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Dividends declared (per SOCE filings): FY2022 0 · FY2023 0 · FY2024 0
Microfinance organization headquartered in Kutaisi since 2009, offering gold-backed loans, money transfers, currency exchange and consumer credit. Reports as a PIE under bank-form rules.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | -1.3% | 10.5% | 11.2% | 8.8% | 9.1% | 9.3% | 9.8% | 10.3% |
| Cost of Funds | 12.0% | 13.6% | 13.3% | 12.8% | 12.9% | 13.5% | 13.2% | 12.4% |
| Cost / Income Ratio | -967.8% | 57.4% | 50.6% | 50.6% | 36.2% | 29.0% | 37.1% | 36.4% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 0.1% | 0.1% | 0.4% | 0.1% | -0.1% |
| Net Fee Income / Operating Income | -244.7% | 6.2% | 5.8% | 23.0% | 16.9% | 13.5% | 14.4% | 15.6% |
| Return on Avg Assets (ROAA) | 4.3% | 5.5% | 4.7% | 3.9% | 6.5% | 8.0% | 5.8% | 6.1% |
| Return on Avg Equity (ROAE) | 965.8% | 103.4% | 45.5% | 31.6% | 43.9% | 42.5% | 24.3% | 21.2% |
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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