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Dividends declared (per SOCE filings): FY2022 150 · FY2023 150 · FY2024 143 — 3-yr total 442
Georgian microfinance organization providing retail loans.
| Ratio | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 6.0% | 26.0% | 20.7% | 22.3% | 23.4% | 24.8% | 26.2% | 25.4% |
| Cost of Funds | 16.4% | 18.0% | 19.1% | 19.3% | 15.9% | 16.2% | 16.8% | 16.7% |
| Cost / Income Ratio | 90.8% | 61.8% | 87.2% | 99.5% | 71.4% | 74.1% | 72.9% | 76.1% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 4.5% | -0.4% | 2.1% | 2.5% | 1.9% |
| Net Fee Income / Operating Income | 19.7% | 4.0% | 5.4% | 3.7% | 3.4% | 3.1% | 3.3% | 2.7% |
| Return on Avg Assets (ROAA) | 2.4% | 3.3% | 0.2% | -0.1% | 5.8% | 5.0% | 5.0% | 4.3% |
| Return on Avg Equity (ROAE) | 41.9% | 27.3% | 0.8% | -0.3% | 16.8% | 14.8% | 15.3% | 13.1% |
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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