- GEL — from 14%

- USD — from 9.2%

- EUR — from 8.4%

Minimum interest rates:

- GEL — from 11.4%

- USD — from 7.9%

- EUR — from 6.9%

- Standard (annuity) repayment schedule

- Non-standard repayment schedule

- The campaign applies to loans issued in all three currencies (GEL, USD, EUR)

- Subsidized programs (e.g. “Preferential Agro Credit”, “Produce in Georgia”, and others)

- Standard agro business loans

- Loan restructurings

- Refinancing of existing loans within our bank

- Fixed

- Indexed

- Mixed

More than GEL 50,000

3–120 months

Secured / Unsecured

- Life insurance – 0.72%

- For unsecured business loans up to GEL 80,000, life insurance conditions are as follows: For loans with a standard repayment schedule – a fixed fee applies depending on the loan amount. For loans with an individual, income-adjusted repayment schedule – the life insurance fee equals 1% of the outstanding loan balance. Life insurance details: https://tbcbank.ge/ka/loans/life-insurance

From 0.2%

From 0.2%

One-time fee not exceeding GEL 20 (or equivalent in the loan currency)

- 0.5% for each overdue day.

- However, the total amount of charges accrued from the beginning of the overdue period until its full settlement shall not exceed 1.5 times the outstanding principal amount.

For fixed interest rate loans:

- 2% — if more than 24 months remain until loan maturity

- 1% — if 12 to 24 months remain until loan maturity

- 0.5% — if 6 to 12 months remain until loan maturity

- 0% — if less than 6 months remain until loan maturity

For indexed interest rate loans:

- 0.5% — if more than 6 months remain until loan maturity

- 0% — if less than 6 months remain until loan maturity

For individuals:

- 0% of the loan amount if up to 6 months remain until loan maturity

- 0.5% if more than 6 months remain until loan maturity

If, at the time of refinancing, the customer’s (except an individual’s) total liabilities to the bank:

- Do not exceed GEL 2,000,000 (or equivalent in another currency): 0% of the refinanced loan amount if up to 6 months remain until loan maturity. 0.5% if more than 6 months remain until loan maturity

- Exceed GEL 2,000,000 (or equivalent in another currency): The early repayment fee shall be determined in accordance with the applicable early repayment