CCI increased by 2% Y-O-Y

Ex-Dividend Date: 13 August 2026 Record Date: 14 August 2026 Currency Conversion Date: 21 August 2026 Payment Date: 11 September 2026 The Georgian Lari to Pound Sterling exchange rate that will apply to the 1Q 2026 quarterly dividend payments on the conversion date of 21 August 2026 will be the average exchange rate of the National Bank of Georgia for the period of 17 August 2026 to and including of 21 August 2026 (5 days average).The Board of Directors of TBC Bank Group PLC ("TBC PLC"), subject to shareholders' approval, is recommending a final dividend for the year 2025 of GEL 3.87 per TBC PLC share (the "Final Dividend"). If approved, the Final Dividend will be paid on 22 June 2026 to shareholders who are on the register of members at 6:00 PM (BST) on the record date of 22 May 2026, in accordance with the following timetable: Ex-Dividend Date: 21 May 2026 Record Date: 22 May 2026 Currency Conversion Date: 5 June 2026 Payment Date: 22 June 2026 The Georgian Lari to Pound S The Final Dividend, together with the aggregate previously paid interim dividends of GEL 5.0 per TBC PLC share (which were paid quarterly), will equate to a total dividend in respect of the year ended 31 December 2025 of GEL 8.87 per share, up by 10% year-on-year. This brings the total dividend payout ratio for 2025 to 35% and total distribution as a share of net profit to 40%, including a buyback of GEL 75 million.The total number of voting rights in TBC PLC as at 28 February 2026 is therefore 55,726,793 (the "Total Voting Rights").

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In a speech on Europe Day, Papuashvili said that the EU has departed from its founding principles and has moved into a regime of “politically motivated resolutions and threats of economic retaliation.”According to Papuashvili, the current EU leadership fails to understand the essence of the Schuman Declaration and, instead of peace, is promoting radicalism and “regime change” plans against the democratically elected government in Georgia.He stressed that separating Europe Day from Victory Day (May 9) is unacceptable, as it ignores the great sacrifice made by the Georgian people in World War II.In the letter, the speaker also drew attention to the ideological conflict, saying that the EU is trying to impose on the country “ideologies incompatible with the traditional way of life and human nature.”He said that European integration should not mean Brussels’ “sole rule” over Georgia, but should be based on equality and respect for national independence.Papuashvili defended Tbilisi’s position on non-interference in the economic confrontation with Russia, noting that calls for sanctions without security guarantees would lead to Georgia’s economic collapse. In conclusion, the Speaker of the Parliament called on the European Union to stop aggressive rhetoric and reconsider its "harmful policies" in order to pave the way for genuine dialogue.

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According to the head of government, the decision is due to the fact that existing state and private universities cannot provide the necessary knowledge and skills for future diplomats at the appropriate level.Key details: Status and subordination: The Academy of Diplomacy will be an institution of departmental subordination. The prime minister cited the academies of the Ministry of Defense, the Ministry of Internal Affairs and the Security Service, which operate on a similar model, as examples. Objective: The main task of the institution is to train highly qualified personnel for the diplomatic service and strengthen the country's foreign policy positions. Timeline: The academy will begin operating next year, after passing authorization procedures. “Departmental subordination will help the academy ensure high quality teaching and research,” Kobakhidze said, thanking Foreign Minister Maka Bochorishvili for preparing the project.This step is another attempt by the ruling team to strengthen state institutions, aiming to centralize the training of professional staff by tailoring it to the needs of specific state agencies.

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The head of government highlighted the doubling of export geography over the past decade and noted that Georgian products are currently represented in 70 countries around the world.Key economic indicators: Export volume: In 2025, Georgia exported up to 90 million liters of wine Revenues: The value of exported products reached 268 million US dollars. According to the Prime Minister, this growth dynamics will be maintained in 2026 Industry expansion: The number of wineries and companies registered in the country has increased almost 30 times, reaching 3,000 According to Kobakhidze, as a result of state policy, a special growth is being recorded in the part of small and family wineries, which has contributed to the creation of new jobs in the regions.“Our goal is for the world to know Georgian wine as a premium-class product that continues an 8,000-year tradition with constant development,” the Prime Minister said.According to his own assessment, diversification of markets and continuous improvement of quality remain part of the strategy that should ensure international recognition and economic strength of Georgian wine.

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The total audience of the ecosystem, which includes TBC Bank in Uzbekistan, payment service payme, installment service TBC BNPL, digital insurance platform TBC Sug'urta and SaaS solution for retail BILLZ, reached 24.2 million registered users as of March 31, 2026 - 23% more than a year ago. The monthly active audience was 5.8 million people.The volume of payments made through the ecosystem platforms increased by 31.1% year-on-year and reached 31.8 trillion soums (≈ $2.62 billion). The deposit portfolio increased by 24.3% to 7.1 trillion soums (≈ $585 million), and the credit portfolio increased by 3.4% to 10.4 trillion soums (≈ $857 million).Among retail products, the dynamics of the flagship debit card TBC Salom deserves special attention:The number of TBC Salom debit cards issued during the quarter exceeded 1 million, which is five times more than the figure of 230 thousand in the same period last year. The balances on these cards make up about 4% of the total deposit portfolio. The TBC Osmon credit card has reached 183 thousand units, and the balances on it account for 9% of the total credit portfolio. The company positions itself as one of the leaders in the emerging credit card market in Uzbekistan, which, according to its estimates, is showing rapid growth along with the spread of the product among consumers.Subscription packages available in TBC Bank and the payment application Payme attracted 1.1 million users, which is seven times more than in the previous year. The installment service TBC BNPL reached 190 thousand active users; the deferred payment function was integrated into the Payme application and Payme travel section, which doubled the sales of reservations and tickets through this channel compared to the first quarter of 2025.TBC is also preparing to launch auto loans in Uzbekistan this year with instant approval in less than a minute. Preliminary partnership agreements have already been signed with a number of manufacturers, dealers and distributors.The business direction TBC Biznes has 67 thousand registered clients, of which 21 thousand are active. The total number of loans issued to small and medium-sized businesses, including the self-employed, exceeded 185 thousand, which is 18% of the total loan portfolio. During the quarter, a new application TBC Biznes was launched, a multi-level subscription service was introduced to the market, and the maximum loan amount for entrepreneurs was increased to 600 million soums (≈ $49.4 thousand).SaaS platform BILLZ processed more than 11 million transactions in the first quarter, with a total volume of 5.8 trillion soums (≈ $478 million). By the end of March, the number of its users amounted to more than 4 thousand registered business clients, and the network of active merchants exceeded 6 thousand. To cover micro and small businesses, it launched BILLZ lite, a simplified mobile version of the platform.In the technological sphere, the company completed the implementation of the AI-assistant Lola for the entire user base, after successful testing in the Friends & Family mode at the end of 2025. In April 2026, the assistant was awarded by Global Finance as the best fintech innovation in the Asia-Pacific region. Other technological innovations of the quarter included the integration of QR-payments in TBC Bank using MSQR and CSQR formats, as well as the integration of payme into the bank’s partner network, which opened up access to more than 20 thousand merchants for TBC Bank customers.“The past quarter was marked by significant achievements that lay the foundation for a new stage of further growth and development of our ecosystem as the region’s leading unified platform for consumers and entrepreneurs,” said Nika Kurdiani, CEO of TBC Uzbekistan. According to him, the flagship card products are rapidly growing their audience, the business direction is already yielding visible results, and the AI-assistant Lola will in the future turn into a full-fledged personal assistant that will connect corporate and retail clients into a single ecosystem.

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According to a statement released by the Georgian Ministry of Foreign Affairs, the decision was taken within the framework of the issue - “The Council of Europe and the conflict in Georgia”. In the document, the 46 member states of the organization reaffirm their firm support for the sovereignty and territorial integrity of Georgia within its internationally recognized borders.The Committee of Ministers emphasizes that the Russian Federation continues to violate international obligations, including the ceasefire agreement of 12 August 2008, signed with the mediation of the European Union. According to the document, Moscow continues its illegal military presence in the Georgian regions of Abkhazia and Tskhinvali.In the decision, the member states recall the historic Reykjavik Summit of May 2023 and call on Russia to immediately, completely and unconditionally withdraw its armed forces from the territory of Georgia. The resolution is another legal confirmation of the Council of Europe's policy of non-recognition of Georgia's occupied regions and support for a peaceful resolution of the conflict.

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The theme of 2026 was “Small Steps”. The concept reflects both the history of the development of “Crystal”, which began its activities 28 years ago with small steps, as well as the creation of small, but critically important impulses that help people and businesses.These values ​​​​have defined the corporate culture of “Crystal” since its founding, and support for TEDxTbilisi 2026 is part of these values.“TEDx has become a space for many around the world, where they often find inspiration for changes in their personal or public lives. The stories and visions shared at the event can become motivation for realizing new opportunities. The path to the most ambitious goals begins with small steps,” said Ilia Revia, General Director of “Crystal”.Tbilisi joined TEDx, a global space for sharing ideas, in 2012 and, under the TED license, TEDxTbilisi hosts speakers from various fields.

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Ex-Dividend Date: 25 June 2026 Record Date: 26 June 2026 Currency Conversion Date: 26 June 2026 Payment Date: 10 July 2026 The National Bank of Georgia's Lari/British Pounds Sterling average exchange rate for the period of 22 June to 26 June 2026 will be used as the exchange rate on the Currency Conversion Date and will be announced in due course.

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