TBC Bank Group
Holding Company of JSC TBC Bank

Financial Highlights

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FY 2016 IFRS Consolidated Audited figures

In GEL thousands

 

Please note that the results before 30 September 2016 are for JSC TBC BANK

  2016 2015 2014 2013 2012 2011 2010 2009
Total Assets 10,769,032 6,934,995 5,423,466 4,451,075 3,899,694 3,300,021 2,267,781 1,738,020
Gross Loans 7,358,723 4,639,029 3,706,261 2,958,581 2,536,698 2,167,405 1,548,409 1,169,377
Net Loans 7,133,702 4,444,886 3,556,496 2,801,712 2,370,200 2,008,745 1,380,955 988,428
Customer Deposits 6,454,949 4,177,931 3,322,428 2,886,883 2,486,944 1,999,256 1,365,351 991,172
Total Liabilities 9,186,401 5,716,546 4,403,990 3,721,786 3,295,670 2,831,240 1,890,508 1,411,277
Stockholders' Equity 1,582,631 1,218,449 1,019,477 729,289 604,024 468,781 377,272 326,743
  2016 2015 2014 2013 2012 2011 2010 2009
Net interest income 490,453 412,173 338,648 282,650 238,650 209,081 162,814 162,242
Net fee and commission income 90,268 72,291 58,682 50,060 45,402 32,418 19,054 17,994
Other operating non-interest income 100,341 92,528 61,004 48,742 42,733 27,038 30,645 34,649
Operating income after provisions for impairment 627,667 501,002 409,229 338,546 297,841 252,548 175,896 122,374
Operating expenses (311,988) (253,130) (226,310) (198,613) (185,532) (145,458) (119,684) (118,418)
Profit before tax 315,679 247,872 182,919 139,933 112,309 107,090 56,212 3,956
Profit for the period 298,258 218,697 158,451 124,270 97,811 91,625 49,435 2,960
  2016 2015 2014 2013 2012 2011 2010 2009
ROAE 1 22.4% 20.1% 18.4% 18.7% 18.7% 22.0% 14.2% 1.0%
ROAA 2 3.9% 3.4% 3.3% 3.1% 2.7% 3.3% 2.5% 0.2%
Cost to income 3 45.8% 43.9% 49.4% 52.1% 56.8% 54.2% 56.3% 57.9%
NPLs 4 3.5% 4.8% 3.1% 0.0% 0.0% 0.0% 0.0% 0.0%
Tier I Capital Adequacy Ratio (Pillar 1) 5 10.4% 12.8% 12.4% 10.7% 10.5% 0.0% 0.0% 0.0%
Total Capital Adequacy Ratio (Pillar 1) 6 14.2% 16.0% 15.0% 14.4% 13.6% 0.0% 0.0% 0.0%

1 Return on average total equity (ROAE) equals annualised net income attributable to owners divided by monthly average of total shareholders’ equity attributable to the Bank’s equity holders for the same period; Q1 2009 - Q4 2010 ratios are calculated based on YE balances due to the abscence of monthly or quarterly IFRS reporting for that period; Q1 2011 - Q4 2012 ratios are calculated based on quarterly average balances due to the abscence of monthly IFRS reporting in that period;

2 Return on average total assets (ROAA) equals net income of the period divided by monthly average total assets for the same period; Q1 2009 - Q4 2010 ratios are calculated based on YE balances due to the abscence of monthly or quarterly IFRS reporting for that period; Q1 2011 - Q4 2012 ratios are calculated based on quarterly average balances due to the abscence of monthly IFRS reporting in that period; Q1 2013 - onwards ratios are calculated based on monthly average balances;

3 Cost to Income ratio equals  total operating expenses for the period divided by the total revenue for the same period. (Revenue represents the sum of net interest income, net fee and commission income and other non-interest income);

4 Non-performing loans (NPL) ratio is calculated as loans for which principal or interest repayment is overdue for more than 90 days divided by the gross loan portfolio for the same period;

NBG Basel II Tier 1 CAR equals Tier I Capital divided by total risk weighted assets, both calculated in accordance with the NBG Basel II requirements. After adoption of NBG Basel II/III requirements, the Bank also calculates its capital requirements and risk weighted assets separately for Pillar 1. Detailed instructions of Pillar 1 calculations are given by NBG. The reporting started from the end of 2012.

NBG Basel II Total CAR equals total capital divided by total risk weighted assets, both calculated in accordance with the NBG Basel II requirements. After adoption of NBG Basel II/III requirements, the Bank also calculates its capital requirements and risk weighted assets separately for Pillar 1. Detailed instructions of Pillar 1 calculations are given by NBG. The reporting started from the end of 2012.

 

 

 

Last updated on 24 February 2017.