FAQ: TBC Bank Group's 2Q 2025 Financial Performance and Growth in Georgia and Uzbekistan

What was TBC Bank Group’s net profit in 2Q 2025?

TBC Bank Group’s net profit in 2Q 2025 was GEL 346 million ($126 million), marking a 5% increase year-over-year.

How did TBC Georgia perform in 2Q 2025?

TBC Georgia’s net profit increased to GEL 332 million ($121 million) in 2Q 2025, up by 3% YoY, with a return on equity (ROE) of 23.9%.

What contributed to TBC Uzbekistan’s growth in 2Q 2025?

TBC Uzbekistan’s growth was fueled by an 86% increase in operating income to GEL 170 million ($62 million) and a 36% rise in net profit to GEL 32 million ($12 million), alongside significant digital ecosystem expansion.

What is the significance of TBC Bank Group’s performance in 2Q 2025?

The performance underscores TBC Bank Group’s strong position in Georgia and Uzbekistan, highlighting its ability to deliver exceptional value to shareholders and reinforce its leading role in the region’s financial services sector.

How has digital engagement evolved in TBC Georgia?

In TBC Georgia, digital engagement among retail consumers significantly increased, with 81% of consumer loans issued fully digitally by the end of 2Q 2025, up by 13 percentage points year-over-year.

What are the key metrics of TBC Uzbekistan’s digital banking ecosystem?

As of 30 June 2025, TBC Uzbekistan had 5.7 million digital monthly active users (MAU) and 20.8 million unique registered users, making it one of the largest digital banking ecosystems in Central Asia.

What was the growth in TBC Uzbekistan’s gross loan portfolio?

TBC Uzbekistan’s gross loan portfolio increased to GEL 2.5 billion ($905 million) as of 30 June 2025, up by 105% year-over-year.

How does TBC Uzbekistan contribute to the Group’s overall performance?

TBC Uzbekistan accounted for 20% of the Group’s total operating income and 9% of its net profit in 2Q 2025, highlighting its significant contribution to the Group’s overall performance.