București, 14 decembrie, 2022 – Mediul de business din ultimii ani a venit cu numeroase provocări pentru multe companii din întreaga lume. Succesul nu a fost niciodată mai greu de obținut, fiind nevoie de un management agil, echipe cât mai implicate și o atenție sporită acordată clienților. Combinând toate aceste elemente, tbi bank continuă să înregistreze record după record.
Rezultatele financiare consolidate neauditate ale tbi bank pentru primele nouă luni ale anului 2022 arată un profit net record, de 30,2 milioane de euro – cu 33% mai mare decât în aceeași perioadă a anului 2021 și deja mai mare în comparație cu cele 27,5 milioane de euro obținute pe parcursul întregului an precedent.
Fiind unul dintre liderii din domeniul soluțiilor alternative de plată din Europa de Sud-Est, tbi a continuat să încheie acorduri cu noi parteneri și este acum prezentă în aproape 20.000 de locații comerciale pe piețele sale principale de operare -, România, Grecia si Bulgaria. Ca urmare, în primele nouă luni ale anului 2022, tbi bank a gestionat aproape 850.000 de cereri de împrumut în România, Grecia, Bulgaria și a acordat aproape 400.000 de credite în valoare de 520 de milioane de euro – o creștere de 36% față de anul precedent.
În plus, activele totale ale băncii au ajuns la 909 milioane de euro – marcând o creștere de 200 de milioane de euro pe parcursul anului, până în prezent (o creștere de 28% față de sfârșitul anului 2021), în timp ce portofoliul de credite a ajuns la 718 milioane de euro la sfârșitul lunii septembrie 2022 (cu o creștere de 32% față de sfârșitul anului 2021). De la începutul anului 2022, creșterea poate fi observată în fiecare linie de afaceri din România. Creditele cu destinație generală (creștere de 26% septembrie vs decembrie), creditele la puncte de vânzare (creștere de 31% septembrie vs decembrie) și Business banking (creștere de 30% septembrie vs decembrie) au contribuit puternic la rezultatele tbi bank.
Pe baza acestei performanțe de business, veniturile băncii au crescut cu 29%, până la 115 milioane euro. Acest lucru a permis ca profitul operațional pentru cele nouă luni ale anului 2022 să ajungă la 91,6 milioane euro, cu o creștere de 30% față de anul precedent. De asemenea, portofoliul de depozite al tbi bank a ajuns la 652 de milioane de euro la sfârșitul lunii septembrie 2022 – depășind cu mult piața și demonstrând o creștere solidă de 33% – în linie cu creșterea portofoliului de credite.
La sfârșitul perioadei analizate, banca avea o poziție puternică atât din punct de vedere al lichidității, cât și al capitalului – pe bază consolidată, rata de acoperire a lichidității (LCR) fiind de 521%, iar rata de adecvare a capitalului (CAR) – 17,1%. Operațiunile tbi bank au beneficiat de pe urma disciplinei în ceea ce privește îmbunătățirea eficienței (48,6% raportul costuri/venituri) și rentabilitatea portofoliului de lucru (ROWP) de 23,7%, ceea ce a permis ca rentabilitatea activelor (ROA) să ajungă la 5%, iar rentabilitatea capitalurilor proprii să se situeze la 23%.
„Cifrele noastre record pentru cele nouă luni reflectă performanța puternică a produselor și serviciilor noastre, precum și implicarea echipei. În această perioadă, ne-am extins și mai mult rețeaua de parteneri, am lansat soluțiile alternative de plată în Grecia, unde avem parteneriate cu 1.500 de comercianți și am inclus noi verticale în România și Bulgaria. Până la sfârșitul anului, ne vom concentra în principal pe furnizarea de soluții digitale, care vor asigura un mai mare confort și o mai bună experiență pentru clienții noștri”, spune Petr Baron, CEO tbi.
Despre tbi bank
𝐭𝐛𝐢 bank este o bancă de tip ”challenger” din Europa de Sud-Est și lider BNPL în regiune, care se adresează consumatorilor, comercianților și IMM-urilor, oferind finanțare și servicii suplimentare integrate prin intermediul unei rețele largi de canale și platforme “phygitale”. În prezent, operează în Bulgaria, România, Grecia, Germania și Lituania. Prin diverse canale digitale, o rețea proprie de 300 de sucursale și parteneriate de încredere cu circa 20.000 de comercianți, 𝐭𝐛𝐢 a deservit aproape 2 milioane de clienți până în septembrie 2022. Modelul său de afaceri de succes și abordarea orientată spre client au dus la transformarea sa într-una dintre cele mai profitabile și eficiente bănci din Europa de Sud-Est.
***
Bucharest, 14 December, 2022 – The external environment in the past years has been challenging for many businesses around the world. Success has never been harder to achieve, requiring agile management, team commitment, and customer focus. Combining these elements tbi bank continues its record-breaking path.
tbi bank’s consolidated unaudited financial results for the first nine months of 2022 show all-time record net profit of EUR 30.2 million – 33% higher than the same period of 2021 and already higher compared to the EUR 27.5 million achieved during the full previous year.
Being one of the leaders in alternative payment solutions in South-Eastern Europe, tbi continued to onboard new partners and is now present in almost 20.000 merchant locations on its core markets of operation – Bulgaria, Romania, and Greece. As a result, in the first nine months of 2022 tbi bank serviced almost 850 thousand loan applications in Bulgaria, Romania and Greece and disbursed nearly 400 thousand loans at the amount of EUR 520 million – 36% YoY growth.
Subsequently, the Bank’s total assets reached EUR 909 million – marking EUR 200 million growth during the year so far (28% growth compared to the end of 2021), while the loan portfolio increased to EUR 718 million at the end of September 2022 (32% growth compared to the end of 2021). Since the beginning of 2022, growth can be seen in every business line in Romania. General Purpose loans (up 26% year to date), Point-of-Purchase loans (up 31% year to date) and Business banking (up 30% year to date) all contributed strongly to tbi bank’s results.
Based on such positive business performance, the Bank’s revenue grew by 29% to EUR 115 million. This allowed operating profit for nine months of 2022 to reach EUR 91.6 million with 30% YoY growth. Also, tbi bank’s deposit portfolio reached EUR 652 million at the end of September 2022 – well outperforming the market and demonstrating a healthy growth of 33% – in line with loan portfolio growth.
At the end of the period the Bank had a strong and well secured position from both liquidity and capital sides – on consolidated basis the liquidity coverage ratio (LCR) being at 521% and the capital adequacy ratio (CAR) – 17.1%. tbi bank’s operations were combined with discipline in terms of improving efficiency (48.6% cost to income ratio) and return on working portfolio (ROWP) of 23.7%, which allowed the return on assets (ROA) to reach 5% and the return on equity to stand at 23%.
“Our all-time record high nine months numbers come as a reflection of the strong performance of our products and services as well as the dedication of the team. During this period, we expanded furthermore our partner network as we rolled out our alternative payments solutions in Greece, now partnering with 1.500 merchants, and joined forces with new industry verticals in Bulgaria and Romania. Our main focus until the end of the year will be on providing more digital solutions, which will provide improved convenience and customer experience for our clients’ needs”, said Petr Baron, CEO at tbi.
About tbi bank
tbi bank is a Southeast Europe Challenger Bank and alternative payments solutions leader in the region focusing on consumers and merchants by providing financing and additional embedded services through a wide network of phygital channels and platforms. Currently the Bank operates in Bulgaria, Romania, Greece, Germany, and Lithuania. Through various digital channels, an own network of 300 physical locations and trusted partnerships with almost 20.000 small and large merchants and retailers, tbi has served almost 2 million clients by September 2022. Its successful business model and customer-focused approach resulted in becoming one of Southeast Europe’s most profitable and efficient banks.
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