Strengthen entrepreneurs with capital, knowledge, and skills, so that they transform opportunities into well-being.
VISION
Crystal’s vision is to become the leading bank serving micro and small entrepreneurs across Georgia, empowering regional businesses and local communities.
OUR HISTORY AND VALUES
The past 25 years have seen incredible change in Georgia. Over this period, JSC Microbank Crystal has grown from a small business project within a not-for- profit organisation founded by a group of internally displaced persons (IDPs) to the largest microbank in Georgia.
People
A tangible social impact on households
Planet
Carbon-neutral across all operations
Profit
Attractive return for investors
OUR HISTORY AND VALUES
The past 25 years have seen incredible change in Georgia. Over this period, JSC Microbank Crystal has grown from a small business project within a not-for- profit organisation founded by a group of internally displaced persons (IDPs) to the largest microfinance institution in Georgia.
100 thousand
CUSTOMERS
60%
WOMEN CUSTOMERS
1000
MEMBERS OF STAFF
$218 million
LOAN PORTFOLIO
13.24%
ROE
2.14%
ROA
MICROBANK CRYSTAL CUSTOMERS
“
Crystal has perfect service quality. Employees are highly attentive, they put a primary focus on customers. Whenever I have a question or require an additional support, I always get a contact with the right person and receive quick feedback.
Gulnara
“
Crystal is distinct by simplicity and comfort of the borrowing process.
Ednar
“
An excellent institution to deal with, with strong commitment to the areas they service. All staff are very professional and knowledgeable. They quickly resolve any issue and provide specific service.
Giorgi
“
I have been cooperating with Crystal for long time thanks for the financial and strong advisory contribution from the financial institution. They offered huge support – with the help of Crystal I met all business expenses, purchased inventory and increased revenues.
Nana
Achievements
Achievements
THE LARGEST MICROBANK IN GEORGIA
B+/STABLE CREDIT RATING
FIRST SOCIALLY RATED GENDER BOND IN THE REGION
SILVER LEVEL CLIENT PROTECTION CERTIFICATION
OVER USD 1BN FUNDING FOR THE GEORGIAN ECONOMY
WINNER OF CORPORATE SUSTAINABILITY AWARD 2025
6 TIMES WINNER OF BEST ANNUAL REPORT AND TRANSPARENCY AWARD
WINNER OF CAREC GENDER AND GREEN INNOVATION AWARD 2025
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