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Dividends declared (per SOCE filings): FY2022 0 · FY2023 0 · FY2024 0
Operates in Non-bank Credit (MFO/Leasing) — Microfinance. Per the activity note to the FY2024 annual report, the company issues pawn loans secured by precious metals. Founded in 2011; provides secured short-term lending using valuable metals as collateral.
| Ratio | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 19.0% | 17.0% | 15.4% | 14.3% | 12.9% | 11.3% |
| Cost of Funds | 12.6% | 14.2% | 14.0% | 13.9% | 13.7% | 14.0% |
| Cost / Income Ratio | 54.2% | 67.6% | 72.1% | 77.4% | 81.2% | 85.8% |
| Cost of Risk | 0.0% | 0.5% | 0.7% | 0.3% | -0.7% | -0.2% |
| Net Fee Income / Operating Income | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Return on Avg Assets (ROAA) | 7.0% | 4.1% | 3.4% | 2.7% | 2.0% | 1.3% |
| Return on Avg Equity (ROAE) | 111.0% | 53.3% | 35.1% | 25.7% | 17.2% | 10.8% |
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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