ID 204854595 · FY 2017–2024 · 8 years
Group parent — controls 3 companies
JSC TBC Bank is Georgia's second-largest universal bank by assets and the operating subsidiary of LSE-listed TBC Bank Group PLC. Combined with Bank of Georgia it forms a duopoly controlling ~75% of system loans; runs the leading digital bank in the country and operates TBC Uzbekistan, the region's largest digital-only bank.
curated 2026-06-03tbcbankgroup.comen.wikipedia.orgtbcbank.ge
| Line item | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 207,275 | 770,558 | 793,240 | 827,699 | 995,792 | 1,243,095 | 1,495,596 | 1,590,992 | +33.8% |
| Net fee and commission income | 124,801 | 156,492 | 179,126 | 168,779 | 224,887 | 265,650 | 334,476 | 398,090 | +18.0% |
| Net foreign currency gain / (loss) | -36 | 106,977 | 102,435 | 105,855 | 124,194 | 411,806 | 272,303 | 367,784 | nmf |
| Net other income | 4,004 | 9,686 | 1,069 | -40,980 | 32,248 | 6,448 | 7,093 | 2,192 | -8.2% |
| Operating income | 336,044 | 1,043,713 | 1,075,870 | 1,061,353 | 1,377,121 | 1,926,999 | 2,109,468 | 2,359,058 | +32.1% |
| Operating expenses | -123,563 | -378,115 | -398,170 | -375,036 | -448,868 | -544,897 | -664,731 | -763,705 | +29.7% |
| Profit / (loss) from associates | 909 | 1,154 | 632 | 0 | 837 | 352 | 657 | 574 | -6.4% |
| Operating income before cost of risk | 213,390 | 666,752 | 678,332 | 686,317 | 929,090 | 1,382,454 | 1,445,394 | 1,595,927 | +33.3% |
| Cost of risk | -12,212 | -16,546 | -6,822 | -353,789 | 31,545 | -112,764 | -142,955 | -133,225 | +40.7% |
| Profit before income tax | 397,443 | 504,651 | 589,207 | 332,198 | 962,223 | 1,269,900 | 1,302,916 | 1,462,498 | +20.5% |
| Income tax expense | -34,662 | -71,351 | -43,522 | 5,062 | -119,278 | -246,825 | -183,858 | -217,782 | +30.0% |
| Profit | 362,781 | 433,300 | 545,685 | 337,260 | 842,945 | 1,023,075 | 1,119,058 | 1,244,716 | +19.3% |
| Net profit margin | 108.0% | 41.5% | 50.7% | 31.8% | 61.2% | 53.1% | 53.0% | 52.8% |
Ownership & directors from companyinfo.ge (public corporate registry).