Over the past 30 years, TF Bank expanded geographically from its headquarters in Borås and now operates with local offices in several European countries. TF Bank has since start had a strong and profitable growth.

TF Bank operates in three complementary segments, all of which utilise the Company’s IT platform and credit models and have strong cross-selling opportunities, Credit Cards, Ecommerce Solutions and Consumer Lending. Credit Cards with focus on offering credit cards, Ecommerce Solutions offering digital payment solutions primarily to online retailers and Consumer Lending with focus on offering unsecured consumer loans. The target group for all services is creditworthy individuals and the loan amounts are relatively small with short repayment terms. The product offer differs between various markets and is adjusted according to the specific conditions in each country. TF Bank also offers deposit products in several markets.

Strengths and competitive advantages

• Fast-growing pan-European credit and payment platform.
• Proven ability to expand into new geographic markets – from the Swedish base to a broad European presence.
• Focused operations targeting distinct market niches.
• Operates through three complementary segments with cross-selling opportunities which are made possible by a scalable and flexible IT-platform.
• Risk-aware organisation with a stable capital position.
• Attractive financial profile with historical demonstrated ability to generate high returns.