TBC Bank Group PLC (FRA:LR6)

TBC Bank Group Income Statement

Financials in millions GEL. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	4,330	3,569	2,860	2,263	1,827	1,615
Interest Income on Investments	125.08	125.08	87.62	67.51	58.44	53.08
Total Interest Income	4,455	3,695	2,948	2,331	1,886	1,668
Interest Paid on Deposits	2,291	1,864	1,395	1,075	911.27	853.52
Net Interest Income	2,164	1,831	1,553	1,255	974.59	814.48
Net Interest Income Growth (YoY)	20.81%	17.91%	23.69%	28.81%	19.66%	5.37%
Gain (Loss) on Sale of Assets	-9.8	-9.8	-	-	26.29	1.6
Gain (Loss) on Sale of Investments	-8.81	-8.81	-11.91	-3.48	-0.97	-16.5
Gain (Loss) on Sale of Equity Investments	0.9	0.57	0.66	0.35	0.84	-
Other Non-Interest Income	1,108	1,002	820.06	807.26	439.14	340.14
Total Non-Interest Income	1,090	984.17	808.8	804.13	465.31	325.23
Non-Interest Income Growth (YoY)	22.43%	21.68%	0.58%	72.82%	43.07%	-6.24%
Revenues Before Loan Losses	3,254	2,815	2,362	2,059	1,440	1,140
Provision for Loan Losses	418.37	190.33	166.7	119.66	-39.8	339.21
Revenue	2,836	2,625	2,195	1,940	1,480	800.51
Revenue Growth (YoY)	12.94%	19.59%	13.15%	31.09%	84.84%	-22.91%
Salaries and Employee Benefits	604.33	539.5	439.76	348.53	287.19	225.55
Occupancy Expenses	160.79	145.29	115.98	101.2	79.89	68.39
Selling, General & Administrative	456.73	369.92	286.28	225.91	168.02	132.06
Other Non-Interest Expense	18.36	18.36	16.92	18.41	11.25	49.25
Total Non-Interest Expense	1,240	1,073	858.93	694.04	546.36	475.24
EBT Excluding Unusual Items	1,596	1,552	1,336	1,246	933.34	325.27
Asset Writedown	-7.62	-7.62	-2.13	-1.22	-11.98	-4.57
Other Unusual Items	-	-	-	2	-	-
Pretax Income	1,588	1,544	1,334	1,247	921.36	319.11
Income Tax Expense	220.23	236.45	193.86	243.21	112.36	-3.38
Earnings From Continuing Operations	1,368	1,308	1,140	1,003	809	322.49
Minority Interest in Earnings	-23.97	-23.58	-15.8	-8.13	-8.22	-4.74
Net Income	1,344	1,284	1,124	995.21	800.78	317.75
Net Income to Common	1,344	1,284	1,124	995.21	800.78	317.75
Net Income Growth	7.93%	14.22%	12.96%	24.28%	152.01%	-40.93%
Basic Shares Outstanding	55	55	54	55	54	54
Diluted Shares Outstanding	56	55	55	56	56	55
Shares Change (YoY)	2.51%	0.99%	-1.96%	-0.26%	1.20%	0.14%
EPS (Basic)	24.24	23.41	20.74	18.14	14.70	5.84
EPS (Diluted)	23.99	23.27	20.58	17.86	14.30	5.80
EPS Growth	5.27%	13.07%	15.23%	24.89%	146.55%	-40.82%
Dividend Per Share	13.100	8.100	7.220	5.450	3.660	-
Dividend Growth	81.44%	12.19%	32.48%	48.91%	-	-
Effective Tax Rate	13.87%	15.31%	14.53%	19.51%	12.20%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.