Q4 2025 Results

TBC Bank Group PLC (TBCCF) reported Q4 2025 net profit of GEL390 million and a return on equity of 24.9%. The Georgian franchise posted a 15 % YoY net profit increase; Uzbekistan operations grew revenue by 67 % and loans by 45 % YoY, though regulatory changes triggered a lending contraction and a cost‑of‑risk estimate of 7‑10 % for 2026. Georgian customer deposits fell 12 % YoY, potentially affecting liquidity. Full‑year 2025 net profit was GEL1.4 billion with a return on equity of 24.2 %. TBCCF declared a final dividend of GEL3.87 per share, totaling GEL8.87 for 2025—a 10 % rise YoY—and maintains a dividend payout ratio of 35 %. The share‑buyback program completed a purchase of GEL75 million in 2025.