Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Investor Day (2026)
19 slides from Banca Transilvania Sa's investor day presentation, 2026
Slide 1: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH
Slide 2: Intro and Highlights
INTRO AND HIGHLIGHTS ÖMER TETIK
Slide 3: Predictable Growth in Volatile Times
BANCA TRANSILVANIA FINANCIAL GROUP PREDICTABLE GROWTH IN VOLATILE TIMES
Slide 4: €100 BN in Assets by 2030
Manifesto Execution Alignment Extra Mile Horizon €100 BN IN ASSETS BY 2030 A strong bank at the core, market leader This ambition will increase our customer #1 and the bank of choice in all customer base to more than 7.5 million clients across segments. the Romanian ecosystem. #2 Organic growth sign
Slide 5: Long-Term Growth Driven by Financial Deepening
Manifesto Execution Alignment Extra Mile Horizon LONG-TERM GROWTH DRIVEN BY FINANCIAL DEEPENING ROMANIA’S BANKING MARKET CONTINUES TO DEEPEN 20.00 15.00 10.00 5.00 0.00 -5.00 -10.00 -15.00 2016-T3 2017-T1 2019-T3 2016-T1 2016-T2 2017-T2 2022-T1 2022-T3 2016-T4 2017-T3 2017-T4 2019-T1 2019-T2 2019-T4
Slide 6: Growth Paths Align Across Distinct Orbits
Manifesto Execution Alignment Extra Mile Horizon GROWTH PATHS ALIGN ACROSS DISTINCT ORBITS JUN-26 PILLAR 2 PILLAR 3 ROE ROE No. of participants No. of participants 25.6% 20.6% ~630 K ~270 K Total Assets Total Assets Total AUM Total AUM RON 1.72 MN RON 1.31 BN RON 11.16 BN RON 976.13 MN ROE ROE 27.1
Slide 7: Integrated Financial Group Leverage on Network Effect
Manifesto Execution Alignment Extra Mile Horizon INTEGRATED FINANCIAL GROUP LEVERAGE ON NETWORK EFFECT TOTAL ASSETS BT GROUP 94% 6% CAGR 28.4% 11% 89% CAGR 41.6% 21% 79% Dec 2020 Jun 2026 Dec 2030, est Total Assets BT Total Assets Subsidiaries TOTAL NET PROFIT BT GROUP 85% 15% CAGR 33.0% 20% 80% CAG
Slide 8: Proven Track Record of Diversification
Manifesto Execution Alignment Extra Mile Horizon PROVEN TRACK RECORD OF DIVERSIFICATION 22.75% YE-25 AUM 17.14% YE-20 #1 Market Leader 9.67% YE-15 28.00% YE-25 20.14% YE-20 #1 Largest Broker Transactions Volume 15.22% YE-15 18.30% YE-25 4.90% 4.9% YE-20 #1 Front Runner Assets 4.5% YE-15 52.30% YE-25
Slide 9: Scaleup 4.7x Assets Growth with Strong Returns (I)
Manifesto Execution Alignment Extra Mile Horizon SCALEUP 4.7X ASSETS GROWTH WITH STRONG RETURNS (I) EPS * 4.50 4.14 4.08 4.00 3.50 3.00 2.63 2.50 2.19 1.80 2.00 1.62 1.50 1.16 1.13 1.14 1.26 1.00 0.50 0.00 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 *EPS base = unadjusted number of shares as o
Slide 10: Scaleup 4.7x Assets Growth with Strong Returns (II)
Manifesto Execution Alignment Extra Mile Horizon SCALEUP 4.7X ASSETS GROWTH WITH STRONG RETURNS (II) BT GROUP NIM 6.0% 3.9% 3.9% 3.9% 3.9% 4.0% 3.7% 3.6% 3.3% 3.5% 3.2% 3.1% 2.8% 2.0% 0.0% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Jun-26 BT GROUP CAR BT GROUP CoR 30.0% 2.50% 2.23% 25.1% 24.9
Slide 11: A Decade of Profitable Growth and Resilience
Manifesto Execution Alignment Extra Mile Horizon A DECADE OF PROFITABLE GROWTH AND RESILIENCE BT GROUP TOTAL ASSETS BT GROUP PROFIT, ATTR. TO BANK SHAREHOLDERS 4.7x 3.5x RON SCALE EARNINGS 224.4BN RON 4.48BN RON 1.27BN RON 47.6BN 16.8% CAGR 15.0% CAGR YE2015 YE2025 2016 2025 Almost 5x larger, with e
Slide 12: BT100, Built on a Decade of Execution
Manifesto Execution Alignment Extra Mile Horizon BT100, BUILT ON A DECADE OF EXECUTION 16.8 21.4 10 YEARS % % Assets CAGR is reinforcing our Avg ROE demonstrates that IN REVIEW confidence in achieving double- sustaining a ROE above 20% is STABILITY digit growth, organic and M&As well within our perf
Slide 13: Built on Trust. Proven Through Value Creation
Manifesto Execution Alignment Extra Mile Horizon BUILT ON TRUST. PROVEN THROUGH VALUE CREATION 361 4 RON 4.5 EUR % YTD BN Total return 2020-2026 TTM EPS shows confident Attracted from the capital with 25.7% CAGR* high returns markets since 2023 *Market data cut-off date: 7 September 2026 TOTAL SHARE
Slide 14: BT Financial Group Serving Millions of Clients
6,150,000 BT FINANCIAL GROUP SERVING MILLIONS OF CLIENTS ACROSS THE ROMANIAN ECOSYSTEM
Slide 15: Romanian Diaspora Growth Beyond Borders
Manifesto Execution Alignment Extra Mile Horizon ROMANIAN DIASPORA GROWTH BEYOND BORDERS DEC-25 5.5 MN POTENTIAL Romanian diaspora, a potential market equivalent to Ireland’s population 7 EUR BN RELEVANCE Remittances had double- digits growth with inflows nearing 2% of Romanian GDP 71 BRAND AFFINITY
Slide 16: Customer: Nurturing Our Core Value
Manifesto Execution Alignment Extra Mile Horizon NURTURING OUR CORE VALUE 45 35 % % Online and 33% branch of Romania’s banked onboarding is referral- population, with 25% driven turning advocacy considering BT as their into growth main banking partner CUSTOMER CENTRICITY 82.1 82.6 NPS NPS BT Pay, ex
Slide 17: 2030 Ambition: Building a EUR 100BN Financial Group
Manifesto Execution Alignment Extra Mile Horizon 2030 AMBITION: BUILDING A EUR 100BN FINANCIAL GROUP GROUP ASSETS EPS MARKET LEADERSHIP EUR 100 BN 2x >2x #1 GROUP SCALE AMBITION Organic growth, ahead ~17% CAGR | 2025–30 Banca Transilvania of banking sector BT Asset Management M&A across financial PA
Slide 18: Short-Term Noise, Long-Term Belief in Romania
Manifesto Execution Alignment Extra Mile Horizon SHORT-TERM NOISE, LONG-TERM BELIEF IN ROMANIA FINANCIAL STABILITY POWERED BY RESERVE POSITION STRONG STRUCTURAL FUNDAMENTALS 80 Billions 70 INDUSTRY INFRASTRUCTURE 60 50 2/3 X2 of the total national doubled highway 40 exports network by 2030 30 20 ENE
Slide 19: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH