 1.7% | 0.8% | 2.0% | 2.8% | 2.2% |
| Net Fee Income / Operating Income | 1.0% | 0.7% | 0.0% | -0.0% | 0.9% | 1.0% | 1.4% | 1.5% |
| Return on Avg Assets (ROAA) | 3.6% | 2.1% | -0.1% | -0.2% | 0.8% | 1.7% | 2.3% | 4.3% |
| Return on Avg Equity (ROAE) | 17.6% | 11.2% | -0.6% | -1.4% | 5.4% | 11.7% | 15.5% | 26.6% |
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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