The Power of Belief: TBC’s New Manifesto

“The main thing is to believe” — this is TBC’s new brand manifesto and guiding motto. It expresses a simple yet powerful idea: belief in oneself can turn the impossible into reality. With belief, every obstacle becomes surmountable, and every challenge can be transformed into a success story. If you truly believe, there’s nothing you can’t achieve.

This message perfectly encapsulates TBC’s journey of growth over the past 33 years. It reflects the values that have consistently guided the company through every critical stage of its development and continue to shape its path into the future.

TBC’s philosophy is rooted in this principle: what may seem impossible at first often turns out to be achievable. This belief has become the foundation of the team’s confidence and motivation — fueling a new chapter of progress, storytelling, and inspiration through the example of TBC’s own success.

“TBC, as a brand, was born and grew alongside independent Georgia. We’ve gone through many stages of development together. Belief in ourselves and our goals has always been our strongest driving force. On this journey, we transformed challenges into opportunities, expanded, digitized, and reached beyond Georgia’s borders. We believed in what once seemed impossible — and time and again, we’ve proven that with belief, confidence, and determination, together we can achieve the extraordinary. The main thing is to believe,”
— Vakhtang Butskhrikidze, General Director of TBC

“Serval” – Building the Future of Football in Kutaisi with the Support of TBC Business

Football unites players and fans alike, placing everyone on the same field of passion and emotion. As the twelfth player, each supporter feels the highs and lows of the game. But behind every goal, victory, or loss lies rigorous training, discipline, and years of dedication—values instilled from a young age.

This is the spirit of “Serval,” a Kutaisi-based football club founded to guide young talents in turning their love for the game into a professional pursuit.

The story began in 2022 when four former professional footballers—Giorgi Guruli, Temur Khaburdzania, Beka Chkhetiani, and Tamaz Babunashvili—joined forces to launch the club.

“All four of us played professionally, in the top and first leagues,” says Tamaz Babunashvili. “One day, we felt the urge to teach kids—not just how to play football, but to offer them everything we didn’t have growing up. That’s how our idea was born: to pass on our experience, knowledge, and passion.”

In its early days, Serval focused on sharing experience and building a foundation for youth development. But as ambitions grew, so did the need for resources and infrastructure.

“That’s when TBC Business stepped in,” Tamaz explains. “With their support, we were able to purchase 15,000 square meters of land—a critical step in Serval’s growth.”

Today, with licensed coaches and a dedicated training environment, Serval is nurturing the next generation of footballers. Young players are not only learning the skills of the sport but also gaining the discipline and mindset needed to succeed—on and off the field.

Celebrating a Legend: TBC Concept Supports Book and Vinyl Release Honoring Nani Bregvadze

With the support of TBC Concept, a special edition vinyl and a book dedicated to the life and artistry of the legendary Nani Bregvadze have been published.

TBC Concept continues to support initiatives that revive, preserve, and reintroduce Georgia’s rich cultural heritage to a broader audience in innovative and accessible formats.

Nani Bregvadze began her stage career in 1956. Her exceptional vocal timbre, refined taste, distinctive phrasing, and deep sense of musical dramaturgy and dynamics have ensured her lasting resonance across generations. Her artistry continues to inspire young performers today.

She is the artist who elevated Georgian pop songs and romances to the status of classical music—just as Edith Piaf did for French chanson, Ella Fitzgerald for jazz, Barbra Streisand for musicals, Astor Piazzolla for the Argentine tango, and Cesária Évora for Portuguese fado.

The influence of Nani Bregvadze has set a high standard in Georgian vocal music, becoming an inseparable part of the nation’s musical identity. The newly released vinyl features 25 carefully selected tracks spanning her career from 1957 to 2024.

The accompanying book offers an intimate look into Nani’s life and work, combining rare archival materials with personal letters and reflections from prominent figures such as Jansug Kakhidze, Revaz Laghidze, Giorgi Tsabadze, Nikoloz Rachveli, Eldar Shengelaia, Moris Potskhishvili, Cecilia Takaishvili, Chabua Amirejibi, Bella Akhmadulina, and Charles Aznavour.

In Nani’s own words:
“For years now, I’ve been performing my entire repertoire differently. I don’t enjoy studio recordings—they lack the energy that only a live audience can give. The audience inspires me. Even today, I step in front of them with a hint of nervousness. That unique connection creates a special atmosphere. Perhaps that’s why I decided to write this book—to continue my dialogue with the audience in a new way, as I no longer perform in concert as often.”

• Creative Director of the Book: Andro Vekua
• Graphic Designers: Dan Zolbach, Lidka Vale
• Project Author: Gogiko Sakvarelidze

 

Relax & Recharge: TBC Concept 1+1 Offer at Tsinandali Estate

TBC Concept continues to delight its valued customers with tailored offers that promote relaxation and healthy living. This May, a special getaway awaits at the Radisson Collection Hotel, located in the beautiful Tsinandali Estate.

From May 1 to May 31, Concept clients who pay with a TBC Concept Mastercard debit card will receive a complimentary night or an additional room with their booking. The offer is valid for both new and existing Mastercard debit cards.

To make your May escape even more enriching, Tsinandali Estate will host Ayurveda practices with Salome Khelashvili. Meanwhile, children can enjoy a range of engaging and fun activities in celebration of International Children’s Day.

Offer Details:

• Valid for bookings made from May 1 to May 31
• Payment must be made using a TBC POS terminal

Enjoy your May holidays! To reserve your stay, please contact your Concept Assistant.

Technologies and Innovations – Global Tech Weekend Tbilisi 2025 – Supported by TBC

On June 20-21-22, Tbilisi will host the largest technology event in the region – Global Tech Weekend Tbilisi 2025, which will unite Georgian and foreign guests in the field of technology around such directions as:

Artificial Intelligence (AI), FinTech, Gaming, WEB3, AgriTech, Media, Digital Marketing, CyberSport (E-Sport) and others.

The event partners are: TBC, GITA | StartUp in Georgia, Adjara Group, ATARI, Totally Human, Game Nations.

Leading Georgian and foreign tech professionals will gather in the Georgian capital for the weekend of ideas and innovations.

Radio City | Guests arriving at District 4 will be greeted by the main stage, startup exhibition and competition, indoor small and outdoor stages, co-working and media spaces, chillout and sports zones, 3 bars, technology and SME expo, art installations and more.

Participants will have the opportunity to meet representatives of global brands, international media, influencers in closed investor lounges.

The main conference of Global Tech Weekend Tbilisi 2025 called – “Shaping the New Era” will be held on June 21 at Radio City | District 4 and will bring together more than 3,000 guests, more than 100 partner companies and 80 speakers.

Speakers will include:

• Jessica Tams – Director of the Atari Management Team, Venture Partner at Griffin Gaming;
• Ruben Veiga – Community Manager for Roblox in Europe;
• Maxime Paradis – Founder of Paradis Club
• Israel Pons – Co-Founder of PITCH to the WORLD;
• John Nee – Former Head of Marvel Publishing // Former Vice President of DC Comics;
• JP Isham – Member of the Advisory Board of Gala-Games, Film and Music, Managing Director of Alchemist investment fund;
• Dmitri M. Johnson – Founding Partner and Producer of Story Kitchen;
• More speakers/partners TBA

Global Tech Weekend Tbilisi 2025 is open to anyone interested in technology and related digital fields and wants to hear from and meet leading industry professionals. To purchase tickets, please use the link

For more information about the startup competition, exhibition, volunteer engagement and other details of the event, please visit the Global Tech Weekend Tbilisi website.

The main mission of Global Tech Weekend Tbilisi 2025 is to unite the best tech professionals in the region and create a movement within which leading technology companies and people from the Caucasus and Central Asia will have the opportunity to get to know each other and discover new opportunities together.

Bang & Olufsen Opens First Regional Showroom in Tbilisi with Support from TBC Partner ASBC Georgia

The premium audio brand Bang & Olufsen has opened its first showroom in the region, located in Galleria Tbilisi. The 70 sq.m. space was launched by ASBC Georgia, a partner of TBC, and offers visitors an immersive experience with the iconic Danish brand and its exclusive products—some of which are rare not only in Georgia but globally.

With over a century of history, Bang & Olufsen is renowned for seamlessly blending sound, design, and technology. The brand’s offerings include a wide range of high-end products such as speakers, soundbars, Wi-Fi/Bluetooth audio devices, headphones, televisions, and smart home-compatible solutions. Its minimalist Scandinavian design philosophy also allows for extensive customization.

The new showroom in Tbilisi reflects Bang & Olufsen’s global retail concept, providing customers with a hands-on experience, personalized consultations, and concierge-level service.

Operating successfully in around 40 countries, Bang & Olufsen now sets its sights on regional growth, beginning with its Georgian launch.

TBC, Georgia’s leading business bank, actively finances the consumer durables production and trade sectors and is a major financial supporter of top market players. By facilitating Bang & Olufsen’s market entry, TBC continues to champion innovation and high-end technology, setting a new standard in the sector.

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TBC Supports Georgia’s First National AI Olympiad and Student Participation in Global Competition

With the support of TBC and the initiative of the Georgian Association for Artificial Intelligence (GAIA), the first round of the Georgian National AI Olympiad successfully took place. The Olympiad aims to identify and train a national student team that will represent Georgia for the first time at the International Olympiad in Artificial Intelligence (IOAI) in 2025.

Held on April 27, the first round brought together around 100 students from grades IX–XII across Georgia. The top 30 participants will move on to the final round, scheduled for the end of May. Based on those results, a four-member national team will be selected to compete in the IOAI in Beijing, taking place from August 2–9.

The IOAI, launched in 2024, is a prestigious global competition that unites high school students with an interest in artificial intelligence and data science. With participants from over 60 countries, it has quickly become a cornerstone of the World Student Olympiads ecosystem.

The Georgian National AI Olympiad plays a crucial role in advancing the country’s AI and tech landscape, helping to integrate Georgia into the global innovation community. It provides young participants with valuable experience, practical knowledge, and connections with industry leaders. As part of their preparation, students have access to the Olympiad training course developed by GAIA with the support of TBC.

TBC is the primary supporter of the Olympiad training course, the national selection process, and Georgia’s participation in the IOAI. In collaboration with GAIA, data science professionals from TBC serve as mentors, offering guidance and expertise to help students prepare for international competition.

This initiative is also supported by the Georgian Innovation and Technology Agency.

TBC and ADB Launch First-of-Its-Kind Co-Financing Initiative for Georgia and Uzbekistan

On May 5, in Milan, during the 58th Annual Meeting of the Asian Development Bank (ADB), TBC, TBC Capital, and ADB signed a landmark Memorandum of Understanding (MoU). The agreement establishes a framework for strategic cooperation, focusing on identifying and executing co-financing opportunities in Georgia and Uzbekistan.

This framework represents the first co-financing agreement of its kind initiated by ADB. Georgia and Uzbekistan will serve as pilot countries, with plans to expand the model to other regions following its successful implementation. The MoU aims to improve access to finance and deepen collaboration between ADB and TBC.

Between 2025 and 2028, ADB plans to allocate up to USD 150 million to finance key strategic projects. An additional USD 150 million is expected to be mobilized with the support of TBC and TBC Capital, through direct lending and bond issuance.

Under this agreement, TBC will offer its corporate clients improved access to financing. TBC will be responsible for the pre-selection and processing of eligible projects, significantly streamlining the lending process. Lowering the minimum loan threshold will also enable a broader range of companies to benefit from ADB funding.

TBC Capital—Georgia’s leading investment banking, brokerage, and research firm—will play a key role in developing domestic and regional capital markets. It will facilitate ADB’s entry into the bond market as an investor, thereby providing issuers with more efficient access to financing from international financial institutions.

The partnership is designed to support both small-scale and large-scale strategic initiatives. With TBC Capital’s support, more issuers will gain the opportunity to collaborate with ADB and issue bonds, enhancing market liquidity and expanding alternative financing sources.

ADB and TBC are committed to funding projects with strong environmental, climate, and social impacts. Priority sectors currently under consideration include renewable energy, transport, logistics, and manufacturing.

TBC Agribusiness Success Story: How Juno Chiburdanidze Turned a Family Tradition into a Thriving Sheep Farm

For over 40 years, Juno Chiburdanidze’s days have started before sunrise—especially in summer, when he’s up by 5 a.m. First come the lambs, needing careful feeding; then the adult sheep are taken to pasture before the heat sets in. By midday, the flock rests—grazing stops in the sun.

Sheep farming runs deep in Juno’s family. After completing his studies, he returned to Akhalsopeli to continue the family trade. The turning point came 15 years ago when, with the help of a TBC agrocredit, the Chiburdanidzes expanded—building a modern farm, hiring shepherds, and growing their flock to 3,000 Tushuri sheep.

“Farming doesn’t forgive laziness or poor planning,” says Juno. “TBC not only helped us grow but also allowed us to employ at least ten people.”

Despite Georgia’s ancient sheep-breeding heritage—echoed even in the legend of the Golden Fleece—lamb meat is still far from being a local staple. Juno sells up to 1,500 sheep annually, mainly to buyers from the Gulf region and Iran.

“We sell 4-5 month old rams. They feed on mountain pasture year-round, which makes their meat highly valued,” he explains.

But challenges remain. With no infrastructure to process wool, much of it is discarded—despite wool being a sustainable material globally used for clothing, insulation, and packaging.

Lamb’s low popularity in Georgia is also linked to its distinctive smell. According to Juno, proper care and pasture rotation prevent this issue.

In summer, the flock moves to rented fields in Ninotsminda, near the Turkish border. The journey is tough on young lambs, so many are transported by car. Juno’s deep knowledge is evident:

“I just look at a sheep and know what’s wrong.”

Globally, lamb is the 4th most consumed meat. Countries like Australia and New Zealand earn billions from sheep exports and invest in advanced tech, including GPS tracking and health monitoring.

At Chiburdanidze’s farm, everything is still managed by eye and experience—but with TBC’s support, even digital sheep profiles might not be far off.

Relax and Save: TBC Concept’s Exclusive May Vacation Offers

This May, TBC Concept presents a selection of special vacation offers exclusively for its customers. Enjoy relaxing getaways at handpicked hotels across Georgia, all with unique discounts available throughout the month.

Participating Hotels and Discounts:

• Hotel Bodbe, Sighnaghi – Enjoy a 30% discount on your stay.
• Boutique Hotel Kviria – Receive a 20% discount when booking.
• Holiday Inn Telavi – TBC Concept customers are eligible for a 20% discount.
• Hotel Kvareli Lake – Relax with a generous 30% discount.

These offers are available to all TBC Concept cardholders during May. To learn more about the hotels or to make a reservation, please contact your Concept Assistant.

Additionally, don’t miss the 1+1 offer at Tsinandali Manor – Radisson Collection: when paying with a TBC Concept Mastercard debit card, you’ll receive an extra room or night as a gift.

Explore all TBC Concept’s vacation offers for May at this link.

TBC Makes Consumer Loans Effortless for the Self-Employed

TBC continues to support self-employed individuals by making it even easier to access consumer loans. Now, they can receive a loan in just two minutes—directly through the Mobile Bank and without the need for any additional documentation.

Self-employed individuals include anyone whose income is regularly credited to TBC from any source. This encompasses freelancers, artists, tutors, nannies, tailors, drivers, craftsmen, and professionals from a wide range of fields.

To be eligible for a loan tailored to their needs, self-employed customers must have TBC account deposits recorded monthly over the past six months. Loan approval also considers the applicant’s income and TBC’s lending policies.

There are no restrictions on how the loan can be used. Whether for home renovation, buying furniture, travel, purchasing a car, or consolidating existing loans—self-employed individuals can choose what matters most to them.

Full details and terms of the self-employed consumer loan are available at the provided link.

TBC’s mission is to simplify everyday life. That’s why it continuously creates and improves products and services that help customers navigate daily challenges more easily.

TBC Payments Enhances Digital Platform with Advanced Customer Analytics

TBC Payments has introduced a powerful new analytics feature on its digital platform for business users—the Payments Space. This functionality enables companies to gain deeper insights into customer behavior and monitor sales trends from multiple perspectives.

With this update, businesses can now answer essential questions such as:

• Who are their customers?
• Which segments are the most active?
• Which sales channels are driving growth?
• Where might untapped opportunities lie?

The newly added analytics module aggregates key data points, empowering businesses to run more effective direct marketing campaigns, optimize their product and channel strategies, and allocate resources more efficiently for growth.

Key Features of the Analytics Module:

• Customer segmentation by gender, age, region, and payment channels
• Identification of high-activity segments for focused targeting
• Month-over-month comparison of sales and customer behavior
• Company-wide and branch-level analytics for flexible insights
• Customer interest analysis, showing which categories customers spend in most—ideal for campaign planning and segment management

For more details, visit tbcpayments.ge.

The Payments Space brings together all essential tools in one user-friendly interface, ensuring fast and convenient access to the data businesses need for effective payment and customer management. The platform is tailored to meet the needs of corporate clients, individual entrepreneurs, and small to medium-sized enterprises

TBC Business Education Program: Registration Opens for May Trainings

As part of the TBC Business Education Program, registration is now open for the May training sessions.

With the support of TBC Business, five thematic training events will take place throughout May. Business representatives will have the opportunity to gain valuable insights from professional trainers on key business topics and apply this knowledge to support the growth of their companies.

May Training Schedule:

• May 16 (Online): Strategic Management
  Led by business consultant Miranda Manjgaladze, this session will explore essential strategies for managing and growing a business effectively.
• May 20 & 23 (Online): SEO and AI in Digital Marketing
  Digital marketing expert Aleksandre Chomakhidze will cover the integration of artificial intelligence in SEO and its role in enhancing digital marketing effectiveness.
• May 22 (In-Person): Business Path to Sustainability – Create a Green Future
  Hosted by international consulting company Develor, this session will focus on ESG (Environmental, Social, and Governance) topics. Discussions will include green financing, the benefits of sustainable business practices, and the challenges of implementing green initiatives.
• May 22 (Online): Taxation in Georgia: Principles and Practice
  Trainer Davit Papiashvili will explain the fundamental principles of tax obligations in Georgia and provide practical examples of their calculation.
• May 27–28 (Online): Negotiation Strategies with Retail Chains
  Business consultant Ia Nadirashvili will lead this training, offering practical guidance on effective negotiation tactics when dealing with retail partners.

Participation in the TBC Business Education Program is open to TBC business clients through pre-registration at the following link: Business Education. Detailed information about each course is also available on the website.

Attendance is free of charge. In addition to supporting business education, the program aims to equip participants with the latest, most relevant insights to help drive business success.