TBC Bank Group Balance Sheet

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

Millions GEL. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	2,232	2,364	3,047	3,764	3,861	1,722
Investment Securities	6,541	5,443	3,189	2,631	2,760	1,674
Trading Asset Securities	-	67.61	156.6	25.53	67.59	196.84
Total Investments	6,541	5,511	3,346	2,656	2,827	1,871
Gross Loans	31,247	30,527	26,999	22,703	18,667	17,455
Allowance for Loan Losses	-641.21	-587.49	-425.57	-362.43	-383.33	-421.14
Other Adjustments to Gross Loans	-	-289.48	-210.29	-144.91	-92.43	-72
Net Loans	30,605	29,650	26,364	22,196	18,192	16,962
Property, Plant & Equipment	938.09	890.38	752.34	633.42	555.51	463.02
Goodwill	79.35	79.35	59.96	59.96	59.96	59.96
Other Intangible Assets	835.23	760.44	589.07	471.38	383.2	319.96
Investments in Real Estate	12.08	11.43	9.75	15.24	22.15	22.89
Other Receivables	-	144.79	110.26	59.13	34.06	125.15
Restricted Cash	1,778	2,359	2,577	1,578	2,051	2,101
Other Current Assets	9.23	1,569	2,870	1,119	605.04	502.79
Long-Term Deferred Tax Assets	30.63	5.26	3.15	7.4	16.71	12.36
Other Real Estate Owned & Foreclosed	-	431.61	322.52	280.88	284.91	265.99
Other Long-Term Assets	1,281	165.65	109.33	124.31	96.26	80.54
Total Assets	44,341	43,940	40,160	32,965	28,988	24,509

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Accounts Payable	-	116.82	158.47	87.06	50.3	29.99
Accrued Expenses	-	161.45	153.05	178.56	96.98	94.8
Interest Bearing Deposits	13,565	12,518	10,932	7,698	6,231	5,381
Non-Interest Bearing Deposits	14,390	14,043	12,952	13,567	12,181	9,982
Total Deposits	27,956	26,561	23,885	21,265	18,413	15,363
Short-Term Borrowings	994.47	238.26	92.18	62.12	334.6	9.73
Current Portion of Long-Term Debt	-	578.26	171.66	1,129	242.93	127.03
Current Portion of Leases	-	33.82	31.38	24.73	20.54	14.75
Current Income Taxes Payable	60.09	13.1	1.23	67.95	1.65	86.76
Other Current Liabilities	117.21	195.16	87.05	78.84	101.18	68.74
Long-Term Debt	7,052	8,733	9,097	4,671	5,011	4,866
Long-Term Leases	133.87	151.97	130.5	95.58	102.97	69.71
Long-Term Deferred Tax Liabilities	43.82	59.82	50.22	50.96	112.88	10.98
Other Long-Term Liabilities	1,126	751.6	564.14	433.27	534.13	275.73
Total Liabilities	37,483	37,594	34,421	28,145	25,022	21,055

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Common Stock	1.7	1.71	1.72	1.69	1.68	1.68
Additional Paid-In Capital	411.09	411.09	411.09	295.61	269.94	283.43
Retained Earnings	6,495	6,077	5,287	4,433	3,745	3,007
Treasury Stock	-75.6	-89.09	-66.98	-75.61	-33.44	-25.49
Comprehensive Income & Other	-151.76	-225.33	-77.07	28.55	-103.77	138.96
Total Common Equity	6,681	6,175	5,556	4,684	3,880	3,406
Minority Interest	177.02	171	183.51	136.45	86.81	48.06
Shareholders' Equity	6,858	6,346	5,739	4,820	3,966	3,454
Total Liabilities & Equity	44,341	43,940	40,160	32,965	28,988	24,509

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Total Debt	8,181	9,735	9,523	5,983	5,712	5,088
Net Cash (Debt)	-4,573	-6,875	-6,134	-2,146	-1,475	-3,103
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-81.95	-122.78	-111.18	-39.29	-26.47	-55.55
Filing Date Shares Outstanding	55.01	54.93	55.42	54.26	54.44	54.51
Total Common Shares Outstanding	55.01	54.93	55.42	54.26	54.44	54.51
Book Value Per Share	121.46	112.42	100.24	86.32	71.26	62.47
Tangible Book Value	5,766	5,336	4,906	4,152	3,436	3,026
Tangible Book Value Per Share	104.83	97.13	88.53	76.53	63.12	55.50