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Dividends declared (per SOCE filings): FY2022 2,170 · FY2023 4,141 · FY2024 5,957 — 3-yr total 12,269
Georgian microfinance / non-bank lender registered with the NBG.
| Ratio | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 93.1% | 128.5% | 87.2% | 55.4% | 46.4% | 53.3% |
| Cost of Funds | 5.7% | 14.1% | 11.7% | 13.7% | 14.9% | 13.4% |
| Cost / Income Ratio | 97.6% | 51.7% | 66.1% | 74.7% | 64.4% | 64.6% |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net Fee Income / Operating Income | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Return on Avg Assets (ROAA) | 0.9% | 44.6% | 20.8% | 10.9% | 13.0% | 14.5% |
| Return on Avg Equity (ROAE) | 1.9% | 83.9% | 42.0% | 26.1% | 30.3% | 30.7% |
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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