tbi bank profit net 18,4 mil. euro in S1 2023

tbi bank raportează un profit net de 18,4 milioane euro, în prima jumatate a anului 2023

Bucuresti, 4 octombrie 2023 – La nivel global, bancile de tip challenger ofera clientilor solutii eficiente cu sustinerea fintech. tbi, una dintre cele mai importante banci de tip challenger din Europa de Sud-Est, inregistreaza rezultate financiare remarcabile, prima jumatate a anului 2023 fiind inca o dovada in acest sens.

tbi bank, unul dintre cei mai dinamici si mai inovatori jucatori financiari din SEE, a raportat pentru primul semestru din 2023 un profit net neauditat, de 18,4 milioane de euro. In primele 6 luni, tbi a incheiat acorduri cu noi parteneri comerciali, inclusiv pe noi verticale de business, si este prezenta cu solutii de finantare alternative in peste 21.000 de magazine online si fizice ale partenerilor comerciali, pe principalele sale piete de activitate, Romania, Grecia si Bulgaria. Aceasta retea puternica de parteneriate a ajutat banca sa ocupe o pozitie de top in ceea ce priveste solutiile de finantare furnizate in toate cele trei tari. In plus, noi rezultate remarcabile pot fi observate pe toate liniile de business.

„In contextul in care multe banci de tip fintech se straduiesc sa gaseasca un model de afaceri functional, noi, la tbi, continuam sa demonstram ca putem inova si face profit in acelasi timp. Echipa noastra este dedicata si ofera mereu clientilor nostri cele mai bune solutii. Cardul neon lansat in Bulgaria si dezvoltarea constanta a canalelor de self-service (fluxuri de finantare 100% online) pe toate pietele noastre principale sunt cele mai bune exemple ale unei experiente bancare de ultima generatie. Privind spre finalul anului 2023, vom continua sa ne imbunatatim gama de produse si sa ne extindem reteaua de comercianti parteneri din Romania, Bulgaria si Grecia”, spune Petr Baron, CEO al tbi.

La nivelul portofoliului de clienti, in primul semestru din 2023, banca a deservit 1,1 milioane de cereri de finantare in Romania,  Grecia si Bulgaria, de doua ori mai mult decat in aceeasi perioada din 2022. In plus, 70% din cererile de credite retail au fost efectuate prin canale digitale 100% online (fata de 48% in S1 2022). Pana in luna iunie a acestui an, banca a acordat aproape 320.000 de finantari in valoare de 443 de milioane de euro – cu 35% mai mult fata de aceeasi perioada din 2022.

La finalul lunii iunie 2023, activele totale ale bancii se ridicau la 1,2 miliarde de euro (fata de 830 milioane euro in S1 2022), o crestere impresionanta de 46% fata de aceeasi perioada a anului trecut. Portofoliul de credite a crescut la 915 milioane euro la sfarsitul lunii iunie 2023 (crestere de 42% fata de S1 2022).

Pe baza rezultatelor bune de business, veniturile tbi au crescut cu 28% fata de primul semestru din 2022, atingand valoarea de 95 milioane euro, si au sustinut astfel o crestere a profitului operational care a atins pragul de 68 milioane euro in primul semestru.

In plus, depozitele atrase de tbi bank in prima jumatate a acestui an, au avut o crestere solida, peste cea a pietei – ajungand la 911 milioane de euro la sfarsitul lunii iunie 2023. Principalul motor al cresterii a fost portofoliul de depozite la termen din retail, unde cresterea a fost si mai mare, de 61% fata de iunie 2022.

Cresterea cheltuielilor băncii cu 25%, pana la 46 de milioane de euro, a fost determinata in principal de cresterea accelerata a portofoliului de credite si de investitiile in noi linii de afaceri (cardul neon) si noi piete (extinderea in Grecia).

De asemenea, banca inregistreaza o pozitie puternica si sigura din punct de vedere al lichiditatii, indicatorul LCR fiind de 389% (cu mult peste cerintele de reglementare), iar rata de adecvare a capitalului (CAR) a fost de 21,5%. Operatiunile tbi arata o disciplina mai buna in ceea ce priveste gestionarea costurilor (47,6% raportul costuri/venituri), la care se adauga o rentabilitate a portofoliului de credite de 21,4%, permitand ratei de rentabilitate a activelor (ROA) si ratei de rentabilitate a capitalurilor (ROE) sa ajunga la 3,2% si, respectiv, 19,2%.

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tbi bank reports EUR 18.4 million net profit in H1 2023

Bucharest, 4 Оctober, 2023 – Globally, challenger banks are on the rise – powered by fintech mindset they provide clever solutions to the customers but often fail to deliver solid and sustainable profit. In the meantime, in SEE there is one major challenger bank – tbi, and it keeps on showing remarkable financial results – with the first half of 2023 being another proof of that.

tbi bank’s consolidated unaudited financial results for H1 2023 show net profit of EUR 18.4 million. Throughout the first half of the year tbi onboarded new merchant partners, including new verticals, and is now present in more than 21.000 merchant partner check-out points on its main markets of operation – Romania, Greece and Bulgaria. This impressive reach helped the bank become one of the leaders in terms of provided Payment Plans in all three countries. Additionally, strong new performance can be seen in all business lines.

In H1 2023 tbi bank serviced 1.1 million loan applications in Romania Greece and Bulgaria, twice as much as for the same period of 2022. Moreover, 70% of applications for retail loans were made through self-service digital channels (compared to 48% in H1 2022) and contribute strongly to the business results. By June the bank disbursed nearly 320.000 payment plans at the amount of EUR 443 million – 35% more compared to the same period of 2022.

tbi reports an impressive 46% growth in total assets as to the end of H1 2023, reaching EUR 1.2 billion (from EUR 830 million at the end of H1 2022). The loan portfolio increased to EUR 915 million at the end of June 2023 (42% growth compared to H1 2022).

Based on such positive business performance, tbi bank’s revenue grew by 28% to EUR 95 million, allowing operating profit for H1 2023 to reach EUR 68 million.

Also, tbi bank’s deposit portfolio reached EUR 911 million at the end of June 2023 – well outperforming the market and demonstrating a solid growth of 55% compared to June 2022. The main driver was retail term deposits portfolio, where the increase was even higher with 61% compared to June 2022.

The increase in the bank’s general expenses by 25% to EUR 46 million was mainly driven by accelerated growth of loan portfolio and investments into new business lines (neon solution) and markets (Greece scale-up).

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 389% (much above regulatory minimum) and the capital adequacy ratio (CAR) – 21.5%. tbi bank’s operations are showing improving discipline in terms of cost management (47.6% cost to income ratio) and are combined with return on loan portfolio at 21.4%, allowing the return on assets (ROA) and the return on equity to reach 3.2% and 19.2%, respectively.

“In times when many challenger banks struggle to find a working business model, we at tbi continue to prove that you can innovate and be profitable, says Petr Baron, CEO of tbi. Our dedicated team doesn’t stop delivering best-in-class solutions for our customers. The neon card launched in Bulgaria and the constant development of the self-service channels on all our main markets are best examples for ultimate mobile-first daily banking experience. Looking towards the end of 2023 we will continue to improve our products proposition and expand our merchant network in Romania, Bulgaria and Greece”.