Tbc Bank Group Plc · LSE:TBCG
Tbc Bank — Q1 2026 Earnings Presentation
67 slides from Tbc Bank's earnings presentation, 2026
Slide 1: 1Q 2026 Results
Investor presentation 1Q 2026 Results Unaudited IFRS consolidated figures
Slide 2: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading this document, law and regulation, the Group expressly disclaims any obligation or undertaking to you agree to be bound by the conditions set our below. The information, statements and disseminate any updates or revis
Slide 3: Business and Strategic Update
Business and Strategic Update
Slide 4: Key Takeaways: 1Q 2026 Highlights
1Q 2026 Highlights • Group – solid start to the year, net Georgia Uzbekistan profit +15% YoY, 23.4% ROE • Georgia – strong 1Q, driven by robust NII on solid loan growth and higher NIM, alongside low risk costs • Uzbekistan – loan book recalibration impacts revenues; business loans up to 18% share; g
Slide 5: Combining growth, profitability and returns
Growth Profitability Customers Returns Net profit 35 % 5Y CAGR ROE 26% 5Y average 7.2 mln digital MAU 25 -35 % dividend payout and Loans 15% 5Y CAGR 44 mln population incremental buybacks Leading regional financial institution combining broad market dominance in Georgia with high growth digital fina
Slide 6: Long-term growth and profitability for shareholders
Long -term growth and profitability for shareholders Our journey as a public company 18.4% 20.1% 22.4% 20.9% 22.0% 23.0% 11.9% 24.9% 27.0% 26.5% 25.6% 24.2% 1,500 1,200 900 Covid -19 pandemic impact 1,420 600 1,308 1,140 1,003 322 809 300 540 360 437 219 298 - 158 2014 2015 2016 2017 2018 2019 2020
Slide 7: TBC Georgia
TBC Georgia
Slide 8: Georgia's economic growth accelerates in 1Q 2026
Georgia’s economic growth accelerates in 1Q 2026 Real GDP growth (%) Annual inflation and monetary policy rate (%) 10.6 11.0 9.7 9.1 7.8 7.5 7.4 5.0 8.0 8.0 4.3 6.0 Sep-20 Dec-20 Sep-21 Dec-21 Sep-22 Dec-22 Sep-23 Dec-23 Sep-24 Dec-24 Jun-25 Sep-25 Dec-25 Sep-26 Dec-26 Mar-21 Mar-22 Mar-23 Mar-24 Ma
Slide 9: TBC Georgia continues consistently generating mid-20s ROE
TBC Georgia continues consistently generating mid -20s ROE 25.2 % 3 .8 % 15% Average ROE* Average ROA* Gross loan CAGR * Net profit and ROE 27.8% 26.4% 24.7% 24.0% 26.9% 26.5% 24.6% 23.3% 23.9% 24.1% 25.7% 24.1% 400 300 200 381 362 324 338 331 332 346 298 318 289 285 255 100 0 2Q 2023 3Q 2023 4Q 202
Slide 10: Loans & deposits up by >10%, led by CIB and retail lending
Loans & deposits up by >10%, led by CIB and retail lending Market 37 % 37 % Retail gross loans (GEL bln )2 shares 1 Loans Deposits -0.8 pp YoY +0.0 pp YoY +16 % Total retail gross loan portfolio growth YoY Gross loans +12% CIB Retail +31% 6.9 7.8 41% 36% 1.9 2.5 GEL 28.2 bln + 12% YoY 2 Cash loans M
Slide 11: Increasing digital engagement: ~50% DAU/MAU and digital MAU +19% YoY
Increasing digital engagement: ~50% DAU/MAU and digital MAU +19% YoY Digital users (thousands) Share of unsecured consumer loans and retail deposits issued fully digitally 47 % 47 % 46 % 47 % 49 % 87% 84% 1,301 1,318 80% 1,196 77% 77% 1,106 1,154 83% 78% 80% 70% 67% 613 647 521 545 555 Mar-25 Jun-25
Slide 12: Our award-winning Georgian banking franchise
Our award -winning Georgian banking franchise Technology Award 2026 in CEE The Banker The Most Innovative Bank 2026 in CEE Global Finance Best for Premier Banking 2026 in CEE & Georgia Euromoney Best Retail Bank for Digital CX 2026 in Eastern Europe & Georgia The Digital B anker Other notable 2026 a
Slide 13: TBC Uzbekistan
TBC Uzbekistan
Slide 14: Uzbekistan's economy maintains strong growth momentum
Uzbekistan’s economy maintains strong growth momentum Real GDP growth (%) Annual inflation and monetary policy rate (%) 8.7 8.2 7.9 7.7 5.0 6.7 6.1 6.3 14.0 13.5 7.1 7.4 1.6 Mar-22 Dec-25 Sep-20 Dec-20 Mar-21 Sep-21 Dec-21 Sep-22 Dec-22 Mar-23 Sep-23 Dec-23 Mar-24 Sep-24 Dec-24 Mar-25 Sep-25 Mar-26
Slide 15: Strong growth dynamics across our verticals
Strong growth dynamics across our verticals Salom card (‘000, cumulative) TBC Uzbekistan payments 93 % 4% USD 2.6 bln +40% YoY Activation rate Of total TBC Uzbekistan deposit portfolio 1,083 951 Payments total value 735 533 230 TBC Business > 185 k 18% 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Osmon c
Slide 16: Active product development pipeline on track
Active product development pipeline on track TBC Business Lola, our AI banking assistant Payme Travel Auto loans • Launched TBC Business app • Launched in F&F in late 2025 • Launched BNPL for Payme Travel • To be launched in 2Q 2026 • Launched Business subscription • Now live for >80% of customers •
Slide 17: Adaption to new regulatory requirements has impacted loan growth and profitability
Adaption to new stringent regulatory requirements has impacted recent loan growth and profitability, growth is expected to pick up in 2H 2026 Registered users (mln) Gross loans (GEL mln) Total operating income (GEL mln) 189 2,636 171 USD 57 21.8 23.0 24.2 2,464 2,550 USD 851 161 170 20.8 GEL 2,297 G
Slide 18: 1Q 2026 Group Financial Results
1Q 2026 Group Financial Results
Slide 19: Strong profitability with net profit +15% YoY and >23% ROE in 1Q
Strong profitability with net profit +15% YoY and >23% ROE in 1Q Net profit (GEL mln ) ROE +15% +0.2pp -6% -1.5pp 24.3% 24.4% 24.9% 23.4% 23.2% 387 346 368 365 319 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 19 Source: IFRS Group Data
Slide 20: Operating income up by 11% YoY in 1Q, NIM stable at 7%
Operating income up by 11% YoY in 1Q, NIM stable at 7% Total operating income (GEL mln ) NIM +11% 5.5 % 24.7 % 5.9 % 22 .9% 6.0% 20 .9% 6 .0% 18.8% 6.2 % 17.1% -5% +0.3pp +0.0pp 880 901 835 859 774 268 275 234 253 241 612 626 625 6.7% 7.1% 7.1% 7.0% 7.0% 533 582 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 20
Slide 21: Elevated cost growth in 1Q on low-base effect
Elevated cost growth in 1Q on low -base effect, growth to normalize going forward Total operating expenses (GEL mln ) Cost to income +20% +3.0pp +3% +2.9pp 40.2% 37.2% 37.6% 37.7% 37.3% 332 336 346 288 314 164 162 162 143 151 145 163 168 174 184 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 1Q 2025 2Q 202
Slide 22: Georgian cost of risk remains healthy, Uzbekistan has picked up
Georgian cost of risk remains healthy, while Uzbekistan has picked up on seasonality and slowdown in credit growth NPLs /G ross loans Cost of risk 2.4% 3.2 % 2.4% 4.1% 2.5 % 4.7 % 2.5% 5.8 % 2.7% 6.7 % 0.8 % 9.3 % 0.8 % 9 .9% 0.8% 9 .7% 0.4% 8 .5% 0.6 % 10.2 % -0.1pp +0.2pp 3.0% 2.7% 2.7% 1.6% 1.6%
Slide 23: Solid 10%+ balance sheet growth
Solid 10%+ balance sheet growth Gross loans portfolio (GEL bln ) Gross loans breakdown (31 March 2026) +11%/+11%1 +1%/+1% 1 CIB Georgia Retail 38% 34% Georgia GEL 30 .5 bln 30.2 30.5 27.4 8% 1% 19% Uzbekistan MSME Other Georgia 31-Mar-25 31-Dec-25 31-Mar-26 Georgia 2 Customer deposits portfolio 3 (G
Slide 24: TBC Uzbekistan: loan portfolio breakdown
TBC Uzbekistan: loan portfolio breakdown UZ business consolidated portfolio per IFRS 1 (31-Mar -26) Business 18% Unsecured cash loans Credit cards 9% GEL 2,297 mln 60% 13% As per CBU methodology 2 , TBC UZ Bank POS & BNPL standalone gross loan portfolio split as of 31 March 2026 is as follows: • 66.
Slide 25: Retaining material capital buffers
Retaining material capital buffers GEORGIA UZBEKISTAN 22.4% 19.8% 19.6% 18.5% 18.5% 16.6% 20.3% 17.3% 15.1% 12.0% 10.0% 8.0% CET1 Tier1 Total CET1 Tier1 Total Min. requirements Min. requirements 25 As of 31 March 2026 Capital adequacy ratios are calculated for the Bank only
Slide 26: Strong capital position enables stable interim DPS
Strong capital position and high profit generation enable stable interim DPS Total dividend and share buyback 1 (GEL mln ) Total DPS (GEL) +25% CAGR 25% 30% 35% 35% 35% 39% 35 % 40% 8.87 56 4 3.87 Final 499 75 50 393 348 8.10 1.75 50 7.22 3Q 489 449 200 5.45 1.75 298 3.66 2Q 1.5 1.75 96 1Q 2021 2022
Slide 27: 2026-28 Group financial targets
2026 -28 Group financial targets Annual loan book growth 15%+ Annual ROE 23 %+ Payout ratio Payout ratio includes both, dividends and buybacks 25 -45 % incl. min 25% DPR and progressive dividend 27
Slide 28: Appendix
Appendix 28
Slide 29: Group: profit and loss statement
Group: profit and loss statement GEL mln 1Q 2026 4Q 2025 1Q 2025 Change YoY Change QoQ Net interest income 625 626 533 17% 0% Net fee and commission income 135 162 148 (9%) (16%) Other operating non -interest income 99 113 93 6% (13%) Total operating income 859 901 774 11% (5%) Total credit loss all
Slide 30: Group: key ratios
Group: key ratios 1Q 2026 1Q 2025 Georgia Uzbekistan Group Georgia Uzbekistan Group ROE 1 24.1% 10.9% 23.4% 23.3% 13.7% 23.2% ROA 2 3.7% 2.4% 3.3% 3.4% 3.5% 3.2% Cost to income 3 34.0% 55.3% 40.2% 31.8% 45.9% 37.2% Cost of risk 4 0.6% 10.2% 1.3% 0.8% 9.3% 1.4% NIM 5 6.2% 17.1% 7.0% 5.5% 24.7% 6.7% L
Slide 31: Georgia | Appendix
Georgia | Appendix 31
Slide 32: Our Award-Winning Retail Banking App
Our Award -Winning Retail Banking App Daily banking Lending products Savings • TBC Card with special benefits • Fully digital consumer lending • Fully digital deposits • Instant transfers & payments • Pre -approved credit limits • Activation of “ Mysafe ” • Cross -bank P2P transfers • BNPL • Online
Slide 33: ESG ratings and scores
ESG ratings and scores TBC Bank Group PLC is a member of the FTSE4Good Index Series since June 2020 FTSE4Good is a global sustainable investment index series, designed to identify companies that demonstrate strong Environmental, Social and Governance (ESG) practices measured against international TB
Slide 34: Supporting Georgia's SDGs through measurable impact
TBC Bank: Supporting Georgia’s Sustainable Development Goals (SDGs) through measurable impact Sustainable portfolio (1Q 2026) Job Creation & Training - Inclusive job creation and capacity -building ESG Academy IT Academy AI Fundamentals 41% Eligible green purposes 4 0 + sessions delivered since 5k+
Slide 35: Georgian Economy Appendix
Georgian Economy Appendix 35
Slide 36: Georgia Snapshot
Georgia Snapshot Population Average age Nominal GDP 2025 3.9 mln 39 $ 38.1 bln GDP per capita GDP per capita, PPP Gross international (2025) (202 5) reserves (Mar -2026) $ 10,296 $ 31,400 $ 6. 5 bln Monetary policy rate Inflation (Mar -2026) Credit Ratings (Mar -2026) 36 8.0 % 4.3 % BB Stable
Slide 37: Economic growth remains strong
Economic growth remains strong Real GDP growth (YoY, %) GDP composition (2025) 24.7 Trade (15%) Real estate activities (9%) 13% 15% 14.8 14.5 Manufacturing (9%) 13.1 10.9 9.9 4% Construction (8%) 10.5 8.6 9.49.8 9.1 8.5 7.4 6.86.36.6 6.5 10.8 6.87.3 6.46.5 4% 9% Information and communication (8%) 4.
Slide 38: External inflows up 12% YoY and well diversified
External inflows up 12% YoY in the last 4 quarters and remain well diversified Exports, tourism, remittances and FDI (mln USD, seasonally adjusted) Share of countries in exports, tourism, remittances and FDI 5,500 2Q 2025 - Export Tourism EU** 1Q 2026 5,000 Remittances FDI Russia* 4,500 IT Service E
Slide 39: USD/GEL and GEL REER
External inflows up 12% YoY in the last 4 quarters and remain well diversified USD/GEL and GEL REER (as of 31 -Mar -25) Percentage change against USD in 1Q 2026 (as of 31 -Mar -26) 150 1.0 4.6 140 1.5 130 2.0 120 2.5 110 0.6 0.0 3.0 100 -0.2 3.5 90 -1.5 80 4.0 -2.1 Sep-08 Sep-13 Sep-18 Sep-23 Sep-03
Slide 40: International reserves at record highs, fiscal balance improves
International reserves at record highs, fiscal balance improves further Gross international reserves and NBG interventions (mln USD) Fiscal and public debt/GDP (%) 7,000 1050 70 2 900 1.1 6,000 6,317750 60 0 600 5,000 50 -1.2 450 -1.9 -2.1 -2 -2.4 -2.3 -2.4 -2.3 -2.3 -2.6 -2.7 4,000 300 40 -3.0 150
Slide 41: Georgian banking sector key highlights
41 80 40 60 50 30 40 70 30 20 35 25 15 Jun-16 2016Q1 Sep-16 Dec-16 2016Q3 Mar-17 Jun-17 2017Q1 Sep-17 Dec-17 2017Q3 Mar-18 Jun-18 2018Q1 Source: Geostat , NBG, TBC Capital Sep-18 Dec-18 2018Q3 Mar-19 Jun-19 2019Q1 Sep-19 (1) On a constant currency basis, as of 31 Dec 2025 Dec-19 2019Q3 Mar-20 Indivi
Slide 42: Georgia: key macro variables
Georgia: key macro variables 2021 2022 2023 2024 2025 2026 GDP Growth, YoY, % 10.6 11.0 7.8 9.4 7.5 7.4 GDP, current USD, USD billion 18.9 25.0 30.5 33.8 38.1 4 3.2 Inflation (EOP), YoY, % 13.9 9.8 0.4 1.9 4.0 3.5 Monetary Policy Rate (EOP), % 10.5 11.0 9.5 8.0 8.0 7.5 Current account Balance, % of
Slide 43: Uzbekistan Appendix
Uzbekistan Appendix 43
Slide 44: Uzbekistan regulatory changes
Uzbekistan regulatory changes New limits on retail loan composition In April 2025, the Central Bank of Uzbekistan introduced regulatory changes that will limit the respective share of microloan s, credit cards and car loans in bank’s credit portfolio each to 25%. This came into force from 24 July 20
Slide 45: TBC Uzbekistan's Digital Growth Story
23.0 TBC Uzbekistan’s Digital Growth Story 18.4 Number of registered users (EOP , mln ) • Launched Business loans • Launched Payme Plus and 13.4 TBC Plus subscriptions • Launched Salom debit card, Osmon • Launched Expat Banking credit card, and business banking • Strategic M&A: acquired 9.4 BILLZ •
Slide 46: TBC Uzbekistan digital ecosystem and flywheel
TBC Uzbekistan digital ecosystem and flywheel Connecting consumers and business through strong network effects Consumer TBC UZ Business Banking Ecosystem Banking Spend, Save, Sell more, Get paid, Earn, Borrow, Manage finances, Invest, Protect Access funding, Operate efficiently 46
Slide 47: Uzbekistan Economy Appendix
Uzbekistan Economy Appendix 47
Slide 48: Uzbekistan Snapshot
Uzbekistan Snapshot Population Average age Nominal GDP 2025 38.2 mln 29 -34 $ 147.1bln GDP per capita GDP per capita, PPP Gross international (2025) (2025) reserves (Mar -2026) $ 3,850 $ 13,180 $ 69.0 bln Monetary policy rate Inflation (Mar -2025) Credit Ratings (Mar -2026) 48 14% 7.1% BB Stable
Slide 49: Economic growth maintains strong momentum
Economic growth maintains strong momentum Real GDP growth (YoY, %) GDP composition (2025) 11.1 Manufacturing industry (22%) 9.3 8.7 Agriculture, forestry and fishing (17%) 8.2 7.9 12% 7.6 7.5 7.2 22% Construction (7%) 6.86.9 6.9 6.8 6.6 6.4 6.7 6.8 3% 6.4 6.5 6.4 6.56.5 5.9 5.75.9 5.6 4% Accommodati
Slide 50: External inflows well diversified, current account deficit declined
External inflows well diversified, current account deficit has declined Export of goods and services by countries (% of total export s , Export and Import of Goods, FDI, Tourism and Remittance Jan -Feb 2026) flows, $ mln and CA balance as % of GDP 60000 4 50000 2.6 2.4 2 19.2% 40000 1.8 1.8 1.0 29.9
Slide 51: Uzbekistan banking sector key highlights
51 80 40 60 30 50 70 20 40 50 30 20 0 10 Mar-17 2017Q-4 Jun-17 Sep-17 2018Q-1 Dec-17 2018Q-2 Mar-18 2018Q-3 Jun-18 2018Q-4 Sep-18 2019Q-1 Dec-18 2019Q-2 Source: Uzstat , CBU, TBC Capital Loans by segments Mar-19 2019Q-3 Jun-19 2019Q-4 Sep-19 2020Q-1 Dec-19 2020Q-2 Mar-20 2020Q-3 (1) On a constant cu
Slide 52: Retail credit penetration and GDP per capita
Retail credit penetration and GDP per capita (2024) 120 100 Canada Thailand Korea 80 Househhold debt to GDP, % United Kingdom Malaysia United States Finland 60 Cyprus France Portugal India Germany Chile Singapore Georgia Israel 40 Brazil Saudi Arabia Italy South Africa North Macedonia Croatia Czech
Slide 53: UZS strengthens, gross international reserves at 45% of GDP
UZS strengthens, gross international reserves at 45% of GDP USD/UZS and UZS REER International Reserves and Public Debt (% of GDP) 120 0 70 3 2.2 2 2000 60 1.9 100 1.6 1.0 1 4000 50 0.7 80 0 40 -0.3 -0.3 6000 60 -1 53 8000 30 -2.1 -2 40 -2.3 10000 20 -3.0 -3 12,205 20 -3.7 12000 10 -4.0 -4 -4.1 0 14
Slide 54: Uzbekistan: key macro variables
Uzbekistan: key macro variables 2021 2022 2023 2024 2025 2026 GDP Growth, YoY, % 8.2 6.1 6.3 6.7 7.7 7.9 GDP, current USD, USD billion 81.2 94.3 107.5 121.4 147.1 169 .2 Inflation (EOP), YoY, % 9.8 12.0 8.8 9.8 7.3 7.4 Monetary Policy Rate (EOP), % 14.0 15.0 14.0 13.5 14.0 13.5 Budget Balance, % of
Slide 55: Selected Financial Data Appendix
Selected Financial Data Appendix 55
Slide 56: Group: balance sheet structure
Group: balance sheet structure Assets structure (GEL bln ) Liabilities structure (GEL bln ) 43.9 44.6 37.6 38.1 40.2 5% 6% 6% 5% 34.5 8% 20% 19% 6% 22% 2% 2% 3% 67% 67% 67% 68% 69% 65% 14% 13% 12% 7% 8% 9% 10% 10% 10% 31-Mar-25 31-Dec-25 31-Mar-26 31-Mar-25 31-Dec-25 31-Mar-26 Due to credit institut
Slide 57: Group: loan breakdown by stages according to IFRS 9
Group: loan breakdown by stages according to IFRS 9 Total: gross loans (GEL mln ) & LLP ratio 1 LLP Ratio 30,152 LLP Ratio 30,465 LLP Ratio 27,350 839 923 703 1.8% 1,960 1.9% 1,936 2.0% 1,737 32.4% 35.6% 32.5% Stage 1 5.8% 6 .2% 6.9% Stage 2 24,910 27,353 27,606 Stage 3 0.7% 0.6% 0.6% LLP ratio 1 31
Slide 58: Group: loan portfolio asset quality
Group: loan portfolio asset quality NPLs Cost of risk 2.5% 2.5% 2.7% 2.7% 3 .0 % 1.4 % 1.6 % 1.6% 1.1% 1.3 % Retail Georgia Retail Georgia 1.5% 1.6% 1.6% 1.5% 1.5% 1.3% 1.8% 1.7% 0.8% 1.5% CIB Georgia CIB Georgia 0.3% 0.2% 0.2% 0.1% -0.1% 1.5% 1.5% 2.2% 2.2% 2.8% MSME Georgia MSME Georgia 0.8% 0.5%
Slide 59: Georgia: loans segment breakdown
Georgia: loans segment breakdown Gross loan portfolio breakdown (GEL bln ) Retail Georgia banking gross loans (GEL bln ) +12% / +12% 1 +16 % / +1 6 % 1 27.6 28.2 25.2 0.6 0.6 9.8 10.3 0.5 8.8 6.0 5.8 5.5 5.8 5.4 5.1 10.1 11.2 11.5 3.7 4.4 4.8 8.8 9.8 10.3 31-Mar-25 31-Dec-25 31-Mar-26 31-Mar-25 31-D
Slide 60: Georgia: deposits segment breakdown
Georgia: deposits segment breakdown Customer deposit portfolio breakdown 1 (GEL bln ) Retail Georgia banking deposits (GEL bln ) +14 % / +1 4 % 2 +19 % / + 20 % 2 24.1 24.0 21.1 9.7 9.9 2.2 2.1 8.3 1.9 12.3 12.2 4.9 5.0 11.1 4.0 8.3 9.7 9.9 4.3 4.8 4.9 31-Mar-25 31-Dec-25 31-Mar-26 31-Mar-25 31-Dec-
Slide 61: Georgia: loans and deposits FX exposure
Georgia: loans and deposits FX exposure Gross loans Deposits 1% 2% 1% 10% 9% 10% 17% 17% 17% 30% 29% 29% 45% 41% 40% 53% 54% 54% 48% 49% 44% 31-Mar-25 31-Dec-25 31-Mar-26 31-Mar-25 31-Dec-25 31-Mar-26 GEL USD EUR GEL USD EUR Other 61 Source: IFRS Group Data
Slide 62: Georgia: market shares
Georgia: market shares Loan market shares Deposit market shares Total Total 36.9% 38.1% 37.2% 37.1% 36.9% 38.0% 37.8% 37.2% 37.3% 37.2% Legal entities Legal entities 39.1% 39.2% 39.3% 39.0% 38.7% 41.0% 38.8% 39.1% 38.9% 38.6% Individual customers Individual customers 37.0% 36.5% 35.9% 35.6% 35.5% 35
Slide 63: Georgia: strong liquidity and diversified funding base
Georgia: strong liquidity and diversified funding base Liability structure (31 March 202 6 ) Liquidity ratios 1 103 % 99% 6% 3% Customer Deposits 126% 119% 120% 123% 19% GEL 3 5 bln Due to Credit Institutions 100% Total liabilities 100% Debt Securities in Issue and subordinated debt 72% Other Liabil
Slide 64: Georgia: high collateralization and low LTVs
Georgia: high collateralization and low LTVs across bank segments 75% of the loan book is secured by cash, gold and real estate LTVs by segments (31 March 202 6 ) (31 March 202 6 ) 1% Real Estate 2% Unsecured 5% Inventory 72% 65% Cash Cover 48% 53% 47% 20% Gold MSME Georgia Retail Georgia CIB Georgi
Slide 65: Ratio definitions
Ratio definitions 1. Return on average total equity (ROE) equals profit attributable to owners divided by the monthly average of total shareholder s’ equity attributable to the PLC’s equity holders for the same period; annualised where applicable. 2. Return on average total assets (ROA) equals profi
Slide 66: Glossary
Glossary Terminology Definition CBU Central Bank of Uzbekistan DAU/MAU Average daily active digital users divided by monthly active digital users. DAU/MAU is calculated for the Bank internet and mobile banking only Digital daily active users (DAU) Monthly average number of individual digital users w
Slide 67: Contact Investor Relations
CONTAC T INVESTO R RELATIONS Andrew Keeley Anna Romelashvili Investor Relations Director of Investor Relations Head of Investor Relations Department E -mail: AKeeley@tbcbank.com.ge E -mail: ARomelashvili@tbcbank.com.ge E -mail: IR@tbcbank.com.ge Tel: +44 (0) 7791 569834 Tel: +(995 ) 577 20 52 90 Tel