TF Bank is an internet-based niche bank offering consumer banking services and e-commerce solutions through a proprietary IT platform with a high degree of automation. The platform is designed for scalability and adaptation to different products, countries, currencies and digital banking solutions. We carry out deposit and/or lending activities with consumers in Sweden, Finland, Norway, Denmark, Poland, Germany, Austria, Estonia, Lithuania and Latvia through subsidiaries, branches or cross-border banking. The operations are divided into three segments: Consumer Lending, Ecommerce Solutions and Credit Cards. TF Bank was founded in Sweden in 1987 and has since the very start exhibited a strong track-record of profitable growth. From our Swedish base we have established a broad North European presence, and today we serve about 1 million customers through various brands across our markets. TF Bank is listed in the mid cap segment at Nasdaq Stockholm since 2016.