Regions & Business
Business lines
Regions
REGIONS & BUSINESSES: BUSINESS LINES

Banking

Banking includes the full range of banking activity with strong focus on retail and SME. TBIF has been active in banking in Russia and Ukraine (the Ukrainian operation was exited in 2011). Bank's services are accessed through well-developed distribution channels with a full country coverage, teller machines ("ATMs") or electronic banking systems.

Consumer finance

Main products provided are: POS consumer loans, Cash loans, Credit Cards. Consumer Finance products are provided by TBIF subsidiaries in Russia, Romania and Bulgaria. Distributed via own points-of-sale at major retail chains, via independent merchants or trough own credit centers (outlets).

Leasing

Leasing includes finance and operational leasing. Financial leasing is predominant at the moment - the main assets leased are vehicles (cars, trucks, buses), equipment and real estate. The operational leasing was launched in 2006 and is focused on providing mainly car rent services. Distributed via car dealers, equipment suppliers and own branch network in Ukraine, Romania, Bulgaria and Russia.

Mortgages

Mortgages are provided in Bulgaria through a special vehicle and through Sovcombank in Russia . Distributed via own branches or mobile loan consultants. The loans are secured by first ranking mortgage over eligible real estate.