TBC Bank Group Balance Sheet

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

Millions GEL. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	2,364	3,047	3,764	3,861	1,722
Investment Securities	6,538	3,189	2,631	2,760	1,674
Trading Asset Securities	-	156.6	25.53	67.59	196.84
Total Investments	6,538	3,346	2,656	2,827	1,871
Gross Loans	30,152	26,999	22,703	18,667	17,455
Allowance for Loan Losses	-587.49	-425.57	-362.43	-383.33	-421.14
Other Adjustments to Gross Loans	-	-210.29	-144.91	-92.43	-72
Net Loans	29,565	26,364	22,196	18,192	16,962
Property, Plant & Equipment	-	752.34	633.42	555.51	463.02
Goodwill	79.35	59.96	59.96	59.96	59.96
Other Intangible Assets	760.44	589.07	471.38	383.2	319.96
Investments in Real Estate	11.43	9.75	15.24	22.15	22.89
Other Receivables	143.15	108.95	59.13	34.06	125.15
Restricted Cash	2,358	2,577	1,578	2,051	2,101
Other Current Assets	42.51	2,850	1,119	605.04	502.79
Long-Term Deferred Tax Assets	5.26	3.15	7.4	16.71	12.36
Other Real Estate Owned & Foreclosed	-	322.52	280.88	284.91	265.99
Other Long-Term Assets	2,074	130.73	124.31	96.26	80.54
Total Assets	43,940	40,160	32,965	28,988	24,509
Accounts Payable	-	158.47	87.06	50.3	29.99
Accrued Expenses	-	177.18	178.56	96.98	94.8
Interest Bearing Deposits	25,660	10,932	7,698	6,231	5,381
Non-Interest Bearing Deposits	-	12,952	13,567	12,181	9,982
Total Deposits	25,660	23,885	21,265	18,413	15,363
Short-Term Borrowings	-	92.18	62.12	334.6	9.73
Current Portion of Long-Term Debt	-	171.66	1,129	242.93	127.03
Current Portion of Leases	-	31.38	24.73	20.54	14.75
Current Income Taxes Payable	13.1	1.23	67.95	1.65	86.76
Other Current Liabilities	293.26	69.19	78.84	101.18	68.74
Long-Term Debt	10,312	9,097	4,671	5,011	4,866
Long-Term Leases	-	130.5	95.58	102.97	69.71
Long-Term Deferred Tax Liabilities	59.82	50.22	50.96	112.88	10.98
Other Long-Term Liabilities	1,256	557.88	433.27	534.13	275.73
Total Liabilities	37,594	34,421	28,145	25,022	21,055
Common Stock	1.71	1.72	1.69	1.68	1.68
Additional Paid-In Capital	411.09	411.09	295.61	269.94	283.43
Retained Earnings	6,077	5,287	4,433	3,745	3,007
Treasury Stock	-89.09	-66.98	-75.61	-33.44	-25.49
Comprehensive Income & Other	-225.33	-77.07	28.55	-103.77	138.96
Total Common Equity	6,175	5,556	4,684	3,880	3,406
Minority Interest	171	183.51	136.45	86.81	48.06
Shareholders' Equity	6,346	5,739	4,820	3,966	3,454
Total Liabilities & Equity	43,940	40,160	32,965	28,988	24,509
Total Debt	10,312	9,523	5,983	5,712	5,088
Net Cash (Debt)	-7,662	-6,134	-2,146	-1,475	-3,103
Net Cash Per Share	-136.86	-111.18	-39.29	-26.47	-55.55
Filing Date Shares Outstanding	55.05	55.42	54.26	54.44	54.51
Total Common Shares Outstanding	55.05	55.42	54.26	54.44	54.51
Book Value Per Share	112.18	100.24	86.32	71.26	62.47
Tangible Book Value	5,336	4,906	4,152	3,436	3,026
Tangible Book Value Per Share	96.92	88.53	76.53	63.12	55.50

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