Tbilisi (GBC) - The profitability (Return On Equity) of the banking sector has decreased. Banks have completed 11 months of 2025 with a return of up to 22.07% (L/Y - 24.3%).

The most satisfied shareholders are the Bank of Georgia Group. ROE for every 100 GEL invested is more than >30 GEL.

A return on capital of 20-25% is considered optimal for shareholders. Their satisfaction is reflected in the market, and ultimately in the price of money. Lending rates should also be passed on, although with the recent uncertainty (be it the country's foreign exchange rate or the mood of public groups), risks have increased and the market is also hedging itself.

TOP - 9 Banks By ROE

 

01.12.2025

Bank of Georgia

30,15%

TBC Bank

22,73%

Liberty Bank

18,90%

Credo

21,25%

Basis Bank

17,19%

Crystal

16,19%

Terabank

10.25%

Cartu bank

 9,32%

ProCredit Bank

 9,16%