According to official figures, the agency recorded 1,758 formal applications during the first eight months of the year, while incoming telephone enquiries surged to 5,367, representing a 110 per cent year-on-year increase compared to the same period in 2025.During the reporting period, GCCA rulings confirmed 227 instances of group consumer rights violations across 516 individual cases. Due to non-compliance with binding obligations under the GCCA, 114 traders were penalised in 268 cases, incurring total fines of GEL 289,663. In addition, 134 conditional commitment agreements were signed across 151 cases in favour of consumers. Under these agreements, traders undertook binding commitments to amend their internal operating policies and restore the rights of consumers potentially affected by past commercial practices.E-commerce accounted for the vast majority of consumer grievances, with 69 per cent of submitted applications concerning online purchases, compared to 31 per cent for in-store transactions. Geographically, Tbilisi generated the largest share of complaints at 81 per cent, followed by regional submissions from Adjara (6%), Imereti (3%), Kvemo Kartli (2%), Kakheti (2%), and Samegrelo-Zemo Svaneti (2%).Broken down by the nature of consumer requests, 707 applications sought monetary refunds; 393 concerned the repair or replacement of defective goods, 431 concerned the restoration of rights over faulty services, and 227 covered other miscellaneous issues. By industry sector, wholesale and retail trade dominated the statistics at 67 per cent, followed by transport and storage (11%), arts, entertainment, and recreation (3%), and other commercial activities (19%).

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Over the past three months, 89.6 per cent of the population aged six and above used the internet, marking a 1.7 percentage point increase compared to the previous year. Usage stood at 92.9 per cent in urban areas and 83.9 per cent in rural communities, with virtually equal distribution between women at 89.7 per cent and men at 89.5 per cent. Across age demographics, usage peaked among 15-to-29-year-olds at 99.6 per cent. GeoStat noted that among internet users aged 15 and over, 96.4 per cent went online daily or almost daily, 3.4 per cent at least once a week, and 0.2 per cent less frequently.The survey revealed that the primary online activities for individuals aged 15 and over were dominated by social networking at 97.5 per cent and audio or video calling at 97.0 per cent. Internet banking was used by 61.0 per cent of respondents, followed by searching for health-related information at 54.5 per cent, researching goods and services at 50.2 per cent, and reading online news or publications at 49.0 per cent. Additionally, 41.7 per cent used the internet for email communications, 15.8 per cent for downloading software, and 11.5 per cent for job hunting or submitting applications.Over the past 12 months, 38.6 per cent of internet users aged 15 and over purchased or ordered goods and services online. E-commerce adoption stood at 42.7 per cent in urban settlements versus 31.0 per cent in rural areas, while usage among women reached 42.5 per cent compared to 34.2 per cent among men. By age group, online shopping was highest among 15-to-29-year-olds at 63.0 per cent, followed by those aged 30 to 59 at 39.9 per cent, and adults aged 60 and above at 17.5 per cent. Furthermore, connecting via wireless mobile devices was nearly universal, utilised by 99.8 per cent of active internet users over the last three months.Computer availability across households reached 57.9 per cent nationally, standing at 69.0 per cent in urban areas and 42.8 per cent in rural communities, with Tbilisi and Adjara leading regional figures at 74.1 per cent and 62.1 per cent respectively. Among individuals aged six and above, 49.9 per cent used a computer in the last three months, with the highest usage rate observed among children aged 6 to 14 at 89.3 per cent. Of these computer users, 70.0 per cent accessed a device daily or almost daily. Finally, mobile phone ownership among the population aged six and above rose by 0.7 percentage points to 93.3 per cent, reaching 95.2 per cent in urban areas and 90.1 per cent in rural regions.

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In addition, on the supply side, the residential area of ​​issued construction permits continued to increase. Despite the downward trend observed at the beginning of the year, the total area of ​​issued permits almost equaled the same period of the previous year. At the same time, an increasing trend in prices was observed in both segments: in the primary market, the rate of price growth accelerated, while in the secondary market, after stabilizing in previous months, prices began to increase again.DemandIn Jul-26, total number of sold apartments in Tbilisi, according to the Public Registry data, stood at 4,475 units, of which:• Sales on the secondary market increased significantly by 18.8% y/y to 2,294 (up 16.6% y/y in 7M26), reaching the highest monthly level after 2022.• Sales on the primary market, where data are impacted by delayed registrations, were up 24.4% y/y to 2,181 (up 19.9% y/y in 7M26).• Our real-time survey of developers, which captures current trends on the primary market, showed that number of apartments sold on the primary market increased significantly by 14.8% y/y. Cumulatively, the number of apartments sold on the primary market was up 30.1% y/y in 7M26. In total, 27,274 transactions were registered in Tbilisi in 7M26, bringing the residential market value to US$ 2.5bn (+27.3% y/y).SupplyIn Jul-26, the area of issued permits continued increasing, up 50.3% y/y (to 182,789 sq.m in 17 construction projects). Despite the earlier 8 consecutive months of declining trend, permit issuance rebounded over the last two months, bringing cumulative permitted living area in 7M26 broadly in line with the previous year, down just 0.3% y/y.PricesIn Jul-26, primary market price growth accelerated to 0.7% m/m, reaching US$ 1,426 per sq.m. The average price on the secondary market (for new buildings built with permits issued from 2013) was up 2.0% m/m, reaching US$ 1,372 per sq.m.RentsIn Jul-26, price for renting an average (50-60 sq.m) apartment in Tbilisi remained high at US$ 10.1 per sq.m (+0.3% m/m), keeping rental yield high at 8.5%.

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According to the NBG, additional protective mechanisms apply in cases where a tax service provider (including a commercial bank, micro-bank, registered tax service provider and microfinance organisation) simultaneously reveals four circumstances: Payment transaction is associated with high-risk fraud activity; An unusual pattern of consumer spending and behavior is identified; The amount of the payment operation exceeds 500 GEL; The age of the customer is above 60. “In all the cases listed above, the payment service provider is required to suspend the execution of the electronic payment transaction initiated by the user for 48 hours, contact the user, and provide appropriate information regarding risks or potential fraud in a simple and understandable manner.The customer will have 48 hours to make the final decision. If the customer decides to continue the operation, he/she should confirm to the service provider.The amendment complies with the best international practice. A similar approach, namely, a mechanism for suspending high-risk transactions of a certain volume, is in place in countries such as the U.S., Canada, Brazil, the United Kingdom and EU member states,” the NBG said.

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According to the National Bank of Georgia, the GEL portfolio is 44 million, and the foreign currency equivalent is 31 million. The retail portfolio of banks has increased by 17.3% annually, including up to 20% in GEL, and +7% in foreign currency Y.Y.The volume of lending to the resident household sector is 40.63 billion GEL.As of 7m/2026, the larization ratio of total loans is 58.7% (7m/2025 - 58.06%).

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Lion Finance Group (BGEO LN) shares closed at GBP 134.20/share (+2.52% w/w and +17.31% m/m). More than 216k shares traded in the range of GBP 130.50 - 135.60/share. Average daily traded volume was 51k in the last 4 weeks. The volume of BGEO shares traded was at 0.50% of its capitalization.TBC Bank Group (TBCG LN) closed the week at GBP 50.50/share (+5.87% w/w and +6.18% m/m). More than 265k shares changed hands in the range of GBP 47.70 - 51.35/share. Average daily traded volume was 55k in the last 4 weeks. The volume of TBCG shares traded was at 0.48% of its capitalization.Georgia Capital (CGEO LN) shares closed at GBP 44.00/share (+0.46% w/w and +10.00% m/m). More than 207k shares traded in the range of GBP 43.75 - 45.30/share. Average daily traded volume was 42k in the last 4 weeks. The volume of CGEO shares traded was at 0.60% of its capitalization. 

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