TBC Bank

The bank operates primarily in Georgia and Uzbekistan, serving a diverse client base that encompasses retail, corporate, and small and medium-sized enterprises (SMEs). Its business model is centered around providing a comprehensive suite of universal banking services. Revenue is generated through interest income from loans and advances, fees and commissions from various banking services, and other financial operations. TBC's strategy focuses heavily on digital transformation, aiming to deliver a significant portion of its services through online and mobile platforms. This includes a super app that integrates banking, payments, and other lifestyle services, catering to the evolving needs of its digitally-savvy customers.

TBC Bank offers a wide array of products and services tailored to different market segments. For retail customers, this includes current and savings accounts, various types of loans (mortgage, consumer, car), credit cards, and investment products. The bank has made substantial investments in its digital channels, particularly its mobile banking app, which provides features like money transfers, bill payments, and loan management. For its corporate and SME clients, TBC provides corporate banking solutions, trade financing, and advisory services. The expansion into Uzbekistan with the launch of the digital bank, TBC UZ, demonstrates the company's ambition to replicate its successful digital-first model in new, high-growth markets.