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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 net profit to over $1 billion and loan book to over $20 billion by 2030, with digital MAU targeted at 12 million across Georgia and Uzbekistan.
Uzbekistan's contribution to group net profit is targeted to rise from 9% to 25% by 2030, aiming to build Central Asia's largest digital financial ecosystem.
Group targets at least 15% annual loan book growth, over 23% ROE, and a 25%-45% payout ratio through dividends and buybacks for 2026-2028.
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 transformation
Sustained high profitability with 23%-26% ROE and 10%-17% annual growth in loans and profit, maintaining leadership in CIB, retail, and payments.
Holds a 37% market share in loans and deposits, #1 in leasing and insurance, and targets 50%+ market share in acquiring business.
Digitalization drives engagement: 83% of consumer loans and 85% of retail deposits issued fully digitally, with 90% of affluent customers using digital banking.
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.
AI-driven innovations and customer-centric strategies optimize lending, enhance loyalty, and expand market share in unsecured lending and mortgages.
Uzbekistan: Digital ecosystem expansion and product innovation
Built one of the world’s fastest-growing digital financial ecosystems, reaching 23 million registered users and 6 million MAU, aiming for 10 million MAU and $3 billion loan book by 2030.
Leading in consumer loans, payments, and digital banking, with 20% of group revenue and 18% of retail loans.
Diversified product suite includes Salom debit card, Osmon credit card, BNPL, business lending, car finance, 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%.
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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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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