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Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
TBC Bank Group
TBC Bank Group (TBCG) investor relations material
TBC Bank Group Strategy Day 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Strategy Day 2026 summary24 Feb, 2026
Strategic Vision and Growth Targets
Plans to double business size by 2030, targeting over $1 billion net profit and a $20 billion loan book, with digital MAU reaching 12 million across Georgia and Uzbekistan.
Uzbekistan expected to contribute 25% of group profits by 2030, with ambitions to build Central Asia's largest digital financial ecosystem.
Group aims for at least 15% annual loan book growth, 23%+ ROE, and 25%-45% payout ratio through dividends and buybacks over the next three years.
International expansion will be considered after Uzbekistan scales, with a shortlist of potential markets but focus remains on current geographies.
Possible IPO of Uzbekistan business is under consideration as a strategic option.
Georgia: Market Leadership and Digital Innovation
Sustained 23% ROE and 10%-15% annual growth in loans and profit targeted, maintaining leadership in CIB, retail, and payments.
37% market share in loans and deposits, #1 in leasing and insurance, and 50%+ market share targeted in acquiring business.
Retail banking strategy focuses on mass retail, affluent banking, and digital onboarding, with 1 million cards issued in under a year and 75%+ digital onboarding.
Lending portfolio exceeds $3.6 billion, with 83% of unsecured loans disbursed digitally and 43% mortgage market share.
AI and digitalization drive efficiency, with credit analysis turnaround reduced to 15 days and 20% of CIB profit growth expected from AI initiatives.
Uzbekistan: Ecosystem Scaling and Product Innovation
23 million registered users and 6 million MAU, aiming for 10 million MAU and $3 billion loan book by 2030.
Diversified product suite includes Salom debit card, Osmon credit card, BNPL, business lending, and subscription services.
B2B ecosystem expansion with BILLZ SaaS platform, 55,000+ registered businesses, and integrated loyalty platform (Navat) connecting merchants and consumers.
Loan portfolio near $1 billion, growing at 70% annually; deposit portfolio over $500 million, also growing at 70%.
Fee and commission income comprises 24% of gross revenues, with focus on capital-light, recurring revenue streams and cross-vertical engagement.
Uzbekistan IPO: What conditions trigger a decision?
Uzbekistan: How to navigate evolving regulation
Georgia: Sustain growth beyond current tailwinds
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Next TBC Bank Group earnings date
Q1 20266 May, 2026
TBC Bank Group
Next TBC Bank Group earnings date
Q1 20266 May, 2026
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TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, brokerage and card processing services to corporate and individual customers in Georgia, Azerbaijan and Uzbekistan. The company operates through Retail; Corporate; and Micro, Small and Medium Enterprises segments.
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