TBC Introduces a New Feature: Easily Add and Split Shared Expenses in Mobile Banking
TBC Mobile Banking is bringing you another important update — a brand-new Shared Expenses feature designed to make your daily life even simpler.
From now on, you no longer need to send receipts back and forth, manually calculate amounts, or waste time figuring out who owes what. And the familiar phrase “send me your account details” becomes a thing of the past.
With the new Shared Expenses space in the TBC Mobile Bank, you can create a group, invite friends, and instantly add, split, and settle shared costs right inside the app. The feature is reusable for any situation.
Whether it’s travel expenses, transportation, nights out at bars and restaurants, or anything else that’s part of your everyday life — all of it can now be organized seamlessly through TBC Mobile Banking’s Shared Expenses.
You can try the new feature directly from the product page in TBC Mobile Banking.
Here is a polished English version with refined grammar, style, and a TBC-focused tone. I’ve also created a relevant title that fits the message and highlights TBC
Don’t Abandon Your Wishes — Fulfill Them with TBC Installments
Have you ever noticed that the thoughts bothering us most are often the ones we never say out loud?
The words we didn’t speak. The streets we didn’t explore. The beautiful clothes we didn’t wear.
And, most of all—the wishes we never granted ourselves.
Think of all the times you’ve stood in the fitting room of your favorite store after spending hours searching for that one perfect piece… only to walk away without buying it. Maybe you didn’t have enough money at the moment, or perhaps you had a long list of things to buy for your child and decided that treating yourself simply didn’t fit into your “reasonable spending” for the month.
Now imagine how many of these abandoned items have piled up in your memory—pieces that resurface weeks or months later in completely unexpected moments. A pair of women’s shoes forgotten in the children’s section. A men’s blazer left behind among women’s clothing. And countless other desires that were surprisingly hard to let go of.
How many times have you thought that your day would have started differently if you’d bought that coffee machine?
Or right before a night out, how often have you felt that this was the exact moment you should have worn that dress—the one that would have made your evening unforgettable?
Those words—“Maybe I should’ve bought it?”—come back again and again, because deep down you know:
you would have felt different in that dress, that blazer, that shirt, that new perfume, that perfect lipstick…
That’s exactly why TBC Installments is here to become your new favorite shopping partner.
If buying something used to feel like a difficult decision, and shopping often meant saying “no” to yourself, TBC Installments helps you find the perfect solution—even in the most emotional moments.
With TBC Installments, you no longer need to wonder how flawless your look would’ve been if only you had bought that blazer, or what new adventures awaited with those new skis.
Today, when you reach the checkout, you can finally get the item that has been on your mind for months—without any guilt—and simply split the cost evenly over 4 months.
With an effective 0%, you pay exactly the price of the item, with no additional fees or commissions.
Don’t give up on the things you want—use TBC Installments.
That’s why TBC Installments has become one of customers’ most loved products: because you no longer have to part with the things you truly want. With installments, you finally get to fulfill your wishes—simply, effortlessly, and almost magically.
Join TBC’s December Marathon: Play, Earn, and Win Up to 50,000 GEL in Mobile Banking
Stay tuned and discover how someone won 50,000 GEL on TBC Mobile Bank.
Starting in December, TBC Mobile Bank is launching an exciting — and most importantly, rewarding — new campaign.
Join the December Marathon, complete daily missions, collect coins, and win cash prizes. Each week, the participant with the most coins will receive 10,000 GEL.
To collect coins, simply use TBC Mobile Bank’s financial services — for example, transfer money to your own account, invite a friend, and more.
Your main mission for earning coins is the daily “click game.” Every day, a 10-second session will open inside Mobile Bank: 1 click = 1 coin. The more clicks you manage within the time limit, the more coins you earn.
Additionally, every 1,000,000th coin wins an instant cash prize.
And the biggest reward: the participant who collects the most coins throughout the entire marathon will win the grand prize — 50,000 GEL.
If you join the marathon before it begins, in “waiting mode,” you will receive an extra 500 coins as a gift.
Believe in your luck — you might be the next winner of TBC’s December Marathon.
Curious and competitive?
See you in TBC Mobile Bank!
TBC Capital Unveils New FMCG Sector Study for 2025
TBC Capital has summarized the 2025 outlook for Georgia’s food and household goods retail sector (FMCG) and, as tradition, presented a new research report to its partners.
Alongside an overview of local trends, guests had the opportunity to hear European insights from a special speaker — Adam Manikowski, Executive Director for Poland at Żabka, the country’s largest grocery retail chain.
Żabka has operated successfully on the European market for 27 years. Over this period, its network has expanded from just seven stores to more than 12,200. In 2024, the company was listed on the Warsaw Stock Exchange with a market capitalization of USD 5.6 billion. Żabka has also moved beyond Poland’s borders and is rapidly establishing its presence in Romania.
Given the size and growth dynamics of the Georgian FMCG market, Żabka’s experience holds particular value. Food and household retail is a significant contributor to Georgia’s economy: as of 2024, the sector accounts for 15.4% of GDP and employs around 225,000 people nationwide.
According to TBC Capital’s research, the FMCG sector grew almost 10% in 2025 — faster than anticipated. TBC Capital forecasts the market size to reach GEL 24.2 billion on an annual basis. Currently, 87% of the FMCG market is concentrated among five major players: Daily Group, Ori Nabiji, Nikora, Carrefour, and Agrohub.
The study also shows that 45% of household consumer spending in Georgia goes toward food and other essential goods, with price sensitivity remaining the key factor for shoppers.
TBC Capital expects FMCG sector growth to stabilize in the coming years. Despite declining spending from migrants, rising salaries, growing tourism revenue, and higher turnover in the restaurant industry are all projected to support sector expansion.
The FMCG conference featured presentations and a panel discussion. Under the theme “The Architecture of Growth in the FMCG Industry,” representatives of TBC and leading market players shared their views. Thierry Joulain, Chief Operating Officer for the International Zone at Majid Al Futtaim — Carrefour’s exclusive representative in the region — also took part in the panel.
TBC Highlights Freelance Excellence: Meet Giga Metreveli, Finalist for “Best Freelancer” at the TBC Business Awards
Giga Metreveli – Finalist for the TBC Business Awards “Best Freelancer” Nomination
Today, when companies strive to transcend geography and assemble their ideal teams from anywhere in the world, recruitment has become even more crucial, and growth consulting has grown increasingly in demand.
At the beginning of the pandemic, market conditions pushed Giga Metreveli—who holds a degree in international law—to fully commit to freelancing. By then, he already had significant experience working within European and American startup ecosystems.
“The main reason I made this decision was flexibility. I didn’t want to be tied to a single product and stay in one place for 10–15 years. Freelancing gives you the chance to work with diverse business models, products, and strategies, collaborate with different investors and founders, and make a real impact on the direction of a business,” Giga explains. Over the past 10 years, he has helped more than 30 startups grow and evolve.
The first thing he identifies when working with a new startup is the core problem the company is trying to solve. Equally important are the founders and the team behind the startup.
“A founder must have the key ability to understand what kind of people they need at each stage of the journey and bring them into the process. If they can’t do this, it’s doubtful the startup will succeed. A founder must also be able to say ‘no’ and avoid compromising too easily,” says Giga.
A person who has worked with Uberall, Gorillas, Revolut, Trade Republic, Solarisbank, Yilu, and Gigs— and who once recruited 15,000 candidates for a single company in just 18 months—has certainly earned the right to speak on the topic. As a growth consultant, his main mission is to help startups shape and execute their organizational design and growth strategy.
Despite his extensive professional background, participating in the TBC Business Awards was another valuable experience for him.
“TBC is taking many important steps to support technological development and startups. For me, participating in the Business Awards was, on one hand, an opportunity to connect with inspiring people, and on the other, a chance to raise awareness about the work I do,” says Giga, who became a finalist and took third place in the “Best Freelancer” category.
“Emotional intelligence plays a big role. A partner needs to feel that you’re one of their own. Partnerships with foreign investors or employers begin when you become part of a global network. That’s the foundation of collaboration. That’s why the main advice I always give my students is to become part of the global market—learn about different countries and cultures, and stay open-minded, especially in the early stages of their careers.”
This advice resonates perfectly with this year’s TBC Business Awards message: Success is on the way—just believe in it.
TBC Concept Presents the 26th Tbilisi International Film Festival
With the support of TBC Concept, the 26th Tbilisi International Film Festival will take place from December 1 to 7, organized by the Prometheus Center of Cinematography and hosted by Amirani Cinema.
This year, festival screens will showcase around forty international films and nearly thirty new Georgian productions. The program is divided into traditional sections:
• European Forum
• Made in Germany
• French Collection
• New Italian Cinema
• Georgian Panorama
The Georgian Panorama jury will select the year’s best Georgian films in four categories:
• Best Feature Film
• Best Documentary Feature
• Best Short Fiction
• Best Short Documentary
Under the auspices of the European Union, a special prize will be awarded for the Best Representation of Human Rights in Georgian Cinema, in both fiction and documentary categories.
A special highlight of the festival is the guest appearance of the New Italian Cinema Events program, presented with a dedicated lineup.
As tradition continues, TBC Concept proudly serves as the festival’s general partner.
View the full festival program
To purchase tickets, please visit the link below
New in TBC Mobile Bank: A Completely Redesigned Transfers Experience
TBC Mobile Bank continues to roll out updates at a fast pace. The refreshed application is now live, designed with one main goal in mind: to make access to all banking services even simpler for every user. Your everyday transfers are now easier, faster, and more intuitive than ever.
This isn’t just a visual change. The new Transfers page has been redesigned from the ground up to streamline your every action in Mobile Bank.
You can now easily find any account — from the list, via search, or from your saved contacts.
With the updated interface, you can:
- Make any type of transfer from one single page — between your own accounts, to other banks, or abroad;
- View your recent transfers and repeat them in seconds;
- Add frequently used accounts and create contact templates to complete transactions even faster.
In the updated app, the Templates section now appears as Contacts, allowing you to save multiple accounts under a single contact for quicker access.
The new Transfers page also gives you simplified access and greater control over your automatic transfers. You can add and manage scheduled payments directly from the same space — plan every payment day in advance.
Download the updated TBC Mobile Bank and enjoy a faster, smarter, and more intuitive transfer experience.
What’s Driving the Current FX Surplus — And How TBC Factors In
What’s Behind the FX Surplus?
For TBC Capital readers, it is already well known that this year the main factors supporting the Georgian lari include FX conversions, strong net foreign currency inflows, and the global weakness of the US dollar. While in recent weeks the US dollar’s position on international markets has remained relatively stable, the first two factors continue to work in favor of the lari.
Specifically, deposit “larization” (excluding non-residents) is, according to the latest data, likely to exceed its April 2024 peak by the end of November. From today’s standpoint, we can say that the conversion trend — which emerged at the start of the year and accelerated sharply from the second half of October — is now entering its final phase, although it is not yet fully completed.
The dynamics of deposit larization are closely linked to the NBG’s foreign exchange interventions. Notably, the recent intensification of larization in October and November was reflected in a renewed acceleration of interventions. According to our estimates, the NBG purchased a total of 2 billion USD between March and November.
At the same time, net FX inflows increased in October — another key factor boosting the supply of foreign currency. The rise in net FX inflows has been driven, on the one hand, by growth in exports, remittances, and — to a more modest extent — tourism revenues, and on the other hand, by a slowdown in imports. In this regard, we highlight the dynamics of the automotive trade: in the last two months, amid a sharp decline in imports, net car exports turned positive for the first time since 2013. This points to growing inventories of vehicles within the country.
Overall, although the improvement in net FX inflows over the past two months is temporary and largely due to automotive trade dynamics, it is worth noting that since the beginning of the year, net inflows — excluding re-exports of vehicles — have been rising at an even stronger pace.
Read the full publication at the following link.
TBC Capital and AmCham Georgia Wrap Up the Year With a Strategic Outlook Event
TBC Capital and the American Chamber of Commerce held their annual year-end event.
TBC Capital and the American Chamber of Commerce concluded the year with their traditional joint gathering. During the conference hosted for partners at TBC’s multifunctional space, participants also discussed economic expectations and challenges for 2026.
Changes in global trade regimes, the rapid evolution of artificial intelligence, and ongoing efforts to achieve peace worldwide are among the key factors currently shaping the global economy and pushing the private sector toward swift transformation.
“As a member of the management teams of both TBC and the American Chamber of Commerce, I am pleased that we are hosting this joint event for the fourth time, attended by AmCham members and representatives of the U.S. Embassy. For TBC, as the No. 1 supporter of businesses, it is essential that we provide our partners with reliable and timely information first. Through such events, we help businesses see the bigger picture, analyze challenges and opportunities, and most importantly, begin adapting to a new reality,” said Giorgi Tkhelidze, Deputy CEO of TBC.
“The global economy is evolving in a highly complex environment, and I am glad that we—the American Chamber of Commerce and TBC—have together established a flexible sub-platform where the private sector receives the most objective, high-quality, and strategically important information. This helps companies remain competitive in the long term, manage risks effectively, and adapt to change. Ultimately, all of this contributes to strengthening the country’s economy,” said Irakli Baidashvili, President of the American Chamber of Commerce.
