Balance Sheet TBC Bank Group PLC

Stocks

TBCG

GB00BYT18307

Banks

Real-time Estimate Cboe Europe Other stock markets 14:26:11 14/07/2026 BST			5-day change	1st Jan Change
4,588.00 ^GBX	-0.99%		-1.34%	+13.15%

06-12	WINNERS & LOSERS: Oil majors fall, airlines up on US-Iran peace hopes	AN
05-19	TBC Bank Group says all resolutions passed at TBC Bank Group AGM on 19 May 2026	RE

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Published financial data: TBC BANK GROUP PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.83B	2.26B	2.86B	3.57B	4.47B
Interest Income On Investments	58.44M	67.51M	87.62M	125M	223M
Interest Income, Total	1.89B	2.33B	2.95B	3.69B	4.69B
Interest On Deposits	911M	1.08B	1.4B	1.86B	2.33B
Interest Expense, Total	911M	1.08B	1.4B	1.86B	2.33B
Net Interest Income	975M	1.26B	1.55B	1.83B	2.36B
Gain (Loss) on Sale of Assets	28.29M	-	-	-9.8M	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-968K	-3.48M	-5.13M	-8.81M	-12.78M
Income (Loss) on Equity Invest. (Income Block)	837K	352K	657K	574K	572K
Total Other Non Interest Income	437M	809M	814M	1B	1.03B
Non Interest Income, Total	465M	806M	810M	984M	1.02B
Revenues Before Provison For Loan Losses	1.44B	2.06B	2.36B	2.82B	3.38B
Provision For Loan Losses	-39.8M	120M	167M	190M	419M
Total Revenues	1.48B	1.94B	2.2B	2.62B	2.96B
Salaries And Other Employee Benefits	287M	349M	440M	540M	611M
Occupancy Expense	79.89M	101M	116M	145M	168M
Selling General & Admin Expenses, Total	168M	226M	286M	370M	466M
Total Other Non Interest Expense	11.25M	18.41M	17.98M	18.36M	24.82M
Non Interest Expense, Total	546M	694M	860M	1.07B	1.27B
EBT, Excl. Unusual Items	933M	1.25B	1.34B	1.55B	1.69B
Total Merger & Related Restructuring Charges	-	-	-	-	-
Asset Writedown	-11.98M	-1.22M	-2.13M	-7.62M	-15.07M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	921M	1.25B	1.33B	1.54B	1.67B
Income Tax Expense	112M	243M	194M	236M	253M
Earnings From Continuing Operations	809M	1B	1.14B	1.31B	1.42B
Net Income to Company	809M	1B	1.14B	1.31B	1.42B
Minority Interest	-8.22M	-8.13M	-15.8M	-23.58M	-22.94M
Net Income - (IS)	801M	995M	1.12B	1.28B	1.4B
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	801M	995M	1.12B	1.28B	1.4B
Net Income to Common Excl. Extra Items	801M	995M	1.12B	1.28B	1.4B
Per Share Items
Net EPS - Basic	14.7	18.14	20.74	23.41	25.23
Basic EPS - Continuing Operations	14.7	18.14	20.74	23.41	25.23
Basic Weighted Average Shares Outstanding	54.48M	54.85M	54.19M	54.84M	55.38M
Net EPS - Diluted	14.3	17.86	20.58	23.27	24.96
Diluted EPS - Continuing Operations	14.3	17.86	20.58	23.27	24.96
Diluted Weighted Average Shares Outstanding	55.87M	55.72M	54.63M	55.17M	55.99M
Normalized Basic EPS	10.56	14.07	15.12	17.25	18.64
Normalized Diluted EPS	10.29	13.85	14.99	17.15	18.44
Dividend Per Share	3.66	5.45	7.22	8.1	8.87
Payout Ratio	10.21	24.01	24.84	21.42	34.89
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	12.2	19.51	14.53	15.31	15.12
Current Foreign Taxes	-	-	-	-	-
Total Current Taxes	124M	148M	251M	233M	246M
Deferred Foreign Taxes	-	-	-	-	-
Total Deferred Taxes	-11.68M	-17.98M	-56.68M	3.91M	7.35M
Normalized Net Income	575M	772M	819M	946M	1.03B
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	22.12M	26.28M	33.21M	30.96M	40.16M
Total Stock-Based Compensation	22.12M	26.28M	33.21M	30.96M	40.16M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.72B	3.86B	3.76B	3.05B	2.36B
Investment Securities, Total	1.67B	2.76B	2.63B	3.19B	5.44B
Trading Asset Securities, Total	197M	67.59M	25.53M	157M	67.6M
Total investments	1.87B	2.83B	2.66B	3.35B	5.51B
Gross Loans	17.46B	18.67B	22.7B	27B	30.53B
Allowance For Loan Losses	-421M	-383M	-362M	-426M	-587M
Other Adjustments to Gross Loans	-72M	-92.43M	-145M	-210M	-289M
Net Loans	16.96B	18.19B	22.2B	26.36B	29.65B
Gross Property Plant And Equipment	681M	779M	889M	1.02B	1.19B
Accumulated Depreciation	-218M	-223M	-256M	-270M	-302M
Net Property Plant And Equipment	463M	556M	633M	752M	890M
Goodwill	59.96M	59.96M	59.96M	59.96M	79.35M
Other Intangibles, Total	320M	383M	471M	589M	760M
Investment in Real Estate	22.89M	22.15M	15.24M	9.75M	11.43M
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	177M	71.9M	59.78M	109M	145M
Restricted Cash	2.1B	2.05B	1.58B	2.58B	2.36B
Other Current Assets, Total	503M	602M	1.12B	2.85B	1.57B
Deferred Tax Assets Long-Term (Collected)	12.36M	16.7M	7.4M	3.15M	5.26M
Other Real Estate Owned And Foreclosed	266M	285M	281M	323M	432M
Other Long-Term Assets, Total	28.61M	105M	124M	131M	166M
Total Assets	24.51B	29.03B	32.96B	40.16B	43.94B
Liabilities
Accounts Payable, Total	29.99M	50.3M	87.06M	158M	117M
Accrued Expenses, Total	94.8M	99.4M	179M	177M	161M
Interest Bearing Deposits	5.38B	6.23B	7.7B	10.93B	12.52B
Non-Interest Bearing Deposits	9.98B	12.18B	13.57B	12.95B	14.04B
Total Deposits	15.36B	18.41B	21.27B	23.88B	26.56B
Short-Term Borrowings	9.73M	335M	62.12M	92.18M	238M
Current Portion of Long-Term Debt	127M	243M	1.13B	172M	578M
Current Portion of Leases	14.75M	20.54M	24.73M	31.38M	33.82M
Long-Term Debt	4.87B	5.01B	4.67B	9.1B	8.73B
Long-Term Leases	69.71M	103M	95.58M	131M	152M
Current Income Taxes Payable	86.76M	1.65M	67.94M	1.23M	13.1M
Unearned Revenue, Current	37.32M	48.18M	-	-	-
Other Current Liabilities - (Bank / Utility Template)	68.74M	101M	78.84M	69.19M	195M
Deferred Tax Liability Non-Current	10.98M	113M	50.96M	50.22M	59.82M
Other Non Current Liabilities	37.28M	528M	433M	558M	752M
Total Liabilities	20.82B	25.07B	28.14B	34.42B	37.59B
Common Stock, Total	1.68M	1.68M	1.69M	1.72M	1.7M
Additional Paid In Capital	283M	270M	296M	411M	411M
Retained Earnings	3.01B	3.74B	4.43B	5.29B	6.08B
Treasury Stock	-25.49M	-33.44M	-75.61M	-66.98M	-89.09M
Comprehensive Income and Other	377M	-104M	28.55M	-77.07M	-225M
Total Common Equity	3.64B	3.88B	4.68B	5.56B	6.18B
Minority Interest	48.06M	86.81M	136M	184M	171M
Total Equity	3.69B	3.97B	4.82B	5.74B	6.35B
Total Liabilities And Equity	24.51B	29.03B	32.96B	40.16B	43.94B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	54.51M	54.44M	54.26M	55.42M	54.93M
ECS Total Common Shares Outstanding	54.51M	54.44M	54.26M	55.42M	54.93M
Book Value / Share	66.85	71.25	86.32	100.24	112.42
Tangible Book Value	3.26B	3.44B	4.15B	4.91B	5.34B
Tangible Book Value Per Share	59.88	63.11	76.53	88.53	97.13
Average Assets	-	-	-	-	-
Total Debt	5.09B	5.71B	5.98B	9.52B	9.74B
Deposits at Interest - Cash	638M	2.28B	2.08B	1.84B	1.11B
Net Debt	3.1B	1.47B	2.15B	6.13B	6.87B
Equity Method Investments, Total	4.59M	3.72M	4.2M	4.67M	4.87M
Full Time Employees	9.86K	10.27K	11.3K	12.9K	14K
Number Of Offices	147	129	123	125	122

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	801M	995M	1.12B	1.28B	1.4B
Depreciation, Depletion & Amortization	45.02M	50.31M	56.99M	69.64M	81.68M
Amortization of Goodwill and Intangible Assets - (CF)	34.87M	50.89M	59.34M	75.64M	86.76M
Total Depreciation, Depletion & Amortization	79.89M	101M	116M	145M	168M
Amortization of Deferred Charges, Total	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-2.88B	-2.48B	-3.3B	-4.93B	-4.02B
Other Operating Activities	220M	6.98M	202M	-18.97M	458M
Cash from Operations	-1.78B	-1.38B	-1.86B	-3.52B	-1.99B
Capital Expenditure	-163M	-226M	-263M	-340M	-147M
Sale of Property, Plant, and Equipment	20.83M	17.45M	4.67M	1.34M	20.74M
Cash Acquisitions	-17.22M	-1.83M	-	-	-19M
Divestitures	57.04M	-	-	-	2.87M
Purchase / Sale of Intangible Assets	-	-	-	-	-239M
Sale (Purchase) of Real Estate Properties (Collected)	23.64M	5.47M	7.22M	10.95M	2.76M
Investment in Marketable and Equity Securities, Total	619M	-1.2B	-367M	-2.02B	-680M
Other Investing Activities, Total	-	-	696K	680K	1.17M
Cash from Investing	540M	-1.4B	-617M	-2.35B	-1.06B
Long-Term Debt Issued, Total	2.05B	2.67B	2.36B	6.08B	4.5B
Total Debt Issued	2.05B	2.67B	2.36B	6.08B	4.5B
Long-Term Debt Repaid, Total	-3.36B	-1.97B	-1.85B	-2.79B	-4.53B
Total Debt Repaid	-3.36B	-1.97B	-1.85B	-2.79B	-4.53B
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-	-65.11M	-58.99M	-70.66M	-108M
Common Dividends Paid	-81.77M	-239M	-279M	-275M	-488M
Common & Preferred Stock Dividends Paid	-81.77M	-239M	-279M	-275M	-488M
Net Increase (Decrease) in Deposit Accounts - (CF)	2.82B	4.88B	2.33B	2.1B	2.99B
Other Financing Activities, Total	-5.95M	41.65M	-93.57M	42.63M	-
Cash from Financing	1.42B	5.32B	2.42B	5.08B	2.37B
Foreign Exchange Rate Adjustments	-94.66M	-394M	-34.63M	77.81M	-3.7M
Net Change in Cash	86.73M	2.14B	-96.73M	-717M	-684M
Supplemental Items
Cash Interest Paid	867M	1.09B	1.36B	1.82B	2.29B
Cash Income Tax Paid (Refund)	13.76M	244M	184M	356M	226M
Net Debt Issued / Repaid	-1.32B	697M	515M	3.29B	-22.62M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	3.44	3.75	3.68	3.58	3.38
Return On Equity %	24.41	27.05	25.95	24.77	23.5
Return on Common Equity	24.38	27.32	26.26	25.08	23.82
Shareholders Value Added	442M	609M	670M	745M	780M
Margin Analysis
SG&A Margin	36.16	34.79	38.34	40.18	42.08
Net Interest Income / Total Revenues %	65.86	64.65	70.72	69.76	79.82
EBT Excl. Non-Recurring Items Margin %	63.08	64.26	60.84	59.12	57.08
Income From Continuing Operations Margin %	54.67	51.67	51.92	49.82	48.02
Net Income Margin %	54.12	51.25	51.2	48.92	47.24
Net Avail. For Common Margin %	54.12	51.25	51.2	48.92	47.24
Normalized Net Income Margin	38.87	39.74	37.31	36.05	34.9
Asset quality
Nonperforming Loans / Total Loans %	2.52	2.24	2.05	2.29	2.88
Nonperforming Loans / Total Assets %	1.79	1.44	1.41	1.54	2
Nonperforming Assets / Total Assets %	2.88	2.42	2.26	2.34	2.96
NPAs / Loans and OREO	3.98	3.71	3.24	3.44	4.2
NPAs / Equity	19.1	17.71	15.46	16.37	20.48
Allowance for Credit Losses / Net Charge-offs %	217.14	194.66	11.38K	2.53K	17.75K
Allowance for Credit Losses / Nonperforming Loans %	95.88	91.81	78.06	68.97	66.93
Allowance for Credit Losses / Total Loans %	2.41	2.05	1.6	1.58	1.92
Provision for Loan Losses / Net Charge-offs %	-20.52	60.77	5.24K	1.13K	12.67K
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.95	13.61	13.82	14	13.95
Total Average Equity / Total Average Assets %	14.08	13.86	14.18	14.44	14.37
Total Equity + Allowance for Loan Losses / Total Loans %	23.29	22.83	22.23	22.15	22.15
Gross Loans / Total Deposits %	113.62	101.38	106.76	113.04	114.93
Net Loans / Total Deposits %	110.41	98.8	104.38	110.38	111.63
Tier 1 Capital Ratio %	16.72	18	19.6	20.4	19.8
Total Capital Ratio %	20.29	21	22.1	23.8	22.5
Core Tier 1 Capital Ratio	13.65	15.5	17.4	16.8	16.6
Tier 2 Capital Ratio	3.58	2.99	2.47	3.35	2.67
Coverage Ratio	78.28	91.89	82.39	71.07	70
Interbank Ratio	22.4	63.55	46.84	26.57	20.86
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.01	2.16	1.96	1.83	1.72
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	19.66	28.81	23.69	17.91	28.95
Non Interest Income, 1 Yr. Growth %	43.07	73.25	0.69	21.68	3.24
Provision For Loan Losses, 1 Yr. Growth %	-111.73	-400.65	39.31	14.18	120.27
Total Revenues, 1 Yr. Growth %	84.85	31.23	13.2	19.59	12.69
Earnings From Cont. Operations, 1 Yr. Growth %	150.86	24.02	13.62	14.71	8.61
Net Income, 1 Yr. Growth %	152.01	24.28	12.96	14.22	8.82
Normalized Net Income, 1 Yr. Growth %	189.65	34.18	6.32	15.51	9.09
Diluted EPS Before Extra, 1 Yr. Growth %	146.55	24.9	15.23	13.07	7.26
Dividend Per Share, 1 Yr. Growth %	-	48.91	32.48	12.19	9.51
Gross Loans, 1 Yr. Growth %	12.03	6.94	21.62	18.93	13.06
Allowance For Loan Losses, 1 Yr. Growth %	-31.75	-8.98	-5.45	17.42	38.05
Net Loans, 1 Yr. Growth %	13.91	7.25	22.01	18.78	12.47
Non Performing Loans, 1 Yr. Growth %	-42.54	-4.94	11.21	28.8	42.26
Non Performing Assets, 1 Yr. Growth %	-25.55	-0.4	6.09	23.63	38.35
Total Assets, 1 Yr. Growth %	8.55	18.46	13.72	21.83	9.41
Total Deposits, 1 Yr Growth %	20.84	19.85	15.49	12.32	11.2
Tangible Book Value, 1 Yr. Growth %	24.35	13.56	20.83	18.16	8.75
Common Equity, 1 Yr. Growth %	24.61	13.9	20.73	18.61	11.16
Total Equity, 1 Yr. Growth %	25.76	14.83	21.52	19.06	10.58
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	12.29	24.15	26.22	20.77	23.31
Non Interest Income, 2 Yr. CAGR %	15.82	57.44	31.91	10.63	12.08
Provision For Loan Losses, 2 Yr. CAGR %	-30.09	-40.61	104.65	26.12	58.59
Total Revenues, 2 Yr. CAGR %	19.37	55.75	21.82	16.32	16.09
Earnings From Cont. Operations, 2 Yr. CAGR %	22.36	76.39	18.71	14.16	11.62
Net Income, 2 Yr. CAGR %	22.01	76.98	18.48	13.59	11.49
Normalized Net Income, 2 Yr. CAGR %	25.49	97.15	19.35	10.82	12.25
Diluted EPS Before Extra, 2 Yr. CAGR %	20.8	75.48	19.96	14.15	10.13
Dividend Per Share, 2 Yr. CAGR %	-	-	40.45	21.91	10.84
Gross Loans, 2 Yr. CAGR %	15.76	9.46	14.05	20.26	15.96
Allowance For Loan Losses, 2 Yr. CAGR %	15.56	-21.18	-7.23	5.36	27.32
Net Loans, 2 Yr. CAGR %	15.9	10.53	14.39	20.38	15.58
Non Performing Loans, 2 Yr. CAGR %	-	-26.1	2.82	21.57	35.36
Non Performing Assets, 2 Yr. CAGR %	-	-13.89	2.79	15.65	30.78
Total Assets, 2 Yr. CAGR %	15.54	13.4	15.98	17.7	15.45
Total Deposits, 2 Yr CAGR %	22.63	20.34	17.65	13.89	11.76
Tangible Book Value, 2 Yr. CAGR %	17.57	14.41	17.15	19.49	13.36
Common Equity, 2 Yr. CAGR %	18.6	15.17	17.27	19.67	14.83
Total Equity, 2 Yr. CAGR %	19.19	16.23	18.14	20.29	14.75
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	7.8	17.54	24	23.39	23.44
Non Interest Income, 3 Yr. CAGR %	16.7	32.46	35.53	28.36	8.11
Provision For Loan Losses, 3 Yr. CAGR %	-35.08	13.68	-21.09	68.47	51.88
Total Revenues, 3 Yr. CAGR %	16.94	23.2	39.98	21.05	15.1
Earnings From Cont. Operations, 3 Yr. CAGR %	22.75	22.91	52.33	17.36	12.28
Net Income, 3 Yr. CAGR %	22.55	22.76	52.38	17.05	11.98
Normalized Net Income, 3 Yr. CAGR %	22.03	28.32	60.39	18.05	10.24
Diluted EPS Before Extra, 3 Yr. CAGR %	21.36	22.15	52.52	17.62	11.8
Dividend Per Share, 3 Yr. CAGR %	22.73	-	-	30.32	17.63
Gross Loans, 3 Yr. CAGR %	17.87	12.75	13.37	15.65	17.81
Allowance For Loan Losses, 3 Yr. CAGR %	7.63	6.72	-16.26	0.35	15.29
Net Loans, 3 Yr. CAGR %	18.26	12.94	14.23	15.84	17.68
Non Performing Loans, 3 Yr. CAGR %	5.65	-	-15.31	12	28.1
Non Performing Assets, 3 Yr. CAGR %	11.85	-	-7.69	10.03	22.77
Total Assets, 3 Yr. CAGR %	16.64	16.5	13.45	17.89	14.87
Total Deposits, 3 Yr CAGR %	17.33	21.7	18.7	15.85	12.99
Tangible Book Value, 3 Yr. CAGR %	17.49	13.32	16.52	17.48	15.8
Common Equity, 3 Yr. CAGR %	19.17	14.41	17	17.72	16.76
Total Equity, 3 Yr. CAGR %	19.63	15.13	17.97	18.44	16.96
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	14.72	15.76	14.82	18.82	23.72
Non Interest Income, 5 Yr. CAGR %	19.95	27.2	22.56	23.19	25.59
Provision For Loan Losses, 5 Yr. CAGR %	-4.37	4.88	2.76	18.5	4.33
Total Revenues, 5 Yr. CAGR %	18.69	20.9	18.87	20.38	29.87
Earnings From Cont. Operations, 5 Yr. CAGR %	22.09	22.76	21.11	19.33	34.52
Net Income, 5 Yr. CAGR %	21.77	22.94	20.91	19.01	34.48
Normalized Net Income, 5 Yr. CAGR %	22.98	25.91	20.95	20.97	39.05
Diluted EPS Before Extra, 5 Yr. CAGR %	19.49	22.03	20.8	18.88	33.89
Dividend Per Share, 5 Yr. CAGR %	20.85	27.15	29.53	-	-
Gross Loans, 5 Yr. CAGR %	18.39	16.29	16.33	15.7	14.4
Allowance For Loan Losses, 5 Yr. CAGR %	13.24	10.82	1.42	6.18	-0.98
Net Loans, 5 Yr. CAGR %	18.52	16.43	16.7	15.86	14.77
Non Performing Loans, 5 Yr. CAGR %	12.76	15.83	4.51	-	2.8
Non Performing Assets, 5 Yr. CAGR %	16.09	17.01	8.14	-	6.53
Total Assets, 5 Yr. CAGR %	17.88	17.49	16.37	16.95	14.24
Total Deposits, 5 Yr CAGR %	18.22	18.43	17.46	18.51	15.88
Tangible Book Value, 5 Yr. CAGR %	17.38	14.46	15.58	15.75	15.24
Common Equity, 5 Yr. CAGR %	18.58	15.82	16.81	16.48	16.12
Total Equity, 5 Yr. CAGR %	18.46	15.97	17.45	17.17	16.67