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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-on-year, with ROE at 24.4% and strong performance in both Georgia and Uzbekistan.
Nine-month net profit reached GEL 1,033 million, up 6% year-on-year, with ROE at 23.9%.
Declared a quarterly dividend of GEL 1.75 per share, totaling GEL 5.0 for nine months.
Digital ecosystem expanded to nearly 7 million monthly active users, nearly doubling since 2023.
Financial highlights
Total operating income rose 17% year-on-year in 3Q 2025, led by 24% growth in net interest income.
Net interest margin (NIM) held at 7.1% in 3Q 2025, supported by both Georgia and Uzbekistan.
Cost/income ratio stable at 37.7% in 3Q 2025.
Gross loans grew 13% year-on-year to GEL 28.7 billion; customer deposits up 13% to GEL 24.6 billion.
9M 2025 results include a non-recurring credit impairment charge of GEL 24.6 million 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, but long-term growth potential remains strong.
SME and secured lending to be key growth drivers in Uzbekistan for 2026 and beyond.
Digital MAU target of 7.0 million for 2025 is within reach.
Strategy Day in February will provide updated long-term projections.
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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