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TBC Bank Group (TBCG) investor relations material
TBC Bank Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Achieved record quarterly net profit of GEL 368 million in 3Q 2025, up 6% year-over-year, with ROE at 24.4% and strong performance in both Georgia and Uzbekistan.
Uzbekistan net profit surged 30% YoY to GEL 41 million in 3Q 2025, with ROE recovering to 23.3% and loans up 92% YoY; digital ecosystem nearly doubled since 2023, reaching close to 7 million monthly active users.
Quarterly dividend of GEL 1.75 per share declared, totaling GEL 5.0 for 9M 2025.
Uzbekistan business contributed 11% of group net profit and 21% of operating income in Q3.
Financial highlights
3Q 2025 net profit was GEL 368 million, up 6% YoY; 9M 2025 net profit reached GEL 1,033 million, up 6% YoY.
Net interest income rose 24% YoY in 3Q 2025 to GEL 611.5 million; total operating income up 17% YoY.
Gross loans grew 13% YoY to GEL 28.7 billion; customer deposits up 13% YoY to GEL 24.6 billion.
NIM held at 7.1% in 3Q 2025; cost/income ratio stable at 37.7%.
9M 2025 results include a non-recurring credit impairment charge of GEL 24.6 million (pre-tax) in Uzbekistan.
Outlook and guidance
Group net profit for 2025 expected to be slightly below GEL 1.5 billion target due to Uzbekistan performance and regulatory headwinds.
Uzbekistan net profit for 2025 expected below GEL 200 million target; SME lending to be a key focus in 2026.
Digital MAU target of 7.0 million for 2025 is within reach; Strategy Day in February will provide updated long-term targets.
Uzbekistan's asset quality trends and strategy
Update on Group net profit target miss
Georgia fast consumer lending market share plan
Uzbekistan SME lending growth strategy details
TBC card impact on Georgia's fee income growth?
Uzbekistan capital plan for new micro loan risk weights
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Next TBC Bank Group earnings date
Q4 202511 Feb, 2026
Next TBC Bank Group earnings date
Q4 202511 Feb, 2026
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Frequently asked questions
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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