{
  "schemaVersion": 1,
  "organisationId": "O-1fdab00adad44d2abd7d865bfd894073",
  "slug": "tbc-bank-group",
  "name": "TBC BANK GROUP",
  "updatedAt": "2026-10-04T15:22:44.817592Z",
  "sections": [
    {
      "type": "OVERVIEW",
      "text": "TBC Bank Group PLC is a banking and financial-services group whose principal markets are Georgia and Uzbekistan. Its businesses include retail and corporate banking, payments, leasing, brokerage, insurance and asset management, alongside digital and other non-financial services through TNET. [T753471][T837549] The company describes TBC Bank’s mission as making people’s lives easier through simple, innovative products. [P106209469][https://tbcbankgroup.com/about-us]\n\nFor the year ended 31 December 2025, the group reported GEL 3.390 billion in total operating income and GEL 1.420 billion in profit for the period. [T140790] The company’s current profile describes its team as 14,000 strong. [https://tbcbankgroup.com/about-us]\n[T753471][T837549][P106209469][T140790][T140790][https://tbcbankgroup.com/about-us]",
      "updatedAt": "2026-10-04T15:22:44.817592Z"
    },
    {
      "type": "PRODUCTS",
      "text": "TBC’s product range includes retail, MSME and corporate banking, wealth management, insurance and leasing in Georgia, and digital consumer and MSME banking in Uzbekistan. Uzbekistan retail products include loans, deposits, payments and cards, including Salom Cards; around 950,000 Salom Cards had been issued by the end of 2025. The Uzbekistan loan portfolio reached GEL 2.6bn and deposits GEL 1.5bn in 2025. [P23318449][T2089525][P60737873]\n\nBusiness customers can digitally onboard and open GEL accounts. Business app and internet-banking capabilities include instant foreign-exchange execution at real-time market rates, multi-recipient transfers and bulk salary or supplier payments with a single confirmation. Micro-business customers can draw funds against an approved credit limit over 12 months through an automated app or website process. [P71847924][P43172160][P18724578][P2610468][P32954830][P35021028][P77506204]\n\nTNET operates digital platforms and apps across lifestyle, housing, marketplace, auto and recruitment services. TBC also offers insurance, including Comprehensive Automobile Insurance Coverage (CASCO), and leasing through TBC Leasing, whose principal activity is leasing. The available reporting does not disclose revenue shares for individual products. [P90870411][P51295086][T837549][T9908272][T337547]\n[P23318449][T2089525][P60737873][P71847924][P43172160][P18724578][P2610468][P32954830][P35021028][P77506204][P90870411][P51295086][T837549][T9908272][T337547]",
      "updatedAt": "2026-10-04T15:22:44.817592Z"
    },
    {
      "type": "GEOGRAPHY",
      "text": "TBC Bank Group’s principal operating geographies are Georgia and Uzbekistan. Georgia is its largest operating base; the Group expanded into Uzbekistan in 2019, which is now its second-largest subsidiary market. The available disclosures identify these markets but do not provide a country-by-country revenue split. [P23225481][P9437462][D310755]\n\nIn 2025, Uzbekistan loans grew 45% to GEL 2.6 billion and deposits grew 40% to GEL 1.5 billion. The Group’s listed company addresses include its principal Georgian banking office and other group offices in Tbilisi, as well as banking, payments and digital entities in Tashkent; these listings do not establish a complete branch count. No employee headcount split by country was identified, though the Group reports workforce engagement in both Georgia and Uzbekistan. [P60737873][T3196487][T1690901]\n[P23225481][P9437462][D310755][P60737873][T3196487][T1690901]",
      "updatedAt": "2026-10-04T15:22:44.817592Z"
    },
    {
      "type": "SEGMENTS",
      "text": "TBC Bank Group’s 2025 annual report (year ended 31 December 2025) presents a customer and loan-portfolio segmentation into Retail, MSME and Corporate. In the standalone Bank loan book, the approximate shares are Retail 37%, MSME 22% and Corporate 41%; these are portfolio shares, not revenue or profit contributions. The same table allocates the sustainable portfolio as 1.7% Retail, 4.5% MSME and 93.8% Corporate. [T11793227][P54337261]\n\nThe reported focus areas are energy efficiency, electric or hybrid cars, mortgages and solar panels for Retail; energy efficiency, renewable energy, climate-smart technologies, hybrid or electric cars and industry autos for MSME; and energy efficiency, renewable energy, climate-smart technologies, new irrigation systems and industry autos for Corporate. [T11793227] The report defines Retail as non-business individual customers and MSME as business customers not included in CIB. [T773967] The available verified evidence supports these portfolio/customer categories, but does not establish revenue or profit contribution by segment. [T11793227]\n[T11793227][P54337261][T773967]",
      "updatedAt": "2026-10-04T15:22:44.817592Z"
    },
    {
      "type": "HISTORY",
      "text": "TBC Bank was founded in Georgia in 1992 by Mamuka Khazaradze and Badri Japaridze, initially with US$500 in capital and a focus on corporate banking. [https://cms.tbcbankgroup.com/media/2759/tbc-annual-report-2022.pdf] In 2000, IFC and DEG became shareholders, and the bank received an international credit rating; in 2006, it expanded into retail banking. [https://cms.tbcbankgroup.com/media/2759/tbc-annual-report-2022.pdf]\n\nThe bank expanded into Azerbaijan in 2008 by acquiring a 75% stake in lender TBC Kredit. [https://cms.tbcbankgroup.com/media/1144/tbc-bank_annual-report-2016.pdf] TBC Bank Group listed in London in 2014 and acquired all of Bank Republic in Georgia in 2016. [https://tbcbankgroup.com/about-us][https://cms.tbcbankgroup.com/media/1144/tbc-bank_annual-report-2016.pdf] From 2019, the Group expanded into Uzbekistan, including through its investment in payments platform Payme; it launched a digital bank there in 2020. [P82358439][https://tbcbankgroup.com/about-us] In March 2025, it announced TBC Digital, a holding company intended to bring its Uzbekistan banking and Payme businesses under one structure. [https://tbcbankgroup.com/news-media/press-releases/d75c5e27-4a19-418c-a5a5-96c6e5d5b017]\n[P82358439][https://cms.tbcbankgroup.com/media/2759/tbc-annual-report-2022.pdf][https://cms.tbcbankgroup.com/media/1144/tbc-bank_annual-report-2016.pdf][https://tbcbankgroup.com/about-us][https://tbcbankgroup.com/news-media/press-releases/d75c5e27-4a19-418c-a5a5-96c6e5d5b017]",
      "updatedAt": "2026-10-04T15:22:44.817592Z"
    }
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