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tbi bank, regional leader in alternative payment solutions (BNPL), reports a record net profit for 2022: 35.5 million euros, 29% higher than in 2021

31 martie 2023

𝐭𝐛𝐢 has a customer base of 2 million clients and issued nearly 550,000 loans in 2022

tbi bank’s consolidated unaudited financial results for 2022 show an all-time record net profit of EUR 35.5 million, 29% higher than the EUR 27.5 million achieved in 2021. The bank quickly adjusted to the market environment and consumer preferences, which helped both retail and SME business lines to grow above market trends and contribute positively to the overall result.

„Being one of the SEE leaders in alternative payment solutions, allowing customers to split their payments over time, in 2022 tbi bank received 1.3 million financing applications in Romania, Greece and Bulgaria, and disbursed nearly 550 thousand payment plans at the amount of EUR 726 million, 34% more compared to 2021.” – according to the press release.

Growth can be seen in both retail and SME sectors in Bulgaria and Romania.

„tbi reports an impressive 54% (+ EUR 380 million) growth in total assets at the end of 2022, reaching EUR 1.1 billion. The loan portfolio increased to EUR 778 million at the end of December 2022, up by 43% compared to 2021. In 2022, in Romania, the bank achieved a very good performance with the highest growth coming from SMEs, of more than 40%, and the retail business closely following with a solid 37% increase, thus contributing strongly to tbi bank’s results.” – the bank explains.

tbi bank’s revenue grew by 30% to EUR 161 million last year. This allowed operating profit for 2022 to reach EUR 122 million, with 28% year-on-year growth. The bank’s general expenses increase by 30% to EUR 79 million was mainly driven by accelerated growth of loan portfolio and investments into new business lines (neon solution) and markets (Greece scale-up). Pre-tax profit amounted to EUR 43 million.

tbi bank’s deposit portfolio reached EUR 796 million at the end of December 2022, demonstrating a record growth of 63% – „substantially outperforming the market”. Superior value proposition and continuous customer trust made retail deposits the main driver of this growth, which also resulted in even higher increase of customer base with nearly 70% compared to 2021.

At the end of the period, the Bank had a strong and well-secured position from both liquidity and capital sides. On a consolidated basis, the liquidity coverage ratio (LCR) was at 592%, much above the regulatory minimum of 100%, and the capital adequacy ratio (CAR) was 22.1%. tbi bank’s operations with ever-improving efficiency, with 49.8% cost-to-income ratio, were combined with return on the working portfolio (ROWP) at 23.8% and allowed the return on equity (ROE) and the return on assets (ROA) to reach 20.6% and 4%, respectively.

In times of ongoing uncertainty around the world, tbi’s business model keeps delivering fast and profitable growth – our 2022 record-breaking financial performance is proof of that. They are a result of best-in-class execution by our dedicated team that keeps on developing an ecosystem for financing and shopping for both our merchants and mutual customers, used day in, and day out. As we inevitably start to think about what 2023 holds, we will continue to develop innovative products and services that improve our customers mobile-first daily banking experience – our new neon solution being the best example for that – and expand our merchant network in Romania, Greece and Bulgaria”, says Petr Baron, CEO of tbi.


𝐭𝐛𝐢 bank is a mobile-first challenger bank in South East Europe and regional leader in alternative payment solutions, building an ecosystem by combining financing and shopping to address customers’ needs. It focuses on helping merchants to grow their business as well as providing consumers with financial products and services that make their lives easier. Currently operates in Bulgaria, Romania, Greece, Germany, and Lithuania. Through various digital channels and trusted partnerships with nearly 20,000 merchant locations, 𝐭𝐛𝐢 has a customer base of 2 million clients and issued nearly 550,000 loans in 2022. Its business model and customer-focused approach resulted in becoming one of the most profitable and efficient banks in the region.

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