Anyone opening an account outside the EU wants to know with whom the money actually sits. This article summarises the most important Bank of Georgia figures – soberly, with sources and an honest classification.
Who Bank of Georgia is
The Bank of Georgia figures only give a picture if you know the bank itself. JSC Bank of Georgia is the largest bank in the country and a so-called systemically important institution. Its roots reach back to 1903; in its current form it has existed as Bank of Georgia since 1994. Today it offers the full spectrum of a universal bank: retail banking, corporate clients, investment banking and wealth management.
For you as a future account holder, one point above all is relevant: the bank's premium offering bears the name SOLO. It is precisely this product that we use for your Freiheitskonto. SOLO is aimed at an upscale clientele and combines a multi-currency account, cards and personal support.
The most important figures at a glance
The following figures relate to the 2025 financial year and stem from the published business figures of JSC Bank of Georgia and its parent company. They give you an idea of the scale in which the bank operates.
| Figure | Value (2025) | Classification |
|---|---|---|
| Market position | No. 1 in Georgia | largest bank by total assets |
| Market share | around 40% | measured by total assets |
| Total assets | around GEL 44.9 billion | sum of all assets |
| Annual profit | around GEL 1.85 billion | net profit of the bank |
| Rating Fitch | BB | speculative, but rated stable |
| Rating Moody's | Ba2 | comparable level |
| Stock listing | FTSE 100 (LSE) | via the parent company |
Listed and internationally supervised
One aspect of the Bank of Georgia figures sets the bank apart from many institutions in emerging markets: the parent company is listed on the London Stock Exchange. It was long called Bank of Georgia Group PLC and, since February 2025, trades as Lion Finance Group PLC – a name that reflects the expansion into several countries, since the Armenian Ameriabank now also belongs to the group. The group is part of the FTSE 100, an index of leading mid-cap companies on the London Stock Exchange.
What does this mean in practice? A London listing brings strict reporting, transparency and governance requirements. In addition, the bank is under the ongoing supervision of the National Bank of Georgia (NBG), which sets and enforces capital and liquidity requirements. This double observation – capital market in London and supervision in Tbilisi – is a good deal more control than many banks outside the EU can show.
Read ratings not as a seal of quality but as a risk assessment. BB and Ba2 lie in the speculative range, which fits an emerging market like Georgia. What is decisive is the combination: market leadership, stock listing, supervision and a statutory deposit-insurance system together give a robust overall picture.
Digitally strong, present in everyday life
The bank is considered one of the digital pioneers of the region. It has repeatedly been named the best digital bank in Georgia by Global Finance, most recently in 2025. For you, in everyday life, this means: a functioning mobile app, online banking you control from anywhere, and common payment methods up to Apple Pay. This is complemented by a dense physical network with around 270 service points and about 930 ATMs in the country, as well as representative offices in London, Budapest and Tel Aviv, among others.
This mix is exactly what makes a bank account outside the EU suitable for everyday use: you practically never need the branch, because the account runs fully digitally – but in the background stands a real, large bank with physical infrastructure.
What the figures mean for your account
Figures are not an end in themselves. For your decision, what counts is what they say about stability and reliability:
- Size creates stability. The market leadership with around 40% market share means a broad refinancing base and systemic importance.
- Profit signals viability. An annual profit of around GEL 1.85 billion shows a profitable, not a distressed, business model.
- Listing and supervision enforce transparency. The LSE listing and the NBG supervision set minimum standards on capital and reporting.
- Deposits are statutorily protected. Via the Georgian deposit-insurance system, balances are protected up to a fixed limit.
Honest classification
Completeness also includes what an advertising brochure likes to leave out. Georgia is an emerging market, the ratings lie in the speculative range, and the deposit insurance in Georgia covers, at GEL 50,000 per depositor and bank, considerably less than the €100,000 in the EU. You should not ignore political and geopolitical risks in the region either. In our view, an account at Bank of Georgia is therefore an excellent building block for diversification – but no replacement for a well-run home account. The details on the protection can be found in the article on deposit insurance in Georgia.
If the scale fits for you, we accompany you step by step in the opening – entirely from a distance and with German-language support.
The key figures for 2026 at a glance
To judge a bank's substance you look at market position, rating and ownership. Bank of Georgia is one of the country's two leading institutions, with around 40 percent market share. Fitch rates it BB – a solid classification within the Georgian sovereign rating. Supervision is carried out by the National Bank of Georgia.
The parent company, Lion Finance Group PLC, is listed in London and was admitted to the FTSE 100 on 20 March 2026 – the index of the hundred largest listed companies in the UK. This admission subjects the group to the transparency and governance requirements of one of the world's strictest capital markets.
On top of this come structural strengths: Bank of Georgia is the exclusive issuer of American Express in Georgia, runs the country's leading investment bank in Galt & Taggart, and is part of national deposit insurance with GEL 50,000 per depositor. This combination of market position, international capital-market discipline and an in-house investment ecosystem is the real argument behind the account.
Frequently asked questions about Bank of Georgia figures
Is Bank of Georgia a safe bank?
It is the largest and a systemically important bank in Georgia, listed via Lion Finance Group PLC on the London Stock Exchange and supervised by the National Bank of Georgia. The ratings (Fitch BB, Moody's Ba2) lie in the speculative range, which fits an emerging market. There is no absolute guarantee at any bank.
How large is Bank of Georgia?
With total assets of around GEL 44.9 billion and about 40% market share, it is the largest bank in the country. The 2025 annual profit was around GEL 1.85 billion.
Is Bank of Georgia listed?
Yes. The parent company Lion Finance Group PLC (formerly Bank of Georgia Group PLC) is listed on the London Stock Exchange and part of the FTSE 100.
What is SOLO?
SOLO is the premium banking brand of Bank of Georgia for an upscale clientele. Through SOLO we open your Freiheitskonto with a multi-currency account, card and personal support.