Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — H1 2025 Earnings Presentation
43 slides from Banca Transilvania Sa's earnings presentation, Aug 27, 2025
Slide 1: Banca Transilvania H1 2025 Financial Results
Banca Transilvania H1 2025 Financial Results The 27th of August 2025
Slide 2: Disclaimer
DISCLAIMER The information contained in the present undertakes no obligation to update publicly any document has not been independently verified of them in light of new information or future and no representation or warranty expressed or events. None of Banca Transilvania or any of its implied is ma
Slide 3: 2025 BT Overview
2025 BT OVERVIEW BT STANDALONE 2020 2021 2022 2023 2024 2025 H1 TOTAL ASSETS (YoY) +18.2% +21.0% +7.1% +20.8% +13.9% +15.7% NET LOANS (YoY) +4.6% +29.4% +21.5% +12.8% +13.8% +27.8% TOTAL DEPOSITS (YoY) +18.8% +16.3% +13.4% +15.4% +12.2% +14.0% L/D (gross) 49.3% 54.4% 57.9% 56.5% 57.2% 64.2% NII (YoY
Slide 4: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 5: Romanian Economy
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ROMANIAN ECONOMY ENDOGEN & EXOGEN FACTORS RELATIVELY HIGH WEALTH IN THE CEE TO SUSTAIN OUTPERFORMANCE GDP per capita 2024 (PPS, EU27_2020 = 100) EU 100 • Romania is the 2nd largest economy in • Gover
Slide 6: Banking Sector Evolution
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BANKING SECTOR EVOLUTION LENDING GROWTH HIGHER THAN THE EU AVG. DEPOSITS WELL ABOVE THE EU AVG. STRONG ASSET QUALITY AND ROBUST CAPITAL Corporate loans (%, YoY) Corporate deposits (%, YoY) NPL ratio
Slide 7: Banking Sector Indicators
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BANKING SECTOR INDICATORS ROMANIAN BANKING SECTOR KEY HIGHLIGHTS OF MARKET SHARES BY TOTAL ASSETS* THE BANKING SECTOR INCREASED EVOLUTION OF RESILIENCE ASSET QUALITY 235 % 2.81 % Liquidity coverage N
Slide 8: Sovereign ratings affirmed, new fiscal measures adopted
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group SOVEREIGN RATINGS AFFIRMED, WHILE NEW FISCAL MEASURES ADOPTED/PROPOSED TO EASE BUDGET DEFICIT S&P GLOBAL – JULY 2025 FITCH – AUGUST 2025 • S&P Global has affirmed Romania's sovereign ratings at • Fit
Slide 9: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 10: BT Performance
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT PERFORMANCE INDIVIDUAL CONSOLIDATED PROFITABILITY H1 2025 H1 2024 ∆ H1 2025 H1 2024 ∆ Net interest income RON | MN 3,194.1 2,674.5 19.4% 3,914.1 3,124.4 25.3% Net fee and commission income RON | M
Slide 11: BT Individual: Trends in Income
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group TRENDS IN INCOME RON | MN NIM 7.00% 6.75% 6.50% 6.50% BT INDIVIDUAL Net interest Net fee & Net trading Net gain/loss income commission income from fin. income assets 4.73% 3,194 3.95% 3.91% 2,675 3.4
Slide 12: BT Individual: Trends in Opex
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group TRENDS IN OPEX RON | MN C/I RATIO Personnel Depreciation Other 41.70%** BT INDIVIDUAL expenses and operating 1,098 amortization expenses* 965 48.3% 47.5% 45.4% 48.3% 48.0% 45.1% 747 49.7% 45.3% 48.1%
Slide 13: Sustained Portfolio Growth
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group SUSTAINED PORTFOLIO GROWTH LOANS TO HOUSEHOLD 22.8%* BT INDIVIDUAL 35% 14.6 17.0 Fix Consumer Consumer 93% 33.9 41.6 RON 31% 19.3 24.6 Floating BN RON Housing BN RON Housing (Fix Introd) 7% FCY 34% 0
Slide 14: Growing Depositor's Base
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group GROWING DEPOSITOR’S BASE DEPOSITS FROM HOUSEHOLD 8.0%* BT INDIVIDUAL 60% 54.3 59.9 RON 98.0 Deposits 105.9 Deposits BN RON BN RON 40% 43.7 46.0 FCY Current Current accounts accounts Jun’25 Dec’24 Jun
Slide 15: Retail Banking: New Production
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group RETAIL BANKING: ~RON 7.1 BN NEW PRODUCTION (ORGANIC) RETAIL LOANS, RON BN RETAIL DEPOSITS, RON BN BT INDIVIDUAL 2.3% 2.3% 2.1% 8.7% 8.3% 7.8% 0.6% 0.9% 6.8% 0.4% 6.1% 5.5% 8.0%* 22.8%* 4.8 5.2 98.0 1
Slide 16: Corporate Banking: New Production
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group CORPORATE BANKING: ~RON 9.7 BN NEW PRODUCTION (ORGANIC) LARGE CORPORATE LOANS, RON BN MID CORPORATE & SME LOANS, RON BN BT INDIVIDUAL 6.3% 6.1% 8.3% 9.3% 8.7% 8.5% 4.8% 5.5% 6.4% 3.2% 2.8% 4.2% 13.9%
Slide 17: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 18: Confident Group Capital Ratios Evolution
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group CONFIDENT GROUP CAPITAL RATIOS EVOLUTION CAPITAL RATIOS (FOR H1 2025), % OWN FUNDS’ STRUCTURE AS OF JUNE 2025, % BT GROUP 20.77% 20.77 17.84% 2.93 47.2 % 10.3 % 18.63% CET1 CET 1 Tier 2 6.00 Capital
Slide 19: Increased Capital Adequacy and Constant Risk Density
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group INCREASED CAPITAL ADEQUACY AND CONSTANT RISK DENSITY CAPITAL RATIOS (FOR H1 2025), % OWN FUNDS’ STRUCTURE AS OF JUNE 2025, % BT INDIVIDUAL 21.85% 21.85 17.86% 3.99 51.5 % 10.5 % 19.55% CET1 CET 1 Tie
Slide 20: Prudent Underwriting Leading to Strong Asset Quality
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group PRUDENT UNDERWRITING LEADING TO STRONG ASSET QUALITY BT NPL EBA & NPL COVERAGE RATIO, % COST OF RISK, % 3.83% 1.90% 3.35% 2.65% 2.81% 2.37% 2.48% 1.84% 3.46% 2.71% 2.65% 2.44% 1.98% 2.07% 0.89% 0.76%
Slide 21: High Liquidity Levels Maintained
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group HIGH LIQUIDITY LEVELS MAINTAINED LIQUIDITY RATIOS EVOLUTION MREL STRATEGY - UPDATES 767% 362 BPS 101 BPS 528% 747% 535% 514% 505% 506% 373% 33.72% 32.71% 461% 268% 31.70% 30.10% 355% 267% 11.83% 6.00
Slide 22: High Liquidity Levels Maintained
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group HIGH LIQUIDITY LEVELS MAINTAINED LIQUID BALANCE SHEET, RON BN HIGH QUALITY ASSETS, RON 68.1 BN 62.4% BT INDIVIDUAL FVOCI 34.3% HTC 6.7 15.2 3.1 % Other Equity FVTPL 5.8 5.3 0.3% Due from Other Deriva
Slide 23: Strong Capital Position Confirmed in EBA Stress Test
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group STRONG CAPITAL POSITION CONFIRMED IN EBA STRESS TEST BANCA TRANSILVANIA GROUP FIRST-TIME PARTICIPATION IN 2025 EBA’S EU-WIDE STRESS TEST CET 1 (%) DEPLETION (ADVERSE SCENARIO 3Y) LEGEND -304 bps EU A
Slide 24: BT's Credit Ratings
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT’S CREDIT RATINGS MOODY’S – YE2024 FITCH – YE2024 Long- and Short-Term Counterparty Risk Ratings Foreign Currency Baa1/P-2 (CRRs) Long-Term IDR BBB- Long- and Short-Term Deposit Ratings Baa2/P-2 Sh
Slide 25: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 26: Our 2nd Impact and Allocation Report
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group OUR 2ND IMPACT AND ALLOCATION REPORT ALLOCATION AND IMPACT REPORT IMPACT PER EUR MN OUR 2ND IMPACT AND ALLOCATION REPORT EACH EUR MN OF OUR 40/60 SUSTAINABILITY WAS PUBLISHED IN JUNE 2025 BONDS (40/6
Slide 27: Our 2nd Impact and Allocation Report
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group OUR 2ND IMPACT AND ALLOCATION REPORT IMPACT OF GREEN LOANS IMPACT OF SOCIAL LOANS ANNUAL GHG EMISSIONS TOTAL CONTRIBUTION TO AVOIDED/REDUCED ROMANIAN GROSS OUTPUT 6,422 tCO2e/year +32% 6,684 EUR | MN
Slide 28: Sustainability & ESG
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group SUSTAINABILITY & ESG REPORTING SECTORIAL FOCUS • Mar-25: We published our first Sustainability Agriculture and Healthcare are areas of focus with Statement drawn-up in accordance with the direct econ
Slide 29: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 30: BT Pay: Tailored Ecosystem to Fit Your Lifestyle
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT PAY: TAILORED ECOSYSTEM TO FIT YOUR LIFESTYLE ENROLLED USERS, MOBILE/NFC PAYMENTS VOLUME OF TRANSFERS AS OF 30 JUNE 2025 AS OF 30 JUNE 2025 AS OF 30 JUNE 2025 4.2 MN 150 MN 62 % 28% H1’25 / H1’24
Slide 31: BT Go: All-in-One Banking Platform for Entrepreneurs
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT GO: ALL-IN-ONE BANKING PLATFORM FOR ENTREPRENEURS MAKING BUSINESS FINANCIAL MORE INCLUSIVE FOR TRANSACTIONS 380 11 K RON MN ENROLLED TRANSACTIONS ROUTED USERS THROUGH BT GO SAVINGS ONLINE CARDS 40
Slide 32: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 33: BT Financial Group: Highlights
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT FINANCIAL GROUP: HIGHLIGHTS BANCA TRANSILVANIA BT LEASING • ~22% estimated market share H1 2025 • BT Leasing celebrates 30 years • EUR 5.6 billion market cap (+12% vs. YE24) • “The Leasing Company
Slide 34: BT Financial Group Overview
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT FINANCIAL GROUP OVERVIEW Net Profit Net Profit Net Profit Net Profit RON 1,776.4 MN RON 24.9 MN RON 16.4 MN RON 23.4 MN Total Assets Total AUM Total Assets Total Assets RON 195,725 MN RON 6,923 MN
Slide 35: Synergies with OTP
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group SYNERGIES WITH OTP VALUE-ADDING PORTFOLIO FROM OTP REFLECTS …WHILE EFFICIENCES OF SCALE STARTED INTO A MORE OPTIMIZED BALANCE-SHEET… TO KICK-IN AND EXPECTED TO CONTINUE ✓ Improved Loans-to-Deposits r
Slide 36: Banca Transilvania: 2025 Guideline
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BANCA TRANSILVANIA BT STANDALONE 2020 2021 2022 2023 2024 2025 H1 GUIDELINE 2025* * NET LOANS (YoY) +4.6% +29.4% +21.5% +12.8% +13.8% +27.8% +8% 20% TOTAL DEPOSITS (YoY) +18.8% +16.3% +13.4% +15.4% +
Slide 37: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 38: Annex 1: Income Statement, IFRS Individual
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ANNEX 1: INCOME STATEMENT, IFRS INDIVIDUAL RON | MN H1 2025 H1 2024 YoY Q2 2025 Q1 2025 Q2 2024 QoQ Net interest income 3,194.1 2,674.5 19.4% 1,658.9 1,535.2 1,349.8 8.1% Net fee and commission incom
Slide 39: Annex 1: Balance Sheet, IFRS Individual
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ANNEX 1: BALANCE SHEET, IFRS INDIVIDUAL RON | MN JUN-25 DEC-24 JUN-24 ∆ YTD ∆ YoY Cash & cash equivalents 19,135.7 16,908.4 24,860.2 13.2% -23.0% Placements with banks and public institutions 5,782.5
Slide 40: Annex 2: Income Statement, IFRS Consolidated
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ANNEX 2: INCOME STATEMENT, IFRS CONSOLIDATED RON | MN H1 2025 H1 2024 YoY Q2 2025 Q1 2025 Q2 2024 QoQ Net interest income 3,914.1 3,124.4 25.3% 1,952.6 1,961.5 1,581.5 -0.5% Net fee and commission in
Slide 41: Annex 2: Balance Sheet, IFRS Consolidated
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ANNEX 2: BALANCE SHEET, IFRS CONSOLIDATED RON | MN JUN-25 DEC-24 JUN-24 ∆ YTD ∆ YoY Cash & cash equivalents 21,319.7 21,950.2 27,131.2 -2.9% -21.4% Placements with banks and public institutions 7,122
Slide 42: Definitions and Abbreviations
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group DEFINITIONS AND ABREVIATIONS BT Banca Transilvania Impairment or reversal of impairment, including recoveries, divided by COST OF total gross loans and advances to customers and financial lease NBR N
Slide 43: Thank You
THANK YOU investor.relations@btrl.ro +40 264 407 150 +40 264 301 128 Calea Dorobantilor, Nr. 30- 36, Cluj-Napoca, Romania