TBC made significant advances in personalised digital execution during 2025, strengthening its position at the centre of Georgia’s FX market. The bank handled approximately 42% of the country’s total FX volume and captured 35% of the spot market, underscoring its pivotal role in the region’s financial architecture and economic stability.
This scale makes TBC an important source of liquidity for Georgian banks, companies, and institutional counterparties. Its international network includes leading global banks, with activity executed through Bloomberg reaching $5.6 billion during 2025. More than 80% of its FX income came from client business rather than proprietary trading, highlighting a sustainable, service-oriented business model anchored in real economic activity rather than speculative ventures.
TBC also has a substantial corporate franchise, serving as a primary financial partner for a diverse array of domestic and international enterprises operating within the region. Through continuous investment in its digital infrastructure, the institution has been able to tailor its execution capabilities to meet the increasingly sophisticated demands of modern corporate treasuries. By offering seamless, data-driven platforms for currency conversion and risk management, TBC has effectively bridged the gap between local market participants and global liquidity pools.
The broader macroeconomic environment in Georgia throughout 2025 required robust financial intermediaries capable of navigating fluctuating currency dynamics and cross-border capital flows. In this context, TBC’s ability to command nearly half of the total foreign exchange volume reflects both its operational resilience and the deep trust placed in it by market participants. Institutional counterparties ranging from mid-sized commercial entities to large multinational corporations increasingly rely on the bank’s digital execution channels to optimize their treasury operations, reduce transaction friction, and secure competitive pricing across major and regional currency pairs.
Furthermore, the integration of advanced digital tools has allowed TBC to streamline workflows for its client base, minimizing manual intervention and accelerating settlement times. This technological edge has proven particularly vital during periods of heightened market volatility, where rapid execution and reliable liquidity access are paramount. By focusing heavily on client-driven revenue—where over four-fifths of foreign exchange income stems directly from servicing corporate and institutional accounts—TBC insulates its balance sheet from the higher risks traditionally associated with proprietary trading desks. This prudent approach has not only fortified the bank’s standing among domestic peers but has also resonated strongly with its international network of correspondent banks and global financial partners.
As TBC looks beyond the milestones achieved over the course of 2025, its entrenched market share and sophisticated digital ecosystem position it uniquely to steer the ongoing evolution of Georgia’s financial sector. The bank’s impressive throughput on institutional platforms like Bloomberg, totaling $5.6 billion, demonstrates its capacity to seamlessly connect local enterprise with international liquidity channels. Through these combined strengths in digital execution, corporate relationship management, and disciplined revenue generation, TBC continues to anchor the operational efficiency and liquidity depth of the Georgian foreign exchange market.
