TBC Bank Group Balance Sheet

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

Millions GEL. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	3,838	3,047	3,764	3,861	1,722	1,635
Investment Securities	6,158	3,189	2,631	2,760	1,674	1,117
Trading Asset Securities	-	156.6	25.53	67.59	196.84	46.15
Total Investments	6,158	3,346	2,656	2,827	1,871	1,164
Gross Loans	28,125	26,999	22,703	18,667	17,455	15,580
Allowance for Loan Losses	-	-425.57	-362.43	-383.33	-421.14	-617.09
Other Adjustments to Gross Loans	-	-210.29	-144.91	-92.43	-72	-71.92
Net Loans	28,125	26,364	22,196	18,192	16,962	14,891
Property, Plant & Equipment	-	752.34	633.42	555.51	463.02	426.88
Goodwill	79.35	59.96	59.96	59.96	59.96	59.96
Other Intangible Assets	715.33	589.07	471.38	383.2	319.96	239.52
Investments in Real Estate	11.5	9.75	15.24	22.15	22.89	68.69
Other Receivables	96.83	108.95	59.13	34.06	125.15	74.71
Restricted Cash	2,534	2,577	1,578	2,051	2,101	2,110
Other Current Assets	54.48	2,850	1,119	605.04	502.79	835.82
Long-Term Deferred Tax Assets	4.51	3.15	7.4	16.71	12.36	2.79
Other Real Estate Owned & Foreclosed	-	322.52	280.88	284.91	265.99	182.82
Other Long-Term Assets	2,004	130.73	124.31	96.26	80.54	886.21
Total Assets	43,621	40,160	32,965	28,988	24,509	22,578
Accounts Payable	-	158.47	87.06	50.3	29.99	34.96
Accrued Expenses	-	177.18	178.56	96.98	94.8	70.94
Interest Bearing Deposits	25,248	10,932	7,698	6,231	5,381	5,232
Non-Interest Bearing Deposits	-	12,952	13,567	12,181	9,982	7,482
Total Deposits	25,248	23,885	21,265	18,413	15,363	12,714
Short-Term Borrowings	-	92.18	62.12	334.6	9.73	121.93
Current Portion of Long-Term Debt	-	171.66	1,129	242.93	127.03	84.27
Current Portion of Leases	-	31.38	24.73	20.54	14.75	13.12
Current Income Taxes Payable	3.16	1.23	67.95	1.65	86.76	0.85
Other Current Liabilities	252.41	69.19	78.84	101.18	68.74	26.24
Long-Term Debt	10,544	9,097	4,671	5,011	4,866	6,431
Long-Term Leases	-	130.5	95.58	102.97	69.71	56.71
Long-Term Deferred Tax Liabilities	52.43	50.22	50.96	112.88	10.98	13.09
Other Long-Term Liabilities	1,391	557.88	433.27	534.13	275.73	49.83
Total Liabilities	37,491	34,421	28,145	25,022	21,055	19,642
Common Stock	1.71	1.72	1.69	1.68	1.68	1.68
Additional Paid-In Capital	411.09	411.09	295.61	269.94	283.43	283.43
Retained Earnings	5,823	5,287	4,433	3,745	3,007	2,281
Treasury Stock	-53.2	-66.98	-75.61	-33.44	-25.49	-33.41
Comprehensive Income & Other	-217.52	-77.07	28.55	-103.77	138.96	391.33
Total Common Equity	5,965	5,556	4,684	3,880	3,406	2,924
Minority Interest	164.26	183.51	136.45	86.81	48.06	11.48
Shareholders' Equity	6,130	5,739	4,820	3,966	3,454	2,936
Total Liabilities & Equity	43,621	40,160	32,965	28,988	24,509	22,578
Total Debt	10,544	9,523	5,983	5,712	5,088	6,707
Net Cash (Debt)	-6,422	-6,134	-2,146	-1,475	-3,103	-4,986
Net Cash Per Share	-114.67	-111.18	-39.29	-26.47	-55.55	-90.32
Filing Date Shares Outstanding	55.48	55.42	54.26	54.44	54.51	54.38
Total Common Shares Outstanding	55.48	55.42	54.26	54.44	54.51	54.38
Book Value Per Share	107.52	100.24	86.32	71.26	62.47	53.78
Tangible Book Value	5,171	4,906	4,152	3,436	3,026	2,625
Tangible Book Value Per Share	93.20	88.53	76.53	63.12	55.50	48.27

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