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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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TBC Bank Group (TBCG) investor relations material
TBC Bank Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary8 Aug, 2025
Executive summary
Net profit reached GEL 346 million in 2Q 2025, up 5% year-over-year, with ROE at 24.3%.
Georgia delivered GEL 332 million net profit (+3% YoY), while Uzbekistan posted GEL 32 million (+36% YoY).
Surpassed 20 million registered users; launched Uzbekistan's first fully digital insurance service.
Declared a quarterly dividend of GEL 1.75 per share and a GEL 75 million share buyback starting in August.
Uzbekistan contributed 20% of group operating income and 9% of net profit in 2Q 2025.
Financial highlights
Total operating income for 2Q 2025 was GEL 835 million, up 23% year-over-year; net interest income up 27%.
Group net profit for 1H 2025 was GEL 665 million, up 6% year-over-year; ROE for 1H 2025 stood at 23.7%.
Gross loans reached GEL 28.5 billion (+16% YoY); customer deposits at GEL 23.3 billion (+14% YoY).
Cost-to-income ratio stable at 37.6% in 2Q 2025.
NIM increased to 7.1% in 2Q 2025, supported by higher yields in Georgia and Uzbekistan.
Outlook and guidance
2025 targets include 7.0+ million digital MAU, GEL 1.5 billion net profit (15%+ CAGR), and 23%+ ROE.
Dividend payout ratio guidance remains at 25-35%, with incremental buybacks.
Uzbekistan aims for 5.0+ million digital MAU, 80%+ loan CAGR, and GEL 200 million+ net profit.
Group NIM expected to remain above 7%; Uzbekistan NIM to stay above 20% in the medium term.
Georgia's cost of risk expected to stay at 80-100bps; Uzbekistan's cost of risk guided at 7-10% for coming quarters.
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Next TBC Bank Group earnings date
Q3 20256 Nov, 2025
Next TBC Bank Group earnings date
Q3 20256 Nov, 2025
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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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