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Dividends declared (per SOCE filings): FY2022 0 · FY2023 0 · FY2024 2,683 — 3-yr total 2,683
Georgian non-bank microfinance organisation licensed by the National Bank of Georgia.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 13.5% | 42.1% | 31.9% | 20.6% | 22.7% | 26.9% | 30.3% | 29.4% |
| Cost of Funds | 15.6% | 25.5% | 18.5% | 16.0% | 14.2% | 14.0% | 16.0% | 19.8% |
| Cost / Income Ratio | 58.8% | 38.7% | 55.5% | 71.0% | 61.5% | 39.1% | 32.6% | 33.9% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 0.7% | 3.8% | 9.3% | 3.7% | 0.6% |
| Net Fee Income / Operating Income | 26.7% | 23.3% | 28.6% | 3.0% | 4.7% | 4.1% | 3.1% | 3.2% |
| Return on Avg Assets (ROAA) | 11.9% | 19.8% | 4.1% | 5.3% | 7.1% | 14.5% | 14.9% | 15.8% |
| Return on Avg Equity (ROAE) | 118.1% | 88.7% | 9.8% | 12.8% | 16.1% | 29.6% | 26.9% | 25.1% |
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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