TBC Bank Group
Holding Company of JSC TBC Bank

Our Business

Retail Banking

TBC Bank is a market leader in retail loans and retail deposits as at 31 December 2016.The retail segment represents 56.8% of the total deposit portfolio and 51.1% of the total loan portfolio, making it the Group’s largest segment in terms of both deposits and loans. We offer a full range of products to our retail customers, account and deposit products through our cutting-edge multichannel platform and a comprehensive distribution network, with special products and services offered to affluent and high net worth clients. We serve c.1.7 million retail customers.



By 31 December 2016, the Group’s retail loan portfolio reached GEL 3,763 million with the market share for individuals at 44.2% (32.9% without Bank Republic). At the same time, our market share in deposits of individuals stood at 40.8% (37.2% without Bank Republic).


Corporate Banking

Corporate Banking is a traditionally strong area of the Bank representing 28.0% of TBC’s total loan portfolio and 27.8% of the total deposits portfolio. We serve c.2,500 corporate clients in Georgia, offering diverse lending,  card and deposit products (including syndicated lending), foreign exchange operations, hedging, trade and project finance products (including factoring), escrow services, cash collection, insurance packages (through GPI Holding, a partner insurance company), leasing (through TBC Leasing) and brokerage and research services (through its brokerage and corporate advisory arm, TBC Capital).


As at 31 December 2016, market shares for legal entity loans and deposits stood at 33.6% (29.4% without Bank Republic) and 34.2 (28.0% without Bank Republic), respectively.

SME Banking

SME banking accounted for 11.7% and 13.8% of TBC’s total loans and total deposits portfolios, respectively. TBC offers a diverse range of products and services to its SME segment customers, including trade finance, project finance, asset finance and working capital loans. We serve approximately 90,000 clients. TBC Bank remains the only bank to offer important education and value-added services to SME businesses through its Business Support Program.

Micro Banking
TBC Bank completed the merger with Bank Constanta in January 2015. The micro banking segment is the smallest but the fastest growing segment of the Group, accounting for 9.2% and 1.6% of total loans and total deposits, respectively. This segment offers various types of loan and deposit products tailored to client needs. As at 31 December, we served approximately 447,000 micro banking customers in Georgia.

NBG market share figure for the Corporate segment includes TBC Bank’s Corporate and SME banking segments.




Last updated on 24 February 2017.