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Dividends declared (per SOCE filings): FY2022 1,020 · FY2023 444 · FY2024 866 — 3-yr total 2,330
Georgian microfinance / microbank licensed by the National Bank of Georgia.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 3.8% | 16.6% | 16.7% | 14.9% | 17.9% | 17.1% | 15.1% | 16.5% |
| Cost of Funds | 10.8% | 11.9% | 11.5% | 12.2% | 11.6% | 10.7% | 11.5% | 11.1% |
| Cost / Income Ratio | 70.4% | 65.7% | 65.3% | 81.1% | 75.9% | 91.6% | 80.8% | 76.3% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 1.2% | 0.6% | 1.0% | 1.6% | 1.9% |
| Net Fee Income / Operating Income | 37.8% | 16.7% | 16.0% | 19.0% | 15.8% | 18.9% | 25.3% | 15.8% |
| Return on Avg Assets (ROAA) | 2.0% | 2.1% | 4.1% | 2.0% | 2.9% | 0.6% | 1.8% | 2.7% |
| Return on Avg Equity (ROAE) | 13.1% | 9.3% | 16.1% | 8.7% | 13.7% | 3.3% | 10.0% | 16.1% |
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).
Ranked by how close each latest revenue is to this one — not a curated comp set. Open this set in Compare →