Better Health for All

TBC Bank Group prohibits activities associated with illegal manufacturing and trading of weapons, human trafficking, and illegal drug distribution, indicating no revenue from products with significant negative health impacts.

The company recorded 5 safety incidents in 2024 , with 2.7 million monthly active digital users , resulting in an adverse events rate of 1.85 per million users. TBC Bank financed a solar power plant that reduces CO2 emissions by 1,140 tons per year , generating positive health externalities. In 2024, TBC Bank received a GEL 10,000 fine from the National Bank for a violation of the Georgian Data Protection Law , despite having a Data Protection Officer , complying with GDPR and UK GDPR , and adapting to new Georgian data protection law . The company's mental health program saw approximately 500 employees participate in workshops, seminars, and physical activities in 2024 . The company has health-related subsidiaries (TBC Insurance JSC and Redmed LLC, operating in healthcare e-commerce) , but there is no quantitative data on the net health effect of their principal goods or services to assign a score for health impact. Similarly, while TBC's branches have accessibility features like ramps , this evidence pertains to financial services rather than equitable access to health needs for vulnerable populations. Other KPIs are not applicable due to the nature of the company's core business or lack of specific health-related data.

Fair Pay & Worker Respect

The mean gender pay gap for Bank employees was 46% in 2024, indicating women earned 54% of men's pay.

However, the mean gender pay gap for middle management was negative at -3% in 2024, suggesting women in these roles were better remunerated. The Employee Engagement Index was 85% in December 2024. and the staff turnover rate in the Bank was 14.7% in 2024. No fines or non-monetary sanctions for non-compliance with laws and/or regulations in the social and economic area were identified in 2024. The company supports employees’ rights to freedom of association and has a Human Rights Policy. It offers medical insurance, paid annual and sick leave, and six months of fully paid maternity and paternity leave. In 2024, 347 employees received parental leave pay, and GEL 709,694 was provided for marriage and childbirth support. Five safety incidents occurred in 2024, including injuries to employees and customers. The company reported 133 incidents through various channels in 2024, with 28 being anonymous. 95% of employees were trained on gender, equality, and diversity in 2024.

Fair Trade & Ethical Sourcing

The company requires all suppliers' contracts to include mandatory and indispensable clauses covering personal data protection, anti-corruption, environmental, and tax avoidance.

Approximately 90% of the total procurement volume was directed to local suppliers registered in Georgia in 2023, an increase from 84% in 2022. As a financial institution, the company does not procure or trade physical commodities, thus having no material sourcing of at-risk inputs or requiring fair-trade certifications.

Honest & Fair Business

In 2024, TBC Bank received fines totaling GEL 10,000 from the National Bank.

Customer complaints are assessed with an answer provided within two weeks to one month. The company maintains a comprehensive whistleblowing policy, publicly available and renewed annually, with multiple anonymous reporting channels. In 2024, 98% of employees (7,189 individuals) were trained on this policy, and 133 incidents were reported, 28 anonymously. TBC Bank Group PLC has a robust anti-corruption framework, including a board-approved zero-tolerance Anti-Bribery and Anti-Corruption Policy that covers third parties with due diligence requirements. In 2024, 7,200 employees received training on the Anti-Financial Crime Policy. In May 2024, Morningstar Sustainalytics assessed TBC Bank Group PLC with an ESG Risk Rating of 12.6, indicating a low risk of experiencing material financial impacts from ESG factors.

Kind to Animals

As a financial services company, TBC Bank Group PLC's core business model does not involve activities such as product manufacturing, animal testing, animal agriculture, or the use of animal-derived ingredients. Consequently, the provided articles do not contain specific, measurable data points related to cruelty-free certifications, alternative testing methods, humane certifications for operations, ethical input substitution, cage-free sourcing, or animal agriculture ethics. While the company demonstrates a commitment to broader environmental and social governance

, there is no evidence of specific engagement in wildlife conservation initiatives with measurable biodiversity impact, animal welfare policy advocacy, or R&D investment in animal-free technologies.

No War, No Weapons

TBC Bank Group PLC maintains a clear corporate policy prohibiting engagement with entities involved in the illegal manufacturing and trading of weapons, arms, and munitions, or the financing of weapons of mass destruction, indicating 0% revenue from such activities.

This policy also codifies ethical red lines banning involvement with all categories of conventional arms and weapons of mass destruction. The company demonstrates 100% compliance with these ethical standards, reporting no fines or non-monetary sanctions for non-compliance in 2024. Furthermore, TBC prohibits and will not facilitate activity with sanctioned regimes, employing sophisticated internal controls, including AI-powered tools for enhanced due diligence, and external counsel to prevent sanctions violations and circumvention.

Planet-Friendly Business

TBC Group's total Scope 1, 2, and 3 greenhouse gas emissions, including financed emissions, amounted to 3,447,868 tCO2e in 2024.

The company reports Scope 1, 2, and 3 emissions, including financed emissions. The company has an aspirational target to achieve net-zero greenhouse gas emissions related to its direct environmental impact by 2030, but there is no evidence of SBTi-validated science-based carbon reduction targets. In 2024, the share of renewable energy in the company's total electricity consumption in the regions reached 50%. TBC Bank purchased/generated 1,029,351 kWh of renewable energy in 2024 and is implementing solar energy solutions in major branches. The company reported zero fines or non-monetary sanctions for non-compliance with environmental laws and regulations in 2024. TBC has published its disclosures in line with the requirements of the Task Force on Climate-Related Financial Disclosures (TCFD) since 2021. Information on water use per revenue, green building certifications, waste diversion rate, or capital expenditure alignment with EU taxonomy is not provided.

Respect for Cultures & Communities

TBC Bank Group PLC reported that 95% of its employees completed gender, equality, and diversity training

. Additionally, 98% of employees participated in distance learning training on the Code of Conduct and Ethics . The company also trained 8,155 employees on diversity and equality , and 8,122 on sexual harassment, stereotypes, discrimination, and forms of violence .

Zero Waste & Sustainable Products

TBC Bank has implemented several waste reduction initiatives, including collecting and recycling paper waste since 2015

, which has resulted in 450 tons recycled . Additionally, the company initiated plastic waste collection for recycling in 2023 , processing over 2,300 kg by December 31, 2024 . TBC has a Waste Management Plan that outlines key measures for handling hazardous waste, including separate collection, storage, and transportation, in accordance with local legislative requirements . The company reported no fines or non-monetary sanctions for non-compliance with environmental laws and regulations in 2024 . TBC screens its long-term suppliers using an Environmental and Social Risk Management Questionnaire . Furthermore, the bank engages customers in waste reduction through its plastic waste collection program, available at 46 locations , which has seen customer participation . TBC also has a quantitative target to decrease printing paper consumption per person by 9% .