Mission Statement, Vision, & Core Values (2026) of TBC Bank Group PLC.

Step into the world of TBC Bank Group PLC, a dynamic, London-listed financial powerhouse (ticker TBCG) and a proud member of the FTSE-250, whose mission to make people's lives easier has translated into tangible reach-about 40% market share in Georgia serving roughly 1.8 million customers and a rapid digital surge in Uzbekistan touching nearly 22 million users through the country's largest mobile-only bank and leading payments app Payme; from retail and MSME to corporate clients, TBCG's vision of regional leadership, driven by customer centricity, integrity, innovation, collaboration, responsibility and excellence, is reinforced by its creation of Georgia's largest digital lifestyle ecosystem-spanning market-leading real estate, auto and C2C eCommerce platforms-and a strategic push to expand its influence across financial services.

TBC Bank Group PLC (TBCG.L) - Intro

• Listing: London Stock Exchange - TBCG; constituent of the FTSE 250 Index.
• Geographic footprint: Core operations in Georgia and Uzbekistan, with digital-first ambitions across both markets.
• Client segments: Retail, micro-, small- and medium-sized enterprises (MSMEs), corporate clients, and digital consumers via payments and lifestyle platforms.

• Mission - Simplify lives: deliver accessible, convenient, and digitally-led financial services that remove friction for consumers, MSMEs and corporates, enabling everyday financial decisions with clarity and speed.
• Vision - Build the region's leading digital financial and lifestyle ecosystem: scale high-frequency, low-friction services across banking, payments, commerce and lending to be the trusted daily financial partner for millions of users.

• Customer-centricity - design products and journeys around real customer needs; measured by digital adoption rates and active-user metrics.
• Digital-first innovation - prioritize scalable, data-driven digital channels; in Georgia the bank is widely recognized as among the most digitized commercial banks.
• Profitability & discipline - retain strong risk and capital discipline while pursuing growth; maintain sustainable margins across markets.
• Speed & simplicity - reduce time-to-serve via streamlined processes and mobile-first interfaces.
• Local leadership, international standards - operate with deep local market knowledge while adhering to global governance and disclosure norms as a London-listed company.

• Georgia: with ~40% market share and ~1.8M customers, TBC is the dominant retail and commercial bank, driving retail deposits, card volumes, and digital loan origination.
• Uzbekistan: the group's mobile-first brands, including TBC Bank Uzbekistan and Payme, have scaled rapidly to nearly 22M users, positioning the group as one of the largest digital payments ecosystems in Central Asia.
• Digital ecosystem reach: combines banking services with leading real estate, auto and C2C eCommerce platforms to increase customer lifetime value and cross-sell opportunities.
• Capital markets identity: publicly traded as TBCG on LSE and tracked by international investors via FTSE 250 inclusion, supporting access to global capital and greater disclosure transparency.

• High digital engagement: mobile usage, e-KYC and app-led journeys reduce operating costs and increase cross-sell; measured by active mobile users / total customers and digital transaction share.
• Scale in payments and platforms: large user bases (Georgia + Uzbekistan) create network effects for payments, lending and marketplace monetization.
• Balance of retail and MSME exposure: diversified revenue streams across deposits, fees, card interchange, lending and platform commissions.
• Prudential management: maintain strong liquidity and capital buffers consistent with a London-listed bank operating in emerging markets.

TBC Bank Group PLC (TBCG.L) - Overview

• TBC Bank's mission is to make people's lives easier by providing accessible and convenient financial services to retail, MSME, and corporate customers.
• Emphasis on customer-centricity: user-friendly, efficient banking solutions delivered through omnichannel service, digital platforms and branch/agent networks.
• Coverage across market segments: retail, micro, small & medium enterprises (MSME), corporate - targeting broad-spectrum financial needs.
• Strategic alignment: mission drives digital transformation, product innovation, financial inclusion initiatives and service quality improvements.

• Be the leading technology-driven financial institution in the region, enabling economic participation and improving everyday financial wellbeing for customers.
• Deliver seamless digital-first experiences while maintaining strong risk management and capital strength to support sustainable growth.

• Customer First - design decisions around user convenience and measurable improvements in customer experience.
• Innovation - continuous investment in digital channels, APIs, fintech partnerships and agile product development.
• Integrity & Governance - adherence to high compliance, transparency and corporate governance standards as a publicly listed entity (TBCG.L).
• Performance & Responsibility - drive profitable growth while supporting financial inclusion and community initiatives.

• Digital investment: sustained capex into mobile banking, cloud and analytics - driving >70% of transactions to digital channels and reducing per-transaction cost.
• MSME focus: tailored lending products, simplified onboarding and dedicated relationship teams - supporting MSME credit growth and inclusion.
• Product innovation: contactless payments, e-wallets, buy-now-pay-later pilots and lending APIs for partners.
• Operational KPIs tied to mission: Net Promoter Score (NPS) improvement targets, digital active customer growth, time-to-service metrics and cost-to-income reduction goals.

• Market position: one of the largest banks in Georgia by assets and deposits, significant share of payroll and card acquiring business.
• Profitability vs. peers: ROE in the low-to-mid double digits consistent with regional banking franchises that combine retail scale and corporate lending.
• Resilience: CET1 and liquidity ratios maintained above regulatory minima to support lending through economic cycles.
• Customer reach: rapid expansion of digital customers and maintained branch network to serve underbanked segments.

TBC Bank Group PLC (TBCG.L) - Mission Statement

• Leadership objective: dominate the regional retail and SME banking markets while expanding selective corporate and digital channels.
• Stakeholder inclusivity: simultaneous focus on customers, shareholders, partners, and employees to sustain long-term value creation.
• Innovation & reliability: invest in digital platforms, risk management, and product diversification to meet evolving customer needs.
• Sustainability & governance: align growth with prudent capital and liquidity management, maintaining investor-grade metrics where possible.

• Digital transformation: expanding mobile and online banking adoption and transaction volumes.
• SME and retail lending: targeted product suites and credit risk frameworks to balance growth and asset quality.
• Capital & liquidity management: maintaining comfortable buffers above regulatory minima to support expansion.
• People & culture: talent development, employee engagement, and inclusion to sustain service quality.

TBC Bank Group PLC (TBCG.L) - Vision Statement

• Deepening digital channels and data-driven personalization to make banking seamless for retail and SME customers.
• Expanding product ecosystems (payments, wealth, insurance, fintech partnerships) to increase customer lifetime value.
• Maintaining strong capital and risk management to sustain growth through macro cycles.
• Investing in talent, culture, and technology to remain an innovation leader in the region.

• Customer Centricity: Prioritizing customers in product design, service delivery, and support to provide tailored, timely solutions across retail, SME, and corporate segments.
• Integrity: Upholding transparent governance, ethical conduct, and clear disclosure practices to sustain trust with clients, investors, and regulators.
• Innovation: Fostering a culture that adopts new technologies (mobile banking, analytics, open APIs) to enhance convenience, security, and speed.
• Collaboration: Promoting teamwork internally and forming strategic partnerships externally - fintechs, payment networks, and regional banks - to accelerate capabilities.
• Responsibility: Committing to environmental and social initiatives, responsible lending, and community investment programs that align with sustainable development goals.
• Excellence: Pursuing operational excellence, continuous improvement, and high service standards across all business lines.

• Customer Centricity - digital adoption metrics: mobile app active users, digital sales penetration, NPS improvements year-over-year.
• Integrity - governance KPIs: audit findings resolution time, regulatory compliance records, enhanced disclosure frequency.
• Innovation - R&D and tech spend: allocation to platform upgrades, number of fintech partnerships, rollout of new digital products per year.
• Collaboration - strategic alliances: joint ventures, co-branded products, and SME ecosystem partners contributing to fee income diversification.
• Responsibility - ESG targets: financed green projects, reductions in operational carbon footprint, and community investment amounts.
• Excellence - operational metrics: cost-to-income ratio, non-performing loan (NPL) ratio, customer satisfaction scores.