tbi bank is a Southeast Europe Challenger Bank, focusing on consumers & merchants by providing financing and additional embedded services through a wide network of ‘phygital’ channels and platforms. Currently operates in Bulgaria, Romania, Greece, Germany, and Lithuania. Through various digital channels, an own network of 300+ physical locations and trusted partnerships with nearly 20,000 merchant locations, tbi has a customer portfolio of 2 million clients in 2021 and issued nearly half a million loans.