TBC Bank’s mission to simplify people’s lives is now directly tied to artificial intelligence and digital transformation. In an interview with BM.GE, Goga Tkhelidze discussed the results the bank has achieved through years of technological investment. According to him, technology, especially AI, has become TBC’s main tool for reducing bureaucracy and saving customers’ time. Thanks to the rapid development of digital channels, visiting a branch is now rarely necessary.
Tkhelidze highlighted that 99% of TBC’s transactions are completed digitally, with nearly all services accessible via mobile banking. Taking out a loan now takes less than two minutes, and opening a savings account can be done in just one. A major step forward, he noted, was the launch of TBC’s Georgian-language generative AI chatbot last September, the only one in the country capable of processing voice messages. Within three months of its official rollout, the chatbot registered 140,000 interactions, delivering instant information that previously required calling the service center.
Another key topic of the interview was the large international conference organized by TBC Capital, which this year hosted around 500 partners, including global financial giants such as J.P. Morgan, Morgan Stanley, Goldman Sachs, and Fitch Ratings. Tkhelidze emphasized that capital markets are becoming an increasingly attractive alternative and cost-effective source of financing for Georgian companies.
Since the first conference, TBC Capital has helped 17 companies issue securities, facilitating 42 transactions worth a total of 7.2 billion GEL, 4.6 billion raised on international markets and 2.6 billion locally. According to Tkhelidze, Georgia’s capital market has increased 3 times in size over the past four years, reaching 3 billion GEL, with TBC holding more than 56% of the market.
