Credo Bank

JSC Credo Bank

Total Assets₾ 3.9B

Net Interest IncomeRegister

Net IncomeRegister

ROERegister

Credo Bank and Liberty Bank are close in net interest income — see who's ahead

Currency: GEL	2019	2020	2021	2022	2023	2024	2025
Balance Sheet Items
Loans to Customers (Net)	Register	Register	Register	Register	Register	2.5B	Register
Investment Securities	Register	Register	Register	Register	Register	57.5M	Register
Cash & Cash Equivalents	Register	Register	Register	Register	Register	333.7M	Register
Customer Deposits	Register	Register	Register	Register	Register	1.2B	Register
Due to Other Banks	Register	Register	Register	Register	Register	1.2B	Register
Total Equity	Register	Register	Register	Register	Register	377.6M	Register

P&L Items
Net Interest Income	Register	Register	Register	Register	Register	302.4M	Register
Net Fee & Commission Income	Register	Register	Register	Register	Register	36.4M	Register
Net FX & Trading Gains	Register	Register	Register	Register	Register	-3.5M	Register
Total Operating Income	Register	Register	Register	Register	Register	337.1M	Register
Operating Expenses	Register	Register	Register	Register	Register	-191.1M	Register
Net Profit	Register	Register	Register	Register	Register	68.6M	Register

Key Ratios & Profitability Metrics (%)
ROAE	Register	Register	Register	Register	Register	20.0%	Register
ROAA	Register	Register	Register	Register	Register	2.5%	Register
Cost-to-Income	Register	Register	Register	Register	Register	56.7%	Register
NIM (Net Interest Margin)	Register	Register	Register	Register	Register	12.9%	Register
Cost of Risk	Register	Register	Register	Register	Register	2.6%	Register
Tier 1 CAR	Register	Register	Register	Register	Register	13.3%	Register