“PASHA Bank Georgia” ended the year 2025 with a net profit of 8.6 million GEL. The bank's team managed to increase the corporate loan portfolio by approximately 20%. It is noteworthy that “PASHA Bank Georgia” implemented a strategic change 3 years ago and fully moved to corporate banking services. Regarding how this repositioning affected the bank's role in the Georgian market, as well as how the past year was for PASHA Bank, BMG spoke with the bank's General Director, Ramil Imamov, about achievements and results.
Interviewer: Mr. Ramil, I am glad to record this interview with you. I think an interesting conversation awaits us, because we will not only review and summarize the results of “PASHA Bank Georgia” in recent years but also talk about the bank's future plans. A few years ago, “PASHA Bank Georgia” implemented a strategic change and fully shifted focus to corporate banking services. How did this repositioning affect the bank's role in the Georgian market?
Ramil Imamov: First of all, thank you for the time spent and welcome to “PASHA Bank.”
As you noted, about three years ago we made a strategic decision to fully move to corporate banking services. This change allowed us to direct our experience and resources toward an in-depth study of business needs and various industries, which helped us in making flexible decisions and offering personalized products to clients.
Our approach is based on a simple idea: we are not just a financial institution – we create long-term partnerships with clients. This philosophy is also reflected in our main promise: “Our partnership goes beyond traditional banking.”
Interviewer: “PASHA Bank” is part of “PASHA Holding.” How does this influence your strategic direction in Georgia and generally in the region?
Ramil Imamov: Membership in “PASHA Holding” – a diversified regional investment group whose assets exceed 13 billion dollars – gives us financial stability and access to regional experience.
The holding operates in various sectors—banking, insurance, construction, real estate, and hospitality—which gives us the opportunity for a more in-depth vision of different fields and business needs. At the same time, “PASHA Holding” continues to expand its international representation. “PASHA Real Estate” is implementing a new hotel project on the embankment in Tbilisi.
All this allows us to finance ambitious regional projects in sectors such as energy, trade, and infrastructure, and to cooperate closely with other regional banks.
Interviewer: How would you evaluate the year 2025 for “PASHA Bank Georgia”? What were your main priorities during the year?
Ramil Imamov: Generally, 2025 was an important stage of development for “PASHA Bank.” We continued operations within the framework of the 2024-2026 strategic cycle, where our primary task is to become a preferred and reliable banking partner for the Georgian business community. Our main goal remains supporting medium and large businesses; by offering financial solutions tailored to them, we help businesses grow and contribute to the development of Georgia's economy.
Interviewer: Let's talk about financial indicators. How were the financial results of “PASHA Bank Georgia” in 2025?
Ramil Imamov: From a financial point of view, 2025 was successful. The bank ended the year with a net profit of 8.6 million GEL. We increased the corporate loan portfolio by approximately 20%. Also, we had impressive results in the corporate bond portfolio, where growth exceeded 35% and reached 110 million GEL at the end of the year. Total assets reached more than 660 million GEL.
I want to emphasize one circumstance: since we started implementing the strategy focused on corporate banking services, we see a stable growth of profitability year after year, which confirms the correctness of our approach. These indicators are reinforced by international recognition as well—in 2025, S&P Global confirmed “PASHA Bank Georgia’s” credit rating at the “B/B” level with a stable outlook, which highlights the bank's financial sustainability and long-term growth potential.
Interviewer: Beyond financial indicators, how do you measure client trust and satisfaction?
Ramil Imamov: That is a very good question. For us, success is not determined by financial results alone. The trust of partners is no less important. According to independent research, “PASHA Bank Georgia’s” loyalty index (NPS) reached 62, which is one of the best indicators in the banking sector, while the customer satisfaction rate is 90%. This means that the absolute majority of our partners are not only satisfied with our service but also recommend PASHA Bank.
Interviewer: What steps are you taking to further increase customer satisfaction?
Ramil Imamov: I think the formula is simple: we try to conduct an open dialogue with partners. Mainly, we study their problems, needs, and expectations in depth, based on which we create products and services tailored to them.
A clear example of this approach is “PASHA Bank’s” new internet banking, which was created taking into account ease of use, stability, and maximum consideration of client requirements. In parallel, we do everything to improve the quality of basic services, such as international transfers, where we implement alternative solutions to increase speed, flexibility, and reliability.
Besides products, we build relationships with clients through exclusive, club-type events tailored to them, such as golf tournaments, premium-style experiences, or international events (for example, “Formula 1”). This creates an environment for establishing business connections and deeper engagement, which goes beyond daily banking activities.
Interviewer: “PASHA Bank” actively participates in business forums and regional initiatives. Why are such platforms important for the bank?
Ramil Imamov: For us, maintaining an active dialogue with the business community is very important. Such events and forums provide an excellent means of exchanging ideas, discussing new opportunities, and strengthening partnerships.
For example, in 2025, together with “PASHA Holding,” we held the Azerbaijan-Georgia business forum, the goal of which was to promote bilateral trade and investments between the two countries. We also supported the Caspian International Energy Forum, which was dedicated to energy projects and sustainable investment opportunities in the region.
Interviewer: You spoke about the significant achievements of “PASHA Bank Georgia.” I am interested, what are the main factors that ensure the actual achievement of these goals?
Ramil Imamov: I firmly believe that at the center of all this success stand our team, the employees. It is they who achieve these results. We believe that a strong team culture, based on cooperation, professionalism, and common goals, plays a decisive role in achieving sustainable results and pushes us toward joint growth.
In “PASHA Bank Georgia,” we offer our employees one of the most competitive benefit packages on the market. Furthermore, I want to note that year after year we put more and more resources into development. Professional growth of employees is very important for us, in which we already have good results and we plan to achieve even more in the future.
Interviewer: And the last question – what is your vision for the near future?
Ramil Imamov: Our vision is to continue sustainable growth and strengthen our positions as a flexible corporate banking partner in Georgia and in the region. We will remain focused on supporting corporate clients, expanding regional partnerships, and creating innovative financial solutions, which will facilitate business development. Most importantly, we remain faithful to our promise: “Our partnership goes beyond traditional banking.”
Interviewer: Mr. Ramil, it was a pleasure to interview you and not only summarize past experiences but also talk about the future of “PASHA Bank Georgia.” Thank you very much.
Ramil Imamov: Thank you.
