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TBC Bank Group PLC (TBCCF)
OTHER OTC:TBCCF
Earnings Data
Report Date
May 06, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
―Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated strong financial performance and operational momentum: record Q4, double‑digit profit growth, high ROE, expanding digital engagement and meaningful scale in Uzbekistan with sizable revenue and payment volume growth. Management also returned capital via increased dividends and a buyback while keeping capital ratios strong. The primary negatives were regulatory‑driven disruption and near‑term softness in Uzbekistan (loan book rebalancing, elevated cost of risk and Q4 profit impact) and a notable decline in Georgian deposits. Overall, the positives (profitability, margins, digital scale, capital returns and multi‑jurisdiction growth) substantially outweigh the near‑term headwinds from Uzbekistan regulatory adjustments and deposit trends.Company Guidance
Record Q4 and Strong Full-Year Profitability
Q4 net profit of GEL 387m (reported as ~GEL 390m), up ~16% year‑on‑year, with Q4 ROE of 24.9%. Full‑year net profit exceeded GEL 1.4bn, up 9% YoY, and full‑year ROE was 24.2%.
Robust Top‑Line and Net Interest Income Growth
Group top line increased ~15% in Q4 YoY and ~20% for the full year. Net interest income rose 23% in Q4 and was a key driver of full‑year revenue growth.
Strong Georgian Franchise Performance
Georgian core business delivered Q4 net profit up 15% YoY and ROE of 25.7%. Georgian gross loans +11% YoY; cash loans (retail unsecured) grew 36% YoY. Digital retail customer additions were +250k (24% YoY); DAU/MAU ratio remained high at 47%.
Rapid Scale and Revenue Growth in Uzbekistan
Uzbekistan delivered 45% loan growth YoY and ~67% operating income growth for 2025. Payment volumes increased >60% YoY to $9.2bn. The business scaled to ~6m MAUs and nearly 1m daily Salom cards; registered users reached 23m. Uzbekistan contributed ~20% of group operating income and ~9% of group net profit for 2025.
Digital and Product Traction
Digital monthly active users nearly doubled over three years to 7.3m. Flagship TBC card issuance approached 1m cards. Mobile app chatbot launched handling >100k iterations/month. Retail brokerage customers doubled to >100k and affluent product (TBC Concept) grew 50%.
Improved Margins, Cost Efficiency and Capital Returns
Group NIM at ~7% in Q4 (Georgia ~6%); full‑year NIM up ~30bps. Cost control: Q4 OpEx +10% YoY, full‑year OpEx +18% YoY, leading to cost‑to‑income ratio of 37.5% (down 40bps). Cost of risk declined ~50bps to 1.1%. Strong capital allowed a final dividend of GEL 3.87 (total 2025 dividend GEL 8.87, +10% YoY), a 35% payout ratio and a completed GEL 75m buyback.
Balance Sheet Growth and Funding
On a constant currency basis, loans grew ~12% and customer funding grew ~13% year‑on‑year. Q4 loan growth was particularly strong (+5% YoY, driven by Georgia +6%). Capital ratios remained well above regulatory minima.
TBCCF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TBCCF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 20, 2026 | $58.24 | $63.06 | +8.28% |
Nov 06, 2025 | $55.51 | $55.51 | 0.00% |
Aug 08, 2025 | $66.04 | $62.78 | -4.92% |
May 08, 2025 | $60.76 | $54.92 | -9.61% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does TBC Bank Group PLC (TBCCF) report earnings?
TBC Bank Group PLC (TBCCF) is schdueled to report earning on May 06, 2026, Before Open (Confirmed).
What is TBC Bank Group PLC (TBCCF) earnings time?
TBC Bank Group PLC (TBCCF) earnings time is at May 06, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TBCCF EPS forecast?
Currently, no data Available