• Get ready for the new academic year with TBC

With the beginning of the new academic year, TBC has prepared special offers for its customers.

During the TBC Back 2 School week, from September 2 to 9, in selected facilities, up to 50% of the amount can be instantly returned when paying with a TBC card.

During the week, customers will be able to buy books, stationery, clothes, accessories and all other necessary things.

On September 6-7, when paying with any TBC card, the offer will be valid in the following locations: Bata, Bambino, Scarpiera, Aw lab, Okaidi, Jakadi, Factory, Levis, Lee/Wrangler, Jack and Jones, Stradivarus, Pull and Bear, Bershka, Mango, Kiko Milano, OVS / OVS kids.

In addition, pupil and student card holders will enjoy offers at Biblus, Miniso, Orgservice, Giggles, Sulakauri Publishing House, Reckless, Diogenes and Extra.ge.

Get to know the dates of the offers and additional conditions.

• Experience the Chateau Buera Vintage Festival with TBC’s Support

On September 22, with the backing of TBC, Lopota Spa Resort’s Chateau Buera will host a vibrant vintage festival. The event will feature an array of entertainment and educational activities, culminating in a live performance by Niaz Diasamidze and 33A.

The Lopota Harvest Festival program includes:

– Grape picking in the Chateau Buera vineyards

– Grape pressing using traditional presses near the chateau

– Wine tasting sessions

– Sampling Georgian cuisine on the chateau’s meadow

– Engaging master classes

– A concert by Niaz Diasamidze and 33A under the open sky in front of Chateau Buera

TBC concept customers will enjoy a 15% discount on Lopota room bookings on September 22, the day of the vintage festival. The discount also applies to bookings made for the weekend of September 21-22.

• TBC to Support AD BLACK SEA 2024 in Batumi

With TBC’s backing, the AD BLACK SEA 2024 international creative industry festival will take place in Batumi from September 12-14. Attendees interested in marketing and the creative industry will have the chance to join seminars and workshops led by both international and local speakers, explore the latest industry trends, deepen their professional knowledge, and connect with top experts.

TBC has been a partner of AD BLACK SEA since its inception in 2015, underscoring its commitment to the growth of the creative industry. This marks the eighth year the festival is being held in Batumi, bringing together representatives from Europe and Asia to share their expertise.

The festival will conclude with an awards ceremony, where a distinguished international jury will select winners across various categories. The competition draws participation from Georgian and international agencies worldwide.

For more details, visit the official festival website .

• TBC Shares Its Tech Expertise with Leading Foreign Companies

TBC recently hosted a technical meeting in its multifunctional TBC concept space, facilitated by the international distribution company Bakotech. During the session, TBC shared its expertise in technology processes and procedures with companies such as ABB, Kapital Bank, Uni Bank from Azerbaijan, and Bakotech.

The meeting was led by Yuri Semenikhin, TBC’s Deputy Director of Information Management, who focused on visibility and monitoring within decentralized organizational structures. Attendees from various companies were introduced to TBC’s established standards and processes, gaining valuable practical insights applicable to their work.

“As a leading tech company in the region, it’s vital for us to share knowledge with other organizations. This not only allows us to reflect on our own journey and identify areas for improvement but also contributes to the enrichment of the broader tech market,” said Yuri Semenikhin, Director of Information Management at TBC.

TBC remains committed to strengthening the tech community by fostering knowledge exchange and driving innovation.

• TBC Mobilebank Wins 3 Prestigious Awards from Global Business and Finance Magazine

The renowned international business publication, Global Business and Finance Magazine, has announced its annual awards for 2024. TBC received special recognition in three categories, both nationally and regionally:

– Best Digital Bank in Georgia

– Best Digital Banking Brand of the Year in Georgia

– Most Innovative Digital Bank in Georgia

As a leading technology company, TBC prioritizes the development and enhancement of its digital services. The recognition in these three categories highlights the success of TBC’s initiatives in this area.

Global Business and Finance Magazine is known for regularly recognizing top-performing banks and financial service providers. For the global financial community, their awards are a trusted and objective standard for evaluating banking excellence.

• Discover Analysts’ Optimistic and Pessimistic Projections on the TBC MobileBank Investment Platform

The new feature on the TBC MobileBank investment platform simplifies your investment decision-making process. You can now explore both optimistic and pessimistic evaluations and forecasts from analysts on stocks that interest you, helping you better assess potential risks and opportunities.

This information is compiled by TipRanks, an information technology company partnered with TBC MobileBank’s investment platform, using estimates from Wall Street analysts. You have the chance to review these evaluations in their original, unaltered form.

Don’t wait—invest today: https://app.tbcbank.ge/YiId/i16xbomm

• TBC Supports the Ongoing Application Process for Women Entrepreneurs’ Expo and Sale Until August 31

Applications are open until August 31 for participation in the large-scale exhibition and sale for women entrepreneurs, organized by UN Women Georgia. This year marks the fourth edition of the event at the “Expo Georgia” exhibition center, initiated by the United Nations Women’s Organization.

Scheduled for November 22-23, the two-day event will feature women entrepreneurs from across Georgia, showcasing a variety of products, including food and wine, gifts and accessories, personal care items, handicrafts, toys, furniture, decor, and more. Attendees will have the opportunity to purchase these products on-site. Additionally, a dedicated section of the exhibition space will spotlight technology startups founded by women.

The primary goal of the exhibition and sale is to advance women’s entrepreneurship in Georgia. It aims to help women entrepreneurs gain market access, forge valuable business connections, and develop new partnerships. Participants will have the chance to enhance their business skills, undergo a mentoring program, receive guidance on preparing and submitting investment proposals, and network with other women entrepreneurs from 13 countries across Europe and Asia. They will also be invited to participate in the Expo Capital Quest, a meeting with investors scheduled for the spring of 2025.

This event is organized by the United Nations Women’s Organization and supported by the European Bank for Reconstruction and Development (EBRD), TBC, “Expo Georgia,” the University of Business and Technology, the Georgian Chamber of Commerce and Industry, and other partners.

To participate, complete the application form available at the following link: https://shorturl.at/jpqTC

• Discover TBC’s Tailored Offers for Agro-Entrepreneurs

For years, TBC has actively participated in nearly all state projects, enabling the bank’s experts to offer TBC borrowers the most suitable credit options and optimal conditions.

The “Concessional Agrocredit” program, overseen by the Rural Development Agency of the Ministry of Environment and Agriculture, is designed to support the production, processing, and storage-sale processes in agriculture by providing affordable and accessible financing. This preferential agrocredit is available for creating new agricultural enterprises, expanding existing ones, cultivating new perennial crops, and acquiring agricultural machinery. It also supports high-yield cattle farming and timber production.

Shota Gongladze, head of the state project management team at TBC Bank, highlights TBC’s unique startup approach as a key differentiator in agro-management. “TBC is the only bank offering startup agro loans across almost all agribusiness sectors. Our individual approach is unparalleled in the Georgian banking sector, as we do not rely on existing income to determine the loan amount needed for project financing,” says Gongladze. For those looking to venture into agribusiness, TBC offers loans with long-term grace periods, considering the projected future income of the financed project. This startup approach extends to various areas, including perennial crop cultivation, processing, and establishing high-productivity breeding farms. Even agro-tourism is supported under this initiative. Launched in the fall of 2016, TBC’s startup approach has since led to over 120 million GEL in investments.

The Business Universal Program enables businesses to finance both fixed and working capital while benefiting from state co-financing on loan interest. This program supports the creation of new enterprises, the expansion of existing ones, capital expenditures for production, and the refinancing of loans granted under the program.

The credit-guarantee mechanism, like Business Universal, is managed by the “Enterprise Georgia” agency. Its aim is to enhance access to business loans for beneficiaries lacking sufficient collateral. Through this program, a credit guarantee covers up to 80% of the principal loan amount provided by commercial banks or microfinance organizations. At least 80% of the loan must be used for capital expenditures, with the remaining 20% allocated for working capital. The program is available to beneficiaries with annual sales not exceeding 20,000,000 GEL, and the maximum credit guarantee term is 10 years.

In addition to these programs, TBC collaborates extensively with various donor organizations. Through a partnership with the European Bank for Reconstruction and Development (EBRD), TBC offers business loans for fixed asset financing, with 10% to 15% of the total loan amount refunded to the borrower upon successful project verification. The project’s goal is to encourage the adoption of EU trade standards across various sectors, including agriculture and animal husbandry.

TBC’s active collaboration with donors is another key strength. The bank is involved in the DFC (US International Development Finance Corporation) guarantee program, as well as financial support and guarantee programs from the EIB (European Investment Bank) and SIDA (Swedish International Development Cooperation Agency), which focus on startups, green finance, regional businesses, and women in business. TBC is committed to advancing these crucial areas.

The advantage of partnering with TBC, whether as an individual or a business, is the ability to participate simultaneously in multiple programs covering a broad range of activities. Depending on the loan’s purpose, TBC offers borrowers the opportunity to combine participation in several programs tailored to the project being financed, creating a truly unique offer in terms of loan conditions and benefits.