About us

TBI Bank is challenging the established view of banking. We used to operate as a specialized offline and online lender for individuals and SMEs in Bulgaria and Romania. We are now focused on becoming a next generation digital lender and we already serve customers in Germany, Denmark, and Poland.

We will not only improve the financial lives of our current customers, but also of those underserved by their existing banks and those who prefer a digital relationship with their bank. We will continue to expand the borders of our operations, engaging customers across Europe through an online-based journey, developed by the best minds in finance and technology.

Our evolution takes place by mixing our banking experience with FinTech know-how and by incorporating the cutting-edge innovations that we develop together with 4finance Group, our parent company. The goal is to bring simplicity to the banking experience by implementing new customer centric systems and online product lines, built intelligently, flexibly and with the future in mind.

Since mobile devices dominate our customers’ lives, we will give them the ability to monitor and control their finances through mobile solutions. We will alert our clients of financial opportunities, earning the right to be on their devices. And we won’t stop there. Through a strong partners’ network, TBI Bank will create a financial platform and a marketplace, offering commercial deals, products and services that our customers demand and deserve.

Our high performing talented team is creating a culture of continuous digital improvement in a transparent and regulated environment to benefit our customers. Because it is our belief, that everyone should be able to enjoy a healthy financial life.

We put people first
People – be they our customers or our еmployees – are at the heart of everything we do. We strive to help the world’s financially underserved, meet their financial needs today and build stronger foundations for tomorrow. We seek to create supportive, rewarding and empowering workplaces that enable our еmployees to grow their talent and their capabilities. We love what we do!

We keep things simple
We believe that financial services should be clear, simple and delivered on our customers’ terms. We seek simple and elegant solutions to complex problems. We strive for transparency in the way we operate inside and out. We are open, honest, straightforward with each other, with our stakeholders and with our customers. We live and love tech! We believe cutting edge technology can deliver simple and yet transformative experiences for our customers.

We strive for excellence
We encourage our people to be bold, curious and pioneering. We trial, we learn, we iterate. We deliver continuous improvement across our products and throughout our business. We are not afraid to fail, we don’t stigmatize failure; we learn, and we celebrate success. We don’t stop at good enough, we seek great. We challenge ourselves and our colleagues.

We act responsibly
We seek to do the right thing across all aspects of our business. We’re a responsible lender, and a socially responsible business. We care about the environment. We give back to our communities. We treat customers fairly. We respect all laws. We promote diversity, we celebrate differences, we respect and trust each other. We take responsibility for our actions. We lead by example.

We are entrepreneurial
We are entrepreneurs – from start-up to scale-up, from ideation to execution. We are driven by a passion for what we do. We never give up. We never stop! We never surrender! We identify whitespace and deliver unique solutions that give us a sustainable competitive advantage. We seek not to copy, but to innovate. We leverage the latest technology in all we do. We love challenge, we love solving tough problems, we respect our competition, whilst we love winning more.

Our story began in 2002, when TBIF Financial Services (TBIF), a former Kardan Group Dutch subsidiary, established TBI Credit in Bulgaria. Until then, Kardan group operated in Bulgaria through TBIH, managing pension and insurance companies such as Doverie and Bulstrad.

We set up additional companies, such as TBI Invest, TBI Leasing, TBI Rent and TBI Asset Management, creating one of the largest non-banking networks in the country. This was the time when we first set foot on the Romanian market offering financial services and products to retail and business clients.

We entered the banking sector in 2011, when TBIF acquired the Bulgarian branch of Nova Ljubljanska Banka (Slovenia). This led to the consolidation of all our businesses and the birth of TBI Bank. Since then, we have been offering simple and convenient products and services in the field of consumer finance and business lending.

When 4finance Holding acquired TBIF in 2016, TBI Bank joined the global leader in digital consumer finance. This helped us improve the speed and efficiency of our existing business and opened a new field of opportunities for growth.

Today, TBI Bank operates in Bulgaria, Romania, Germany, Denmark, and Poland has been consistently named among the most profitable banks in Southeast Europe. We serve more than 1 million registered customers through a trusted network of almost 7.000 sales points.

Our customer focus propels us to strengthen our position as a next generation digital lender aimed at improving our clients’ financial lives. Yes, we meet everyday challenges in this technological transformation, and it is by no means a cloudless journey. But our team of experienced and highly motivated experts makes this possible, and that’s why we focus on customers just as much as we nurture our employees.

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