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Dividends declared (per SOCE filings): FY2022 62 · FY2023 481 · FY2024 589 — 3-yr total 1,133
Operates in Non-bank Credit (MFO/Leasing) — Microfinance. Per the activity note to the FY2024 annual report, the company issues business and auto pawn loans and conducts currency exchange operations. Registered as credit issuer with National Bank since 15 February 2019; operating since 2018.
| Ratio | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 26.5% | 26.5% | 26.6% | 32.6% | 30.2% | 34.4% | 32.5% |
| Cost of Funds | 10.1% | 14.8% | 16.5% | 14.2% | 14.3% | 9.2% | 13.4% |
| Cost / Income Ratio | 76.4% | 75.3% | 99.9% | 59.1% | 86.9% | 52.0% | 62.3% |
| Cost of Risk | 0.0% | 0.0% | 13.1% | -10.3% | 6.0% | -2.1% | 1.9% |
| Net Fee Income / Operating Income | 14.4% | 31.7% | 41.4% | 20.0% | 36.0% | 35.9% | 37.9% |
| Return on Avg Assets (ROAA) | 5.6% | 3.1% | -1.7% | 18.4% | 3.2% | 23.2% | 15.5% |
| Return on Avg Equity (ROAE) | 15.5% | 8.5% | -4.1% | 33.3% | 5.1% | 38.1% | 29.9% |
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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