Tbc Bank Group Plc · LSE:TBCG
Tbc Bank — H1 2026 Earnings Presentation
65 slides from Tbc Bank's earnings presentation, 2026
Slide 1: 2Q and 1H 2026 Results
Investor presentation 2Q and 1H 2026 Results Unaudited IFRS consolidated figures
Slide 2: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading this document, Presentation to reflect actual results, changes in assumptions or changes in factors you agree to be bound by the conditions set out below. The information, statements and affecting those statements. op
Slide 3: 2Q 2026 Group highlights
2Q 2026 Group highlights Net profit Maintaining solid Operating income +10% YoY revenue trajectory driven by 13% increase in net interest income Lending volumes Loans +12% YoY 1 GEL 386 mln +12% YoY led by strong growth in GFS retail, while Uzbek loan remain robust book has stabilised and is startin
Slide 4: How TBC's business is split
Uzbekistan Georgia How TBC’s business is split (2Q 2026) Gross loans (GEL mln) Total o perating income 1 (GEL mln ) Net profit 1 (GEL mln ) 7% 5% 18% 82% 93% 95% Georgia Uzbekistan (1) Percentage splits are calculated based on Georgia and Uzbekistan only and exclude other subsidiaries and intra -gro
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 -45 % 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 1,420 600 1,308 Covid -19 1,140 pandemic impact 1,003 809 300 540 360 437 298 322 158 219 - 2014 2015 2016 2017 2018 2019 2020
Slide 7: TBC Georgia
TBC Georgia
Slide 8: Georgia's economic growth remains robust in 1H 2026
Georgia’s economic growth remains robust in 1H 2026 Real GDP growth (%) Annual CPI inflation and monetary policy rate (%, EOP) 10.6 11.0 9.7 7.8 7.5 7.9 7.4 5.0 8.25 8.25 5.8 5.9 Sep-20 Dec-20 Sep-21 Dec-21 Sep-22 Dec-22 Jun-23 Sep-23 Dec-23 Sep-24 Dec-24 Sep-25 Dec-25 Sep-26 Dec-26 Mar-21 Mar-22 Ma
Slide 9: Loans & deposits up by ~15%, led by retail lending and CIB
Loans & deposits up by ~15%, led by retail lending and CIB Retail gross loans (GEL bln )2 Market 37 % 37 % shares 1 Loans Deposits +18% Total retail gross loan 2 portfolio growth YoY Gross loans +12% CIB Retail +36 % 6.7 7.5 41% 37% GEL 29.0 bln 2.4 3.2 + 14% YoY Unsecured consumer loans Mortgages a
Slide 10: TBC mobile app wins Best Digital Bank 2026 in Georgia
Digital users (thousands) TBC mobile app wins Best Digital Bank 2026 in 47% 46% 47% 49% 50% Georgia award from Euromoney 1,301 1,318 1,372 1,154 1,196 613 647 686 545 555 Daily banking Savings Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Digital MAU Digital DAU DAU/MAU Share of unsecured consumer loans and re
Slide 11: Strengthening leadership in our award-winning retail banking business
Strengthening leadership in our award -winning retail banking business Best Bank for Customer Experience 2026 in CEE region Euromoney AI in Consumer Banking Awards 2026 in CEE region Most Innovative Use of AI in Consumer Sandro Rtveladze appointed as Lending and Credit Risk Deputy CEO, Retail Bankin
Slide 12: TBC Uzbekistan
TBC Uzbekistan
Slide 13: Uzbekistan's economy maintains strong growth momentum
Uzbekistan’s economy maintains strong growth momentum Real GDP growth (%) Annual CPI inflation and monetary policy rate (%, EOP) 8.2 8.5 8.2 7.7 5.0 6.7 6.1 6.3 14.0 13.5 6.4 6.2 1.6 Dec-25 Sep-20 Dec-20 Sep-21 Dec-21 Mar-22 Sep-22 Dec-22 Sep-23 Dec-23 Sep-24 Dec-24 Sep-25 Sep-26 Dec-26 Mar-21 Mar-2
Slide 14: Strong growth dynamics across our verticals
Strong growth dynamics across our verticals Salom card (‘000, cumulative) Payments total value (USD bln ) 12.4 16.5 20 .2 20 .8 23 .6 82 % 5% +54% Activation rate Of total TBC Uzbekistan +23% deposit portfolio 1,218 3.2 1,083 2.8 2.6 951 2.4 2.1 735 533 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 2Q 202
Slide 15: Loan book has stabilised and is starting to return to growth
Loan book has stabilised and is starting to return to growth Gross loans (GEL mln ) Deposits (GEL mln ) -6% +8% +0.4% -7% 2,636 2,550 USD 872 USD 548 2,464 1,561 2,297 GEL 2,306 1,467 1,480 GEL 1,451 1,340 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Gross loans split per IF
Slide 16: Recent business developments
Recent business developments Central Asia’s and Uzbekistan's Best Digital Bank 2026 Auto loans Business Banking TBC Group completes • Launched in July • Launched SME secured loans acquisition of majority stake in OLX Uzbekistan This deal expands our customer reach, unlocking additional synergies tha
Slide 17: 2Q and 1H 2026 Group Financial Results
2Q and 1H 2026 Group Financial Results
Slide 18: Strong profitability with 23.6% ROE and 12% net profit growth
Strong profitability with 23.6% ROE and 12% net profit growth Net profit (GEL mln ) ROE +12% -0.7pp +13% +6% -0.2pp +0.2pp 23.7% 24.3% 23.4% 23.6% 23.5% 751 665 346 365 386 1H 2025 1H 2026 2Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026 2Q 2025 1Q 2026 2Q 2026 18 Source: IFRS Group Data
Slide 19: Operating income up by 10% YoY, NIM increases ~10 bps QoQ
Operating income up by 10% YoY, NIM increases ~10 bps QoQ Total operating income (GEL mln ) NIM +10% 5.7 % 23.7 % 6.2% 17.1% 5.9 % 22 .9% 6 .2% 17.1% 6.3 % 17.2% +10% +7% +0.0pp +0.2pp +0.1 pp 1,777 1,609 495 494 859 917 835 234 261 +3% YoY 253 6.9% 7.1% 7.1% 7.0% 7.1% 1,281 1,115 625 656 +13% YoY 5
Slide 20: Focus on efficiency drives lower cost/income ratio
Focus on efficiency drives lower cost/income ratio Total operating expenses (GEL mln ) Cost to income +12% +0.7pp +16% +2% +1.8pp -1.9pp 697 602 325 294 39.2% 40.2% 37.4% 37.6% 38.3% 346 351 314 162 163 +8% YoY 151 372 308 188 +15% YoY 163 184 1H 2025 1H 2026 2Q 2025 1Q 2026 2Q 2026 1H 2025 1H 2026
Slide 21: Stable asset quality in Georgia, while Uzbekistan reflects seasoning
Stable asset quality in Georgia, while Uzbekistan performance reflects seasoning of older vintages, loan book contraction and write -off change NPLs /G ross loans Cost of risk 2.4% 4.1% 2.5 % 4.7 % 2.5 % 5.8% 2.7% 6.7 % 2.7% 10.6% 1 0.8 % 10.2 % 0.7 % 10.9% 0.8% 9 .9% 0.6% 10.2% 0.7 % 11.8% +0.0pp +
Slide 22: Strong QoQ growth in both loans and deposits
Strong QoQ growth in both loans and deposits Gross loans portfolio (GEL bln ) Gross loans breakdown (30 June 2026) +10%/+12% 1 +3%/+4% 1 CIB Georgia Retail 38% 34% Georgia GEL 31.3 bln 30.5 31.3 28.5 7% 2% 19% Uzbekistan MSME Other Georgia 30-Jun-25 31-Mar-26 30-Jun-26 Georgia 2 Customer deposits po
Slide 23: Retaining material capital buffers
Retaining material capital buffers GEORGIA UZBEKISTAN 22.2% 22.1% 19.8% 19.1% 19.1% 16.7% 20.3% 17.3% 15.1% 12.0% 10.0% 8.5% CET1 Tier1 Total CET1 Tier1 Total Min. requirements Min. requirements 23 As of 30 June 2026 Capital adequacy ratios are calculated for the Bank only
Slide 24: Strong capital position and high profit generation enable stable 2Q DPS
Strong capital position and high profit generation enable stable 2Q DPS Total dividend and share buyback (GEL mln ) Total DPS (GEL) +25% CAGR 25% 30% 35% 35% 35% 39% 35 % 40 % 8.87 564 3.87 Final 499 75 50 393 348 8.10 1.75 3.50 50 7.22 3Q 489 449 200 192 5.45 1.75 1.75 2Q 298 3.66 2Q 1.5 1.75 1Q 1Q
Slide 25: Key takeaways
Key takeaways Maintaining strong growth and profitability in 1H 2026 with 23.5% ROE – on track for our 2026 -28 financial targets Strong customer acquisition and engagement in Georgia help drive mid -teen loan and deposit growth Ongoing business recalibration in Uzbekistan as loan book stabilizes an
Slide 26: Appendix
Appendix | _
Slide 27: Group: profit and loss statement
Group: profit and loss statement Change Change Change GEL mln 2Q 2026 1Q 2026 2Q 2025 YoY QoQ 1H 2026 1H 2025 YoY Net interest income 656 625 582 13% 5% 1,281 1,115 15% Net fee and commission income 154 135 156 -1% 14% 290 304 -5% Other operating non -interest income 107 99 97 10% 8% 206 190 8% Tota
Slide 28: Group: key ratios
Group: key ratios 2Q 2026 1H 2026 Georgia Uzbekistan Group Georgia Uzbekistan Group ROE 1 24.3% 10.3% 23.6% 24.2% 10.6% 23.5% ROA 2 3.7% 2.4% 3.4% 3.7% 2.4% 3.4% Cost to income 3 33.2% 50.6% 38.3% 33.6% 52.9% 39.2% Cost of risk 4 0.7% 11.8% 1.6% 0.7% 10.9% 1.5% NIM 5 6.3% 17.2% 7.1% 6.2% 17.1% 7.1%
Slide 29: Appendix: Georgia
Georgia Appendix 29
Slide 30: 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 31: Supporting Georgia's Sustainable Development Goals through measurable impact
TBC Bank: Supporting Georgia’s Sustainable Development Goals (SDGs) through measurable impact Sustainable P ortfolio (2Q 2026) Job Creation & Training - Inclusive job creation and capacity -building Supporting green and social investments to advance sustainable development ESG Academy IT Academy AI
Slide 32: Appendix: Georgian Economy
Georgian Economy Appendix 32
Slide 33: 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) (2025) reserves (Jun -2026) $ 10,296 $ 31,400 $ 7.1bln Monetary policy rate Inflation (Jun -2026) Credit Ratings (Jun -2026) 33 8.25 % 5.8 % BB Stable
Slide 34: Economic growth remains strong
Economic growth remains strong Real GDP growth (YoY, %) GDP composition (Last 4Q, 2Q 2025 -1Q 2026) 24.7 Trade (15%) Real estate activities (9%) 13% 15% 14.8 14.5 Manufacturing (9%) 13.1 10.9 9.9 4% Information and communication (8%) 10.5 8.6 9.49.8 9.0 8.5 7.4 6.86.36.6 6.5 10.8 6.87.3 6.46.5 7.1 4
Slide 35: External inflows up 12% YoY and remain 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 3Q 2025 - 5,500 Export Tourism 2Q 2026 EU & UK 5,000 Remittances FDI Russia* 4,500 IT Servic
Slide 36: GEL gradually strengthens, but remains undervalued
GEL gradually strengthens, but remains undervalued USD/GEL and GEL REER (Index, as of 30 -Jun -25) Percentage change against USD in 1H 2026 (as of 30 -Jun -26) 150 1.0 140 3.5 3.7 1.5 130 1.9 2.0 1.4 120 0.0 2.5 110 -0.3 3.0 100 -2.3 -3.2 90 3.5 -5.4 80 4.0 Feb-03 Feb-08 Feb-13 Feb-18 Feb-23 Dec-03
Slide 37: International reserves at record highs, fiscal balance improves further
International reserves at record highs, fiscal balance improves further Gross international reserves and NBG interventions (mln USD) Fiscal and public debt/GDP (%) 8,000 1050 70 4 7,123 900 2.6 7,000 60 2 750 0.9 6,000 600 50 0 450 5,000 -1.2 300 40 -1.9 -2.1 -2 -2.4 -2.3 -2.4 -2.3 -2.3 -2.6 -2.7 4,
Slide 38: Georgian banking sector key highlights
38 80 40 60 40 50 30 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 2019Q3 (1) On a constant currency basis, as of 31 Dec 2025 Dec-19 Mar-20 Indivi
Slide 39: Georgia: key macro variables
Georgia: key macro variables 2021 2022 2023 2024 2025 2026 Real 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 5.9 Monetary Policy Rate (EOP), % 10.5 11.0 9.5 8.0 8.0 8.25 Current account Balance,
Slide 40: Appendix: Uzbekistan
Uzbekistan Appendix 40
Slide 41: Uzbekistan regulatory change
Uzbekistan regulatory change 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 202
Slide 42: TBC Uzbekistan's Digital Growth Story
TBC Uzbekistan’s Digital Growth Story 2025 Number of registered users (EOP , mln ) • Launched Business loans • Launched Payme Plus and TBC Plus subscriptions • Launched Expat Banking 2023 • Strategic M&A: acquired BILLZ • TBC UZ turned pro fitable • Established TBC Insurance • Acquired the remaining
Slide 43: 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 43
Slide 44: Appendix: Uzbekistan Economy
Uzbekistan Economy Appendix 44
Slide 45: 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 (Jun -2026) Credit Ratings (Jun -2026) 45 14% 6.4 % BB Stable
Slide 46: Economic growth maintains strong momentum
Economic growth maintains strong momentum Real GDP growth (YoY, %) GDP composition (Last 4Q, 2Q 2025 -1Q 2026) 11.1 Manufacturing (22%) 9.3 8.7 8.2 8.4 7.9 22% Agriculture (17%) 7.6 7.5 7.2 28% 6.86.9 6.9 6.8 6.6 6.4 6.7 6.8 6.4 6.5 6.4 6.56.5 Construction (7%) 5.9 5.75.9 5.6 4.9 4.9 5.1 4.8 4.3 Tra
Slide 47: External inflows well diversified, current account deficit increases
External inflows well diversified, current account deficit increases due to pause in gold exports Export of goods and services by countries (% of total exports, Export and Import of Goods, FDI, Tourism and Remittance 5M 2026) flows, $ mln and CA balance as % of GDP 60000 5 50000 2.6 2.4 1.8 1.8 14.9
Slide 48: Uzbekistan banking sector key highlights
48 80 40 60 30 50 70 20 40 50 30 20 0 10 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 Jun-20 (1) On a c
Slide 49: Retail credit penetration and GDP per capita
Retail credit penetration and GDP per capita (2024) 120 100 Canada Thailand Korea 80 Household 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 R
Slide 50: UZS remains broadly stable, gross international reserves at 40% of GDP
UZS remains broadly stable, gross international reserves at 40% 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 -0.1 0 40 -0.3 -0.3 6000 60 -1 53 8000 30 -2.1 -2 40 -2.3 10000 20 -3.0 -3 20 12,061 -3.7 12000 10 -
Slide 51: Uzbekistan: key macro variables
Uzbekistan: key macro variables 2021 2022 2023 2024 2025 2026 Real GDP Growth, YoY, % 8.2 6.1 6.3 6.7 7.7 8.2 GDP, current USD, USD billion 81.2 94.3 107.5 121.4 147.1 175.6 Inflation (EOP), YoY, % 9.8 12.0 8.8 9.8 7.3 6.2 Monetary Policy Rate (EOP), % 14.0 15.0 14.0 13.5 14.0 13.5 Budget Balance, %
Slide 52: Appendix: Selected Financial Data
Selected Financial Data Appendix 52
Slide 53: Group: balance sheet structure
Group: balance sheet structure Assets structure (GEL bln) Liabilities structure (GEL bln ) 44.6 44.3 42.0 38.1 37.5 6% 5% 36.1 8% 5% 4% 19% 17% 6% 20% 2% 2% 3% 67% 69% 67% 66% 69% 71% 13% 12% 13% 6% 9% 10% 11% 10% 10% 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-Mar-26 30-Jun-26 Due to credit institut
Slide 54: 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 30,465 LLP Ratio 31,288 LLP Ratio 28,470 923 1,067 715 1,936 1,933 1,919 2.0 % 2.0% 2.2% 37.3% 32.5% 35.1% Stage 1 6.2 % 6 .9% 7.3% Stage 2 25,836 27,606 28,288 Stage 3 0.7% 0.6% 0.6% LLP ratio
Slide 55: Group: loan portfolio asset quality
Group: loan portfolio asset quality NPLs Cost of risk 2.5% 2.7% 2.7% 3.0 % 3 .3 % 1.6 % 1.6 % 1.1% 1.3 % 1.6 % Retail Georgia Retail Georgia 1.6% 1.6% 1.5% 1.5% 1.5% 1.8% 1.7% 0.8% 1.5% 1.3% CIB Georgia CIB Georgia 2.8% 3.4% 0.2% 0.2% 0.1% -0.1% 0.7% 1.5% 2.2% 2.2% MSME Georgia MSME Georgia 4.8% 4.6
Slide 56: Georgia: loans segment breakdown
Georgia: loans segment breakdown Gross loan portfolio breakdown (GEL bln ) Retail Georgia banking gross loans (GEL bln ) +12% / +14% 1 +17% / +1 8 % 1 26.0 28.2 29.0 10.3 10.7 0.6 0.5 9.1 0.5 5.8 6.0 5.5 5.6 5.9 5.2 10.5 11.5 11.8 3.9 4.8 5.1 9.1 10.3 10.7 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-
Slide 57: Georgia: deposits segment breakdown
Georgia: deposits segment breakdown Customer deposit portfolio breakdown 1 (GEL bln ) Retail Georgia banking deposits (GEL bln ) +14 % / +1 6 % 2 +17% / + 19% 2 24.0 25.2 10.2 22.0 9.9 2.1 2.2 8.7 2.0 5.0 13.0 4.3 5.0 11.5 12.2 9.9 10.2 4.5 4.9 5.1 8.7 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-Mar-
Slide 58: Georgia: loans and deposits FX exposure
Georgia: loans and deposits FX exposure Gross loans Deposits 1% 1% 16% 10% 10% 10% 18% 17% 29% 29% 43% 40% 38% 29% 53% 54% 55% 49% 51% 47% 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-Mar-26 30-Jun-26 GEL USD EUR GEL USD EUR Other 58 Source: IFRS Group Data
Slide 59: Georgia: market shares
Georgia: market shares Loan market shares Deposit market shares Total Total 38.2% 37.8% 37.0% 36.6% 37.8% 36.4% 37.2% 37.3% 37.2% 37.2% Legal entities Legal entities 39.2% 39.3% 39.3% 41.6% 40.4% 39.1% 39.2% 38.6% 39.0% 38.1% Individual customers Individual customers 36.5% 35.9% 35.6% 35.5% 35.5% 35
Slide 60: JSC TBC Bank capital ratios evolution in 2Q 2026
JSC TBC Bank (Georgian standalone bank) capital ratios evolution in 2Q 2026 Minimum Buffer above Potential impact Business Currency Dividend 31 Mar 26 2Q26 profit Tier 1-Tier 2 30 Jun 26 Requirement min of a 10% GEL growth impact payment (30 Jun 2026) requirement devaluation CET 1 capital adequacy r
Slide 61: Georgia: strong liquidity and diversified funding base
Georgia: strong liquidity and diversified funding base Liability structure (30 June 202 6) Liquidity ratios 1 104 % 103 % 3% 6% Customer Deposits 124% 121% 123% 17% 116% GEL 3 4 bln Due to Credit Institutions 100% Total liabilities 100% Debt Securities in Issue and subordinated debt 74% Other Liabil
Slide 62: Loan book security and LTVs
Group: balance sheet structure 75% of the loan book is secured by cash, gold and real estate LTVs by segments (30 June 202 6) (30 June 202 6) 1% Real Estate 2% 5% Unsecured Inventory 72% 67% Cash Cover 48% 53% 46% 20% Gold MSME Georgia Retail Georgia CIB Georgia Total 62 • LTV of mortgage loans stoo
Slide 63: 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 64: 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 65: 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 32) 227 27 27 Tel: