TBC Bank posts robust 2025 profits as loans and deposits expand

TBC Bank ( (GB:TBCG) ) just unveiled an update.

TBC Bank Group PLC reported preliminary unaudited results showing strong profitability in 2025, with fourth-quarter net profit up 15.7% year-on-year to GEL 387 million and full-year profit rising 8.6% to GEL 1.42 billion, delivering returns on equity of 24.9% in Q4 and 24.2% for the year. Growth in net interest income and fee income underpinned a 19.6% increase in total operating income, while the balance sheet expanded with gross loans up 12.8% and customer deposits up 12.3%, even as cost of risk increased and non-performing loans edged higher, leaving capital ratios in both Georgia and Uzbekistan comfortably above regulatory minima.

The bank highlighted efficiency improvements with a lower cost-to-income ratio and rising earnings per share and book value per share, supporting its position as a highly profitable player in its core markets despite higher credit loss allowances and modest pressure on asset quality metrics. Management plans to discuss the preliminary figures with investors on a dedicated results call, and indicated that the upcoming statutory accounts for 2025 are expected to receive an unqualified audit opinion, signalling operational resilience and regulatory confidence as the group continues to scale its regional franchise.

More about TBC Bank

TBC Bank Group PLC is a leading financial services group focused on retail and corporate banking in Georgia, with a growing presence in Uzbekistan. The group provides a broad range of banking products, including loans, deposits and digital financial services, and targets both mass-market and business clients in these emerging markets.

Average Trading Volume: 120,226

Technical Sentiment Signal: Strong Buy

Current Market Cap: £2.41B

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