
European credit and Georgian income
Main BTU researchers calculate that five euro-area countries supplied approximately 44% of incoming money transfers to Georgia in September 2026. Fresh European lending evidence warrants country-specific attention, but does not

Electricity Import
Main summary BTU researchers calculate that Georgia’s net electricity imports-imports minus exports-rose by approximately 55% in January–August 2026, even though the import total in GeoStat’s table fell by 23%. Transit

When a rate does not explain the choice
Main BTU researchers argue that understandable, complete conditions belong within financial product quality. Connecting September’s credit expansion with BTU’s consumer model shows why a simpler explanation should preserve, rather than

What deposit growth changes
Main summary According to BTU researchers’ calculations, demand deposits accounted for approximately 68% of the increase in Georgia’s bank deposits during September. Growing account balances expand financing possibilities, but their

Smaller Payments Can Drive Restaurant Growth
Main summary BTU researchers find that September restaurant payment growth through TBC channels came with a lower average amount and an implied count increase of approximately 36%. For Georgian businesses,

Where Banking Income Is Concentrated
Main BTU researchers calculate that Bank of Georgia and TBC Bank accounted for 86.04% of net fee and commission income across 17 Georgian commercial banks in January–September 2026, compared with

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