BFF launches its operations in Spain to serve
multinational companies operating in the Spanish market.

BFF becomes fully licensed bank.

The online deposit account Conto Facto is launched in Italy.
BFF starts cross border activity towards Portugal.

Cuenta Facto is launched
in the Spanish and German markets.

BFF expands its international footprint with the acquisition of the leading group
in public sector credit management in Poland, Slovakia and Czech Republic.

On April 7, BFF is listed on the Mercato Telematico Azionario ("MTA") of the Milan Stock Exchange.
In September, BFF starts its cross border activities in Greece.

BFF enters the Croatian market.