TBC Bank Group Investor Day: Targets 15%+ Loan Growth, 23%+ ROE and Teases Uzbekistan IPO Option
View original at finance.yahoo.comTBC Bank Group Investor Day: Targets 15%+ Loan Growth, 23%+ ROE and Teases Uzbekistan IPO Option TBC Bank Group logo TBC Bank Group (LON:TBCG) used its 2026 Strategy Day to outline growth priorities in Georgia and Uzbekistan, reiterate medium-term financial targets, and highlight the role of its digital ecosystem in ex…
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Wealth management has grown at 26% CAGR over four years and asset management business has more than doubled assets under management
80% confidenceTBC Uzbekistan digital ecosystem has 23 million registered users and 6 million monthly active users
80% confidenceTBC financed 71% of Georgia's energy generation supply additions and 66% of road infrastructure financing over past three years
80% confidenceStrategy for 2026-2028 is to become the go-to financial institution in Georgia, maintain leadership in affluent banking, and become leader in mass retail by 2028
80% confidencePayme and TBC together processed more than $9 billion in payments volume last year with over 20% market share in payments
80% confidenceDigital monthly active users have increased sixfold in recent years to more than 7 million
80% confidenceTBC has 37% market share across loans and deposits and is number one player in leasing and insurance in Georgia
80% confidenceEcosystem has built the second-largest life insurer in Uzbekistan by market share, exceeding 20% in nine months
80% confidenceUzbekistan aims to reach investment-grade status within four years and is advancing privatization including 29 large state-owned enterprises in current year
80% confidenceUnsecured lending has accelerated with 83% of disbursements coming from digital channels and unsecured portfolio of more than $1 billion
80% confidenceMore than 75% of customers came through digital channels with end-to-end journey under 25 seconds
80% confidenceTBC holds 45% market share in e-commerce acquiring and aims to exceed 50% market share in acquiring
80% confidenceTBC Bank Group offers a rare mix of strong growth, high profitability, and shareholder returns with 17% compound annual growth in earnings in U.S. dollars and average 23% return on equity over past decade
80% confidenceTotal shareholder return averaged 36% per year in dollars over the past period
80% confidenceUzbekistan is open for investment and stable, citing reforms since 2017 and foreign direct investment of more than $70 billion since that year
80% confidenceGroup returned $735 million to shareholders over the past five years
80% confidenceTBC's retail loan portfolio exceeds $3.6 billion with secured loans representing 72% of portfolio and 43% market share
80% confidenceTime to cash for unsecured lending is under two minutes, often under one minute, and segment has grown 37% over past two years
80% confidenceFees and commissions represent about 24% of gross revenues and company is seeking to increase that mix through various products
80% confidenceGDP growth averaged above 6.5% annually over past five years with 7.7% growth in 2025
80% confidenceTBC holds 54% market share in underwriting and issuance of Georgian corporate debt
80% confidenceCIB contributing up to 50% of profits in recent years and corporate lending has grown at 18% CAGR over five years
80% confidenceTBC Business ecosystem includes 55,000 registered businesses and business lending has grown to $94 million portfolio for self-employed borrowers and about $20 million for SMEs
80% confidenceTBC has 1.3 million digital monthly active users in Georgia, processes about 1 million daily card transactions, and payment platform volumes equal roughly 80% of Georgia's GDP
80% confidenceBank aims to be largest credit product provider in Georgia, targeting more than 35% market share in retail credit products by end of 2028 with 20-25% annual portfolio growth
80% confidenceBusiness reached break-even in a little over two years after initially focusing on three verticals: mobile payments, digital cash loans, and online deposits
80% confidenceGroup aims to double in size by 2030, targeting $1 billion in net profit, loan book of more than $20 billion, and 12 million digital monthly active users
80% confidenceAverage digital marketing cost is $1.42 to attract a new user and revenue per user grew from $37 to $86 over two years
80% confidenceTBC works with 93 of the top 100 companies in Georgia and 70% of CIB clients have relationships longer than five years
80% confidenceGeorgia is an attractive banking market with 5% real GDP growth outlook over next five years and role as trade and tourism hub
80% confidence