Sales 2025 by Business Segment

Sales 2025 by Geography

Historical Breakdown of Revenue by Business Segments

Net Income: Breakdown by Business Segment

Breakdown by Business Segment (GEL)
Fiscal Period: December 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Diversified Commercial Banks

          

Georgian Financial Services

- - - 2.28B 2.49B

Total Assets

- - - - 40.29B

Interest Expense

- - - -1.62B -1.81B

Income Tax Expense

- - - 218M 223M

CAPEX

- - - -213M -

EBT

- - - 1.5B 1.6B

D&A

- - - 122M 131M

Net Income

- - - 1.28B 1.38B

Uzbekistan Operations

- - 173M 337M 451M

Total Assets

- - - - 3.49B

Interest Expense

- - -121M -239M -526M

Income Tax Expense

- - 5.74M 18.1M 18.96M

CAPEX

- - - -90.7M -

EBT

- - 65.07M 128M 146M

D&A

- - 8.97M 13.38M 26.77M

Net Income

- - 59.33M 110M 127M

Micro, Small and Medium Enterprises (MSME)

273M 299M 350M - -

Total Assets

4.14B - - - -

Interest Expense

-11.34M -11.4M -14.04M - -

Income Tax Expense

21.14M 20.04M 31.36M - -

EBT

186M 190M 211M - -

D&A

11.66M 14.46M 19.32M - -

Net Income

165M 170M 179M - -

Micro

- - - - -

Interest Expense

- - - - -

Income Tax Expense

- - - - -

Total Assets

- - - - -

EBT

- - - - -

D&A

- - - - -

Net Income

- - - - -

Retail

579M 643M 766M - -

Total Assets

6.36B - - - -

Interest Expense

-131M -180M -172M - -

Income Tax Expense

32.2M 31.27M 49.32M - -

EBT

315M 312M 371M - -

D&A

51.56M 61.7M 65.9M - -

Net Income

283M 281M 322M - -

Corporate Segment

512M 613M 744M - -

Total Assets

6.55B - - - -

Interest Expense

-274M -363M -555M - -

Income Tax Expense

48.86M 54.29M 90.56M - -

EBT

429M 516M 635M - -

D&A

5.34M 6.84M 12.17M - -

Net Income

380M 462M 544M - -

SME

- - - - -

Interest Expense

- - - - -

Income Tax Expense

- - - - -

Total Assets

- - - - -

EBT

- - - - -

D&A

- - - - -

Net Income

- - - - -

Other Operations and Eliminations

- - -477K -2.22M 2.13M

Interest Expense

- - -2.34M -1.69M 12.22M

Income Tax Expense

- - 147K 134K 11.44M

EBT

- - -59.15M -79.44M -71.54M

D&A

- - 4.52M 10.16M 11.13M

Net Income

- - -59.3M -79.58M -82.98M

CAPEX

- - - -78.21M -

CAPEX

- - - 30.74M -

Total Assets

49.58M - - - -

Total Assets

59.96M - - - -

Total Assets

-410M - - - -

Total Assets

393M - - - -

Total Assets

320M - - - -

Total Assets

70.51M - - - -

Total Assets

397M - - - -

Total Assets

4.59M - - - -

Total Assets

1.94B - - - -

Total Assets

1.72B - - - -

Total Assets

2.09B - - - -

Total Assets

453M - - - -

Total Assets

262M - - - -

Total Assets

22.89M - - - -

Total Assets

194K - - - -

Total Assets

12.36M - - - -

Total Assets

- - - - -

Total Assets

79.14M - - - -

Investment Funds

          

Corporate Center, Other and Sub-Segment Eliminations

116M 386M 164M - -

Interest Expense

-495M -522M -531M - -

Income Tax Expense

10.17M 138M 16.72M - -

EBT

-8.94M 228M 111M - -

D&A

11.33M 18.19M 5.09M - -

Net Income

-19.11M 90.5M 94.39M - -

Geographical Revenue Distribution History

Geographical breakdown of sales (GEL)
Fiscal Period: December 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Georgia

1.48B 1.94B 2.2B - -

Total Assets

22.59B 24.93B 27.99B 32.8B 35.8B

Total Assets

1.23B 2.7B 3.03B 4.18B 4.14B

Total Assets

680M 1.4B 1.95B 964M 586M

Total Assets

- - - 2.22B 3.41B