• In Mtskheta, payment for public transport can now be made using any TBC card.

This fare can be settled either with a physical card or through a digital wallet.

Following Tbilisi, Kutaisi, Gori, Poti, Telavi, Bakuriani, Borjomi, Batumi, Rustavi, and Zugdidi, Mtskheta becomes the 11th city where TBC cards are accepted for public transport payments.

Similar to Kutaisi, Gori, Poti, Telavi, Bakuriani, and Borjomi, Mtskheta residents can use a city transport card for fares, which can be obtained at TBC branches.

In Mtskheta, students of public schools ride free with TBC Bank student cards, while students registered in Mtskheta Municipality enjoy a 50% discount with these cards. These discounts are applicable only when using a physical card.

The transport card costs 2 GEL and can be topped up using TBC Faye fast payment machines equipped with card readers.

When paying with a TBC bank card onboard, the transaction is processed offline, meaning the card’s balance is not immediately verified. This could result in the card being overdrawn at the time of payment.

• #1 TBC Insurance: Leading the Way in Auto Insurance Since 2018

TBC Insurance has maintained its position as the top provider of retail auto insurance since 2018. In 2023 alone, the company disbursed over 28 million GEL in reimbursements, reflecting its commitment to customer satisfaction.

The key to customer happiness lies in TBC Insurance’s innovative approach, which emphasizes streamlined services and rapid claims processing. By embracing digital transformation and minimizing bureaucracy, the company ensures a hassle-free experience for policyholders. Customers can handle everything online, from policy issuance to claim settlements, without the need to visit a physical office.

The TBC Insurance app plays a pivotal role in enhancing user convenience. Policyholders can file claims and receive compensation online following an incident. Premium payments, adding authorized drivers, vehicle documentation through photographs, and policy renewals or pauses are all just a few taps away. This efficiency is underscored by the company’s record payment processing time of 6 minutes and 11 seconds.

“We are continuously refining our services to enhance user comfort. Our real-time monitoring systems enable us to uphold service quality, while customers stay informed about the progress of their insurance claims. It’s this dedication that has kept us in the top spot. Every day, we deliver on our promises, ensuring our customers have nothing to worry about,” stated Davit Kighuradze, Deputy General Director.

For comprehensive information on TBC Insurance’s car offerings, please refer to the link.

• TBC Capital was recognized as the top investment bank in Georgia by Global Finance.

An international panel of leading analysts and industry experts determined the victorious financial institutions based on several criteria: market share, transaction quantity and value, service quality and advisory capabilities, innovation, competitive pricing, and market reputation.

Investment Banking

In 2023, TBC Capital set a new record for bond issuances, totaling 16 placements amounting to $372 million. TBC Capital held a commanding 56% market share in corporate bonds during 2023, with TBC Capital’s support facilitating 91% of Lari bond transactions.

The year 2023 was notable for TBC Capital due to its innovative product offerings:

– Introduction of the first retail GEL bonds

– Launch of secured retail bonds

– Issuance of green GEL bonds

– Participation in Georgia’s largest sustainability dollar deployment

– Facilitation of several debut bond issuances, leading to the introduction of 5 new issuers to the market.

Research

Research remains a core focus for TBC Capital alongside its investment activities. In 2023, TBC Capital published over 200 reports covering 10 new sectors of the economy. These insights were shared at approximately 50 events and meetings. TBC Capital notably led the analysis on Georgia’s potential EU candidacy and its implications for local businesses.

Brokerage

TBC Capital’s brokerage arm saw significant growth in 2023, with assets under management expanding by $250 million to reach $780 million. The brokerage division continues to publish weekly market reviews covering equities and fixed-income instruments.

Investment Platform in TBC Digital Bank

Responding to increased demand for alternative investment options, TBC Capital launched an investment platform within TBC Digital Bank in 2023. This platform allows investments in shares or funds of over 6,500 American companies starting from $1, with zero commission. Despite its robust technical features and diverse investment offerings, the platform remains user-friendly and intuitive, attracting over 16,000 users by the end of 2023.

Consulting Services

TBC Capital’s M&A consulting services have been expanding for three years, providing partners with merger/acquisition advisory, business growth consultations, company valuation, and financial consulting. In 2023, TBC Capital facilitated two major international and one local sector transaction in M&A.

Mary Chachanidze, Managing Director of TBC Capital, commented on the award: “TBC Capital actively promotes awareness of capital market instruments and broadens access to diverse financing sources for individuals and corporations. Our recognition as the best investment bank validates our commitment to meeting partners’ needs and upholding our leadership in investment banking.”

Joseph Giarraputo, publisher and editor-in-chief of Global Finance, noted, “The investment market faced challenges in 2023 due to increased interest rates, impacting deal flow and IPO activity. Despite this, certain investment banks demonstrated resilience through innovative large transactions, distinguishing them as winners.”

• Atelier La Mode, a TBC Bank Partner, Launches Showroom

Atelier La Mode, a partner of TBC Bank, is not just a typical small business; it’s a realization of a childhood dream for founder Sopho Chumburidze. What began with a fascination for a sewing machine during a village vacation evolved into a lifelong passion for creating unique garments and toys.

The atelier officially opened its doors in Didi Dighomi in February 2020, right before the pandemic hit, initially halting business. However, Sophie’s resourcefulness led her to pivot to online platforms, where she found unexpected success showcasing her designs on social media.

Despite challenging circumstances, Atelier La Mode persisted, transitioning from sportswear to a diverse range of clothing, including suits, wedding gowns, and casual wear, catering to both local and international clients. There’s a notable demand abroad for Georgian-themed products, particularly those with traditional motifs or inscriptions.

With personal savings and support from TBC Bank, Atelier La Mode has expanded its operations, doubling its sewing machines and employing five tailors. The atelier not only produces its own line but also fulfills orders for other brands and offers alteration services.

Looking ahead, Atelier La Mode plans to open a showroom on Agmashenebeli ave, blending old-world charm with contemporary fashion. The showroom will showcase their diverse range, including sports apparel that resonates with today’s comfort-oriented clientele.

• “Agro Impex” Installs Georgia’s First Solar Power Plant with TBC Support

In the village of Lemshveniera in Gardabani Municipality, “Agro Impex” installed Georgia’s inaugural solar power plant on an irrigation reservoir, backed by TBC Agro loan assistance and USAID’s Energy Future Assurance Program co-financing.

The 216 kW solar power plant will mitigate 31,200 kg of greenhouse gas emissions annually, serving as a pilot project generating 300,000 kW of electricity per year. This initiative will reduce “Agro Impex’s” electricity consumption by 38%, resulting in approximately $32,400 in annual savings.

The project’s total cost is $177,000, with USAID’s Energy Future Assurance program contributing $85,000 and TBC’s agro loan providing $92,000 in support.

“Agro Impex” is part of the “Agro Holding” group, possessing 70 hectares of corn fields in Gardabani. TBC, prioritizing the agricultural sector, has supported the growth of “Agro Holding” for nine years.

USAID’s Energy Future program in Georgia facilitates business support and involvement in pilot projects integrating renewable energy and innovative, energy-efficient technologies. This program aims to foster technological innovation and novel financing approaches in partnership with the private sector to advance renewable energy and energy efficiency in Georgia.

• Registration Opens for “Eliso” Award by Nato Vachnadze Foundation

Registration is now open for the inaugural Nato Vachnadze Foundation prize, the “Eliso” Award, celebrating excellence in Georgian cinema. Submissions will be accepted until May 1 for consideration. Established this year, the “Eliso” Award is the flagship initiative of the NATO Vachnadze Foundation, supported by TBC.

The award ceremony is scheduled for June 14 at the Nato Vachnadze House-Museum in Gurjaani. The foundation’s primary partners include “Tegeta,” “Tegeta Karsi,” Gurjaani Municipality, as well as “Sarajishvili,” “Galf,” “Rooms Hotels,” and others.

Founded in 2023 by filmmakers and family members, the Nato Vachnadze Foundation aims to advance the arts, particularly cinematography, while preserving the legacy of Nato Vachnadze and family values. The foundation emphasizes supporting filmmakers, historical research, cinema popularization, and empowering women.

The “Eliso” Award will recognize achievements in three categories: Best Director, Best Actor, and Best Cameraman, with each winner receiving 5000 GEL. Eligible entries include full-length documentaries and feature films produced or co-produced in Georgia in 2023.

“Eliso,” directed by Nikoloz Shengelaya, remains a landmark in Georgian cinema, known for its innovative storytelling and editing. Notably, the film breaks from the typical portrayal of women in Georgian silent films by presenting Eliso as a heroic figure rather than a victim. The lead role was played by Kira Andronikashvili, sister of Nato Vachnadze, who faced repression under Soviet rule.

Foundation members include prominent figures such as Nino Kirtadze, Rezo Kiknadze, Ketevan Shavgulidze, Guram Ghongadze, and Natalia Jugheli. A jury comprising Georgian and international cinematographers will determine nominees and winners for the Eliso Award.

Future plans include hosting workshops, lectures, residencies, and film screenings in collaboration with the Nato Vachnadze House-Museum, with efforts to engage foreign professionals.

Visit for more about the Nato Vachnadze Foundation

• Meeting with the Exhibition Curator and Artist at TBC Concept

TBC Concept is hosting a meeting between artist Keti Kapanadze and curator Irina Popiashvili as part of Keti Kapanadze’s exhibition “Toxic Couple,” on April 27 at 15:00.

During this event, the artist and curator will discuss Keti Kapanadze’s personal exhibition, held at the multifunctional space of TBC Concept. They will delve into the history, context, and meaning behind the artist’s works from various periods.

Displayed across both exhibition spaces at TBC Concept are works spanning almost 40 years of Keti Kapanadze’s artistic career.

To attend the meeting, please register at www.conceptevents.ge, following which the Concept Assistant will confirm your attendance.

About Irina Popiashvili

Irina Popiashvili is an art critic and curator. Since 2013, she has served as the dean of the School of Visual Arts, Architecture, and Design at the Free University, also holding a position as a university professor. From 2013 to 2017, she was the founder and director of the Popiashvili Gvaberidze Window Project. Since 2017, she has co-founded Kunsthalle Tbilisi. In March to November 2012, she was the Rector of Tbilisi State Academy, and from 2001 to 2012, she co-owned the Newman Popiashvili Gallery. Noteworthy exhibitions curated by Irina Popiashvili include the 1999 Georgian Pavilion at the Venice Biennale, the 2004 Farajanov exhibition at the Zimmerli Art Museum, the 2012 “Reframing the 80s” at the Dimitri Shevardnadze National Gallery, and the 2018 “Carlo Katcharava Today” at the Dimitri Shevardnadze National Gallery.

About Keti Kapanadze

Keti Kapanadze resides and works in Georgia and Germany. She graduated from the Tbilisi State Art Academy (1984-1990) and has been based in Germany since 2000. Exploring themes of identity and the female artist’s societal role, Keti has participated in notable group exhibitions including the 1997 IFA exhibition “From Painting to Photography,” the 1999 “After the Wall” at Moderna Museet in Stockholm, the 2009 “Born in Georgia” at the Cobra Museum in Amsterdam, and the 2012 “Revising the 80s” at the National Gallery, Tbilisi. Her monograph titled “What is Love” was published by Kettler Verlag in 2016. Keti was in residence at the Cité des Arts in Paris in 2007, and her works are held in collections at the Bochum Museum, Stuttgart State Gallery, Kunsthalle Göppingen, and Jane Voorhees Zimmerli Art Museum.

• TBC Introduces QR Payment for Enhanced Restaurant Customer Experience

TBC has launched QR payment for its restaurant business, aiming to enhance customer satisfaction. This innovative approach streamlines the ordering and payment process, making it more convenient and enjoyable for patrons. With QR payment, customers can review their orders, settle the bill, and leave a tip seamlessly, all without using cash.

This QR payment method, widely used internationally, marks TBC as the pioneer in Georgia’s Horeca sector to offer this service. The process is straightforward: QR codes are strategically placed on tables or payment terminals within food establishments. Once the service staff confirms the order, customers can instantly view their bill, add a tip, and pay using any Visa or Mastercard, whether local or international. Payments are also accepted through Google Pay, Apple Pay, or by entering card details or using TBC Mobile Bank.

The QR payment interface is available in both Georgian and English, ensuring accessibility for all patrons. By adopting this technology, restaurants benefit from smoother transactions, improved customer interactions, reduced staff workload, and increased opportunities for gratuities. Businesses gain better control and reporting capabilities through integration with TBCPayments.ge, where all transactions are automatically and promptly recorded in their management systems.

Experience from global markets indicates that QR payment systems boost tipping rates by presenting users with predefined tip options or the ability to input a custom amount before finalizing payment. Notably, receiving tips through TBC incurs no transaction fees, offering a significant advantage to establishments. Furthermore, this method minimizes human errors during payments, eliminating potential mistakes often associated with manual transactions at traditional terminals.

• With the backing of TBC, construction of the multifunctional complex “Simetria Jikia” is underway in Saburtalo.

The complex integrates three components: residential and commercial spaces alongside a business center.

The development is meticulously crafted to cater to daily needs, with attention given to every detail. Amenities such as a swimming pool, gym, dining facilities, shops, shared workspaces, and a private courtyard featuring a sports field and children’s play area will foster a conducive environment for daily life, work, and leisure.

Collective spaces, courtyards, plazas, and verdant terraces within the complex span an area of 3000 sq. m.

The project enjoys a strategic location at the junction of four Saburtalo streets—Kavtaradze, Sandro Euli, Politkovskaya, and University—facilitating access to public transport, with the nearest metro station just 150 meters away.

Distinguished by practical design and energy efficiency, the project prioritizes maximum comfort.

Construction is slated for completion in 2027.

“For us, „Simetria Jikia“ is a project conceived with people and the environment in mind. Given its functionality and locale, we believe „Simetria Jikia“  holds the greatest potential to shape this area into a vibrant community hub, offering all the essential facets for a fulfilling life, work, and leisure. We are delighted to collaborate on „Simetria Jikia“  with esteemed partners such as TBC Bank and Capitol Management. Through our combined resources, we aim to create an invaluable asset that brings symmetrical benefits to all stakeholders,” remarked Ucha Kartvelishvili, Director of Simetria.

“I am pleased that through the Simetria -TBC partnership, we are creating a project that will provide residents with a multifaceted, modern environment and impeccable living infrastructure. As the leading supporter of developers and the real estate sector, with a 41% market share, it is crucial for us to foster sectoral growth, especially amidst rising real estate demand,” shared Giorgi Darchiashvili, Director of Services for Large and Medium Corporate Clients at TBC.

Simetria has been a prominent figure in Georgia’s real estate scene for over a decade. Their portfolio includes several noteworthy ventures, such as the Holiday Inn Express Tbilisi Avlabari and Best Western Kutaisi—Kutaisi’s first branded hotel. Additionally, they’ve developed Gldani Mall shopping center and residential complexes like “Simetria Vake” and “Simetria Lisi”. Currently, they are nearing completion of the premium-class residential enclave “Simetria Park” in the Mtatsminda district.

Simetria’s mission is to be a trusted ally to real estate enthusiasts, crafting assets that yield symmetrical benefits for all involved.

• Introducing New Help Features in TBC Mobile Bank: 4 Ways to Simplify Your Daily Routine

Exciting new functionalities have been incorporated into TBC Mobile Bank, making it possible to update your banking package and salary card directly through the application. These features are designed to streamline daily life and deliver the ultimate customer experience in the market.

1. Apply for a Card from Home

If you’re not yet a Mobile Bank user, becoming one is now easier than ever. Simply download the app, register, and subscribe to the card package of your choice. Your new card will be delivered to your preferred address or branch—all within a quick 2-minute process.

2. Never Lose Access to Your Card

It’s common to forget about expiring cards or misplace them, only to discover they’ve been blocked. With Mobile Bank, you can easily update your card. Navigate to your card list on the main page, select the card you wish to update, and click on “Update Card” in the auxiliary menu. Customize your card type, color, and delivery address hassle-free

3. Effortlessly Manage Your Cards

Mobile Bank’s assistance buttons prove invaluable in various scenarios. Whether you’re making an online purchase and need your card details (accessible via the “Card Details” button) or you’ve misplaced your card and want to block it to prevent unauthorized use (achieved with the “Block” button), Mobile Bank simplifies these tasks. Forgot your card’s PIN? No worries—you can update it with a simple three-finger click using the “Restore PIN Code” button, found under your selected card on the main page.

4. Transaction Splitting

Exclusive to TBC Mobile Bank, transaction splitting allows you to divide payments over several months—a unique offering in the Georgian market. By selecting a transaction and activating the “Return Transaction” button, you can easily split the payment over four months, with a 1% monthly interest rate. This feature enables you to spread payments for transactions made within the last two weeks (at both partner and non-partner stores), simplifying budget management.

Subscribe to TBC Mobile Bank today and experience the convenience of simplified everyday banking.

• The upcoming international design festival, supported by TBC, is set to take place on May 1

Organized by AD BLACK SEA, this festival will encompass various design disciplines including graphic design, UX/UI, illustrations, and more. Tickets can be purchased and the program can be explored on the festival’s website at https://adblacksea.com/attend/agenda.

When purchasing a ticket using a TBC Debit Visa card, users will receive an instant 20% cashback on the amount paid.

The festival will feature a lineup of engaging activities such as lectures, seminars, panel discussions, and workshops led by prominent local and international designers and illustrators. Attendees will have the opportunity to gain insights into industry trends and participate in seminars by top specialists from around the globe. The festival’s distinguished guest will be Austrian designer Stefan Sagmeister, known for his work on iconic projects like the Rolling Stones album cover, HBO, Guggenheim Museum, and more.

A notable panel discussion at the festival will be moderated by Gigi Janelidze, the leader of design and UX direction at TBC, who will share TBC Group’s design experience. The discussion will delve into the role of design in business strategy, its importance in fostering innovation, and the creation of human-centered products.

Joining the panel discussion will be Givi Dautashvili (TBS Insurance), Irakli Simonishvili (TBS Uzbekistan/Space int), Lako Zhazhanidze (Tineti), and Tako Loria (TBS Uzbekistan/Space Int).