კომერციული ბანკების კონკურენტუნარიანობა ქართულ საფინანსო ბაზარზე

Relevance of the topic. The banking sector is one of the main preconditions for the country's
financial stability. If commercial banks, on the one hand, are able to perform their role as
intermediaries effectively, they will provide the movement of finances in society and the
economy as a whole, saving time and resources for both depositors and borrowers. On the
other hand, bankruptcy of a bank may cause serious damage not only to its clients, but also
to the financial sector as a whole and the country's economy. Therefore, it is important to
study the competitiveness of Georgian commercial banks, what factors and indicators
determine it and what methods are used by the banks to obtain and maintain position on the
financial market. Besides, in modern conditions it is important to assess the role of
innovation in the functioning of banks.
The purpose of the research is to assess the competitiveness of Georgian commercial banks,
to determine which banks have top positions on the financial market and what factors
determine their leadership.
For research purposes, the objects of the research are Georgian commercial banks, for which
the financial indicators and the main directions of market positioning will be evaluated.
JSC “TBC Bank” and JSC “Bank of Georgia” occupy leading positions in the banking sector
due to the diversity of their services, marketing strategy, constant process of innovation and
positioning in all segments of the market. JSC "ProCredit Bank" and JSC "Credo Bank" are
characterized by different attractiveness. Financial indicators, key competitiveness indicators
and international ratings are used to assess the competitiveness of commercial banks.