TBC BANK GROUP PLC financials

TBC BANK GROUP PLC

Country: GB Reporting currency: GEL Latest annual report: 2025-12-31

LEI: 213800T6NS9N2WQ3B328 ISIN: GB00BYT18307

Financial statements (GEL, as reported — unscaled; 109 line items across 2 annual periods)

Line item	2025	2024
Income statement
Administrative expenses	GEL 450.4M	GEL 357.3M
Operating expenses	GEL 1.27B	GEL 1.07B
Employee benefits expense	GEL 650.8M	GEL 570.5M
Depreciation & amortisation	GEL 168.4M	GEL 145.3M
Profit before tax	GEL 1.67B	GEL 1.54B
Income tax expense	GEL 252.9M	GEL 236.5M
Profit for the year	GEL 1.42B	GEL 1.31B
— attributable to owners	GEL 1.40B	GEL 1.28B
— attributable to NCI	GEL 22.9M	GEL 23.6M
Total comprehensive income	GEL 1.39B	GEL 1.33B
Per share
Basic EPS	GEL 25230.00	GEL 23410.00
Diluted EPS	GEL 24960.00	GEL 23270.00
Free cash flow / share	GEL 14916.65	GEL -28062.77
Cash flow statement
Cash generated from operations	GEL 2.02B	GEL 1.41B
Net cash from operating activities	GEL 995.7M	-GEL 1.43B
Net cash from investing activities	-GEL 1.06B	-GEL 2.35B
Purchase of PP&E (capex)	GEL 146.9M	GEL 151.1M
Purchase of intangibles	GEL 238.6M	GEL 189.2M
Net cash from financing activities	-GEL 618.5M	GEL 2.98B
Dividends paid	GEL 487.6M	GEL 275.0M
Proceeds from borrowings	GEL 3.96B	GEL 4.74B
Repayments of borrowings	GEL 4.27B	GEL 1.66B
Lease liability payments	GEL 23.6M	GEL 22.4M
Balance sheet
Total assets	GEL 43.94B	GEL 40.16B
Property, plant & equipment	GEL 735.5M	GEL 621.7M
Right-of-use assets	GEL 154.9M	GEL 130.7M
Intangible assets & goodwill	GEL 79.3M	GEL 60.0M
Cash & equivalents	GEL 2.36B	GEL 3.05B
Total equity	GEL 6.35B	GEL 5.74B
— attributable to owners	GEL 6.18B	GEL 5.56B
Non-controlling interests	GEL 171.0M	GEL 183.5M
Deferred tax liabilities	GEL 59.8M	GEL 50.2M
Derived metrics
Free cash flow	GEL 848.8M	-GEL 1.58B
Return on equity	22.4%	22.8%
Cash conversion ratio	0.70×	-1.09×
Capex coverage	6.78×	-9.44×
Other reported items
Adjustments For Decrease Increase In Loans and Advances To Banks	GEL 114.9M	-GEL 948.4M
Adjustments For Decrease Increase In Loans and Advances To Customers	-GEL 3.50B	-GEL 3.99B
Adjustments For Decrease Increase In Other Assets	GEL 13.4M	-GEL 64.9M
Adjustments For Increase Decrease In Deposits From Banks	-GEL 25.4M	GEL 121.5M
Adjustments For Increase Decrease In Deposits From Customers	GEL 2.99B	GEL 2.10B
Adjustments For Increase Decrease In Other Liabilities	-GEL 3.6M	GEL 11.8M
Cancellation of Treasury Shares	GEL 0	GEL 0
Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities	GEL 2.9M	GEL 0
Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities	GEL 19.0M	GEL 0
Comprehensive Income Attributable To Noncontrolling Interests	GEL 26.3M	GEL 23.2M
Comprehensive Income Attributable To Owners of Parent	GEL 1.36B	GEL 1.30B
Current Tax Assets	GEL 42.5M	GEL 60.4M
Current Tax Liabilities	GEL 13.1M	GEL 1.2M
Deferred Tax Assets	GEL 5.3M	GEL 3.1M
Deposits From Banks	GEL 7.37B	GEL 7.63B
Deposits From Customers	GEL 25.66B	GEL 22.86B
Dividends Received Classified As Investing Activities	GEL 1.2M	GEL 680.0K
Effect of Exchange Rate Changes On Cash and Cash Equivalents	-GEL 3.7M	GEL 77.8M
Equity and Liabilities	GEL 43.94B	GEL 40.16B
Fee and Commission Expense	GEL 455.1M	GEL 321.9M
Fee and Commission Income	GEL 1.07B	GEL 842.3M
Fee and Commission Income Expense	GEL 616.7M	GEL 520.4M
Finance Lease Receivables	GEL 842.4M	GEL 612.3M
Financial Assets Measured At Fair Value Through Other Comprehensive Income	GEL 6.25B	GEL 5.54B
Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax	-GEL 11.7M	-GEL 1.5M
Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses	-GEL 20.3M	-GEL 12.9M
Income Taxes Paid Refund Classified As Operating Activities	-GEL 226.1M	-GEL 355.6M
Increase Decrease In Cash and Cash Equivalents	-GEL 683.8M	-GEL 716.7M
Increase Decrease Through Acquisition of Subsidiary	-GEL 84.2M	—
Increase Decrease Through Disposal of Subsidiary	-GEL 8.0K	—
Increase Decrease Through Sharebased Payment Transactions	GEL 40.3M	GEL 25.2M
Increase Decrease Through Transfers and Other Changes Equity	—	GEL 36.0K
Insurance Revenue	GEL 209.6M	GEL 158.8M
Insurance Service Expenses From Insurance Contracts Issued	GEL 129.7M	GEL 110.6M
Insurance Service Result	GEL 59.6M	GEL 35.3M
Intangible Assets Other Than Goodwill	GEL 760.4M	GEL 589.1M
Interest Expense	GEL 2.33B	GEL 1.86B
Interest Paid Classified As Operating Activities	GEL 2.29B	GEL 1.82B
Interest Revenue Calculated Using Effective Interest Method	GEL 4.47B	GEL 3.57B
Investment Property	GEL 11.4M	GEL 9.8M
Issue of Equity	—	GEL 115.5M
Issued Capital	GEL 1.7M	GEL 1.7M
Lease Liabilities	GEL 139.7M	GEL 108.0M
Liabilities	GEL 37.59B	GEL 34.42B
Loans and Advances To Customers	GEL 28.72B	GEL 25.68B
Mandatory Reserve Deposits At Central Banks	GEL 2.36B	GEL 2.58B
Merger Reserve	GEL 402.9M	GEL 402.9M
Miscellaneous Other Operating Income	GEL 24.6M	GEL 16.7M
Other Cash Payments From Operating Activities	GEL 480.0M	GEL 300.2M
Other Cash Receipts From Operating Activities	GEL 20.9M	GEL 17.0M
Other Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax	-GEL 517.0K	GEL 836.0K
Other Comprehensive Income	-GEL 32.7M	GEL 17.8M
Other Comprehensive Income Net of Tax Exchange Differences On Translation	GEL 24.8M	-GEL 8.5M
Other Financial Liabilities	GEL 660.3M	GEL 476.1M
Payments To and On Behalf of Employees	GEL 624.9M	GEL 531.0M
Proceeds From Changes In Ownership Interests In Subsidiaries	GEL 0	GEL 42.6M
Proceeds From Issue of Bonds Notes and Debentures	GEL 544.4M	GEL 295.6M
Proceeds From Issue of Regulatory Capital Financial Liabilities	GEL 0	GEL 805.0M
Proceeds From Issue of Subordinated Liabilities	GEL 0	GEL 236.6M
Proceeds From Sales of Investment Property	GEL 2.8M	GEL 11.0M
Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities	GEL 20.7M	GEL 1.3M
Purchase of Treasury Shares	GEL 108.3M	GEL 70.6M
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax	GEL 45.3M	-GEL 27.0M
Repayments of Bonds Notes and Debentures	GEL 0	GEL 764.8M
Repayments of Regulatory Capital Financial Liabilities	GEL 2.0M	GEL 340.3M
Repayments of Subordinated Liabilities	GEL 229.8M	GEL 3.0M
Reserve of Sharebased Payments	GEL 11.7M	-GEL 1.9M
Retained Earnings	GEL 6.08B	GEL 5.29B
Revenue From Interest	GEL 4.69B	GEL 3.69B
Reverse Repurchase Agreements and Cash Collateral On Securities Borrowed	GEL 185.0M	GEL 0
Share of Profit Loss of Associates Accounted For Using Equity Method	GEL 572.0K	GEL 574.0K
Share Premium	GEL 411.1M	GEL 411.1M
Subordinated Liabilities	GEL 910.3M	GEL 1.15B

Methodology

Every line item above is a fact tagged in TBC BANK GROUP PLC's annual report filed in the European Single Electronic Format (ESEF) under the IFRS taxonomy (ifrs-full) — the income statement, balance sheet and cash-flow statement as the filer reported them. Values are shown as-is, in the reporting currency (GEL), without rescaling; the row labels map to the underlying concept name (e.g. Revenue → ifrs-full:Revenue, Operating profit → ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS → ifrs-full:DilutedEarningsLossPerShare), and any concept without a curated label is shown under “Other reported items” with its de-camel-cased tag name. Only consolidated, default-member facts are shown (segment / dimensional breakdowns are excluded).

“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.

Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.