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	Sep '26 Sep 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	3,774	2,364	3,047	3,764	3,861	1,722
Investment Securities	6,428	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	6,428	5,511	3,346	2,656	2,827	1,871
Gross Loans	-	30,527	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	-	-289.48	-210.29	-144.91	-92.43	-72
Net Loans	-	29,650	26,364	22,196	18,192	16,962
Property, Plant & Equipment	-	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	879.44	760.44	589.07	471.38	383.2	319.96
Investments in Real Estate	5.71	11.43	9.75	15.24	22.15	22.89
Other Receivables	185.28	144.79	110.26	59.13	34.06	125.15
Restricted Cash	1,772	2,359	2,577	1,578	2,051	2,101
Other Current Assets	28.46	1,569	2,870	1,119	605.04	502.79
Long-Term Deferred Tax Assets	25.22	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	2,367	165.65	109.33	124.31	96.26	80.54
Total Assets	47,330	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	Sep '26 Sep 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	29,305	12,518	10,932	7,698	6,231	5,381
Non-Interest Bearing Deposits	-	14,043	12,952	13,567	12,181	9,982
Total Deposits	29,305	26,561	23,885	21,265	18,413	15,363
Short-Term Borrowings	-	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	18.06	13.1	1.23	67.95	1.65	86.76
Other Current Liabilities	296.22	195.16	87.05	78.84	101.18	68.74
Long-Term Debt	9,213	8,733	9,097	4,671	5,011	4,866
Long-Term Leases	-	151.97	130.5	95.58	102.97	69.71
Long-Term Deferred Tax Liabilities	46.33	59.82	50.22	50.96	112.88	10.98
Other Long-Term Liabilities	1,272	751.6	564.14	433.27	534.13	275.73
Total Liabilities	40,151	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	Sep '26 Sep 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	6,800	6,077	5,287	4,433	3,745	3,007
Treasury Stock	-75.1	-89.09	-66.98	-75.61	-33.44	-25.49
Comprehensive Income & Other	-139.24	-225.33	-77.07	28.55	-103.77	138.96
Total Common Equity	6,998	6,175	5,556	4,684	3,880	3,406
Minority Interest	181.07	171	183.51	136.45	86.81	48.06
Shareholders' Equity	7,179	6,346	5,739	4,820	3,966	3,454
Total Liabilities & Equity	47,330	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	Sep '26 Sep 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	9,213	9,735	9,523	5,983	5,712	5,088
Net Cash (Debt)	-4,394	-6,875	-6,134	-2,146	-1,475	-3,103
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-	-122.78	-111.18	-39.29	-26.47	-55.55
Filing Date Shares Outstanding	-	54.93	55.42	54.26	54.44	54.51
Total Common Shares Outstanding	-	54.93	55.42	54.26	54.44	54.51
Book Value Per Share	-	112.42	100.24	86.32	71.26	62.47
Tangible Book Value	6,040	5,336	4,906	4,152	3,436	3,026
Tangible Book Value Per Share	-	97.13	88.53	76.53	63.12	55.50