In Q1 2025, tbi bank serviced more than 575,000 loan applications (+12% YoY) and disbursed loans of EUR 300 million (+17% YoY)

tbi bank’s consolidated unaudited financial results for the first quarter of 2025 show net profit of EUR 14 million, 22% higher than the EUR 11.6 million profit achieved for the same period of last year.

During this period, the bank serviced more than 575,000 loan applications (12% growth YoY) and disbursed loans in the amount of EUR 300 million (17% YoY increase) in its core markets of operation – Bulgaria, Romania and Greece.

tbi bank reports 18% growth in total assets as of the end of Q1 2025, reaching EUR 1.85 billion. The loan portfolio stands at EUR 1.34 billion (23% growth compared to the end of Q1 2024). Based on such positive business performance, tbi bank’s operating income grew by 25% to EUR 73 million.

Also, tbi bank’s deposit portfolio reached EUR 1.4 billion at the end of March 2025, driven mainly by the digitalization of retail savings and the launch of new products.

At the end of March 2025, the liquidity coverage ratio (LCR) stood at 657% (well above the banking sector average) and the capital adequacy ratio (CAR) – 21.2%.

tbi bank’s operations are showing constant improving discipline in terms of cost management (43% cost-to-income ratio in Q1 2025 compared to 47% in Q1 2024). They are combined with the return on loan portfolio at 21%, allowing the return on equity to reach 20%.

For its successful business model, tbi bank was once again recognized as the most efficient and profitable bank in Bulgaria by the K10 ranking. Recently, the global US investor Advent International signed a definitive agreement to acquire tbi bank from 4finance Holding S.A. The transaction is subject to customary regulatory approvals and is expected to close in Q4 2025. Following this announcement, Moody’s changed the bank’s rating outlook from “stable” to “positive”.

____________

tbi bank is a challenger bank in South-East Europe and a regional leader in alternative payment solutions, combining financing and shopping services to meet customers’s; current needs and future consumer trends. Active in Bulgaria, Romania, Greece, Germany, and Lithuania, tbi bank supports more than 31,000 merchants, has a customer base of more than 2 million customers and granted more than 1.000.000 loans in 2024.

In Romania, over 300,000 users are constantly using the shopping app created by tbi bank to offer quick and advantageous access to the best deals in 4 interest-free installments or up to 60 fixed installments.