BAKU, Azerbaijan, January 26. The Asian
Development Bank (ADB) has approved a GEL 270 million (about $100
million) loan to JSC TBC Bank to expand access to affordable
financing for micro, small, and medium-sized enterprises (MSMEs)
across Georgia, Trend reports via the ADB.


Under the facility, up to 70% of the funding will be directed to
MSMEs. Of this amount, at least 20% will support women-owned and
women-led businesses, while a minimum of 30% will finance eligible
green investments aligned with the National Bank of Georgia’s green
taxonomy.


The partnership is designed to provide MSMEs with stable,
affordable, and longer-tenor financing, enabling business expansion
and job creation. It will also broaden access to tailored green
finance solutions, helping enterprises adopt low-carbon and
sustainable practices and strengthen resilience to extreme weather
events. The project supports Georgia’s target of reducing
greenhouse gas emissions by 35% from 1990 levels by 2030 and aims
to enhance MSMEs’ contribution to the national economy.


In addition, ADB will provide $250,000 in technical assistance
to help TBC Bank build internal green finance capacity and improve
tools for estimating and reporting borrowers’ greenhouse gas
impacts.







The project is also expected to enhance rural outreach through
TBC Bank’s extensive network, stimulating local business activity,
increasing incomes, and creating jobs. It aligns with ADB’s Country
Partnership Strategy for Georgia, 2024–2028, which prioritizes
private sector financing, small business development, and
environmentally sustainable practices.


TBC Bank is one of Georgia’s leading financial services groups,
operating across retail, corporate, and MSME segments. As of 30
September 2025, it held a 37.2% market share in both customer loans
and deposits, according to the National Bank of Georgia. The bank
is owned by TBC Bank Group PLC, listed on the London Stock Exchange
under the ticker TBCG and included in the FTSE 250 Index, as well
as the FTSE4Good Index Series and the MSCI United Kingdom Small Cap
Index.


ADB has supported Georgia since 2007 and is the country’s
largest multilateral development partner. Its cumulative
assistance—covering loans, grants, and technical support—exceeds $5
billion, including around $1 billion in private sector investments.
Through its five-year strategy, ADB aims to help Georgia develop
into a green and inclusive regional gateway, supporting
investments, policy reforms, capacity building, resilient
infrastructure, and regional integration.