Georgian banking business overview

Leading financial services provider in Georgia

2Q 2025

Loan and deposit portfolios as of 30 June 2025

TBC Insurance

TBC Insurance is Georgia’s leading provider of retail non-health insurance. Through the integration of insurance services with banking products, we enhance the overall value proposition for our customers. This synergy not only fosters customer loyalty, but also contributes to the sustained growth and resilience of our financial ecosystem.

2Q 2025 highlights

TBC Insurance is a wholly owned subsidiary of TBC Bank. It was acquired in October 2016 and is the main bancassurance partner for the Bank. The company operates in four main business lines: non-health, health, reinsurance, and asset management. As of 30 June 2025, TBC Insurance had around 544k customers.

TBC Leasing

A wholly owned subsidiary of TBC Bank, TBC Leasing offers an alternative source of financing to our retail and MSME clients.

2Q 2025 highlights

Our technical expertise and specialised knowledge allow us to provide comprehensive asset finance solutions coupled with complementary advisory services. These include financial leasing, operating leasing, and sale and leasebacks. We serve customers all across Georgia, reaching them through authorised dealerships, vendors, direct sales channels, and TBC Bank branches. Leveraging TBC Bank’s extensive sales network gives us a significant competitive edge.

¹ _{Market shares are Based on data published by National Bank of Georgia}

² _{Market shares given without mandatory border motor third party liability insurance (MTPL). With mandatory border MTPL, retail and total non-health insurance market shares were 32.6% and 23.6% respectively. Source: www.insurance.gov.ge}

³ _{Internal estimates}