TBC Bank Georgia Reports Record Profits Amid Digital Transformation

TBC Bank, Georgia's largest financial institution, reported record annual profits with 25 percent growth driven by digital transformation investments, expanded lending activity, and successful regional market entry. The London-listed bank continues strengthening its position as the Caucasus's leading financial services provider.

Digital banking channels now account for over 95 percent of customer transactions, reflecting successful technology investments and changing consumer preferences. Mobile application users grew substantially, with the platform offering comprehensive financial services including payments, lending, and investment products.

TBC's Uzbekistan operations contributed meaningfully to group results as the subsidiary scaled lending and deposit gathering in Central Asia's largest market. The expansion strategy leverages Georgian fintech expertise in markets undergoing rapid digital financial services adoption.

Asset quality remained strong despite economic uncertainties, with non-performing loan ratios below regional averages. The bank maintained robust capital buffers exceeding regulatory requirements while supporting dividend distributions to shareholders.

Management guidance indicates continued investment in artificial intelligence and data analytics capabilities to enhance customer experience and risk management. TBC aims to maintain technology leadership while pursuing selective regional growth opportunities aligned with its digital-first operating model.