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Dividends declared (per SOCE filings): FY2022 290 · FY2023 450 · FY2024 500 — 3-yr total 1,240
Georgian microfinance organization providing retail loans.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | -0.8% | 13.0% | 10.8% | 11.7% | 12.3% | 10.3% | 18.2% | 10.8% |
| Cost of Funds | 12.2% | 12.1% | 12.9% | 14.2% | 12.2% | 14.6% | 2.5% | 14.7% |
| Cost / Income Ratio | -159.9% | 58.5% | 52.7% | 47.7% | 60.1% | -255.6% | 64.9% | 30.2% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 2.5% | -2.7% | 3.4% | 0.3% | 1.1% |
| Net Fee Income / Operating Income | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Return on Avg Assets (ROAA) | 6.0% | 4.2% | 4.7% | 7.7% | 3.7% | 5.3% | 2.8% | 5.1% |
| Return on Avg Equity (ROAE) | 18.9% | 14.0% | 14.7% | 19.1% | 8.1% | 11.9% | 6.0% | 11.5% |
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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