Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — H1 2026 Earnings Presentation
38 slides from Banca Transilvania Sa's earnings presentation, Aug 24, 2026
Slide 1: Banca Transilvania H1 2026 Financial Results
Banca Transilvania H1 2026 Financial Results 24 August 2026
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: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 4: Romanian Economy: Macro Headwinds, But Long-Term Convergence Drivers Remain Intact
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ROMANIAN ECONOMY: MACRO HEADWINDS, BUT LONG-TERM CONVERGENCE DRIVERS REMAIN INTACT NOMINAL GDP AND REAL GDP GROWTH SHARP DECREASE OF BUDGET DEFICIT DECLINING INFLATION OUTLOOK Budget deficit (%GDP) C
Slide 5: Banking Sector – Well Capitalised Despite Slower Macro Momentum
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BANKING SECTOR–WELL CAPITALISED DESPITE SLOWER MACRO MOMENTUM POSITIVE LENDING GROWTH LIQUIDITY REMAINS STRONG STRONG ASSET QUALITY & ROBUST CAPITAL Corporate loans (%, YoY) Corporate deposits (%, Yo
Slide 6: Looking Forward – Fiscal Consolidation Preserves Investment-Grade Rating
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group LOOKING FORWARD–FISCAL CONSOLIDATION PRESERVES INVESTMENT- GRADE RATING BT OUTLOOK 2026 • Spring 2026 – growth forecast was revised due to Real GDP (%, YoY) 0.20% additional external shocks, politica
Slide 7: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 8: H1 2026 Results: Resilient Performance and Capital Strength
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group H1 2026 RESULTS: RESILIENT PERFORMANCE AND CAPITAL STRENGTH INDIVIDUAL CONSOLIDATED PROFITABILITY H1 2026 H1 2025 ∆ H1 2026 H1 2025 ∆ Net interest income RON | MN 3,341.0 3,194.1 4.6% 4,162.5 3,914.1
Slide 9: Core Revenues Expanded, While Non-Risk Income Remained Strong
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group CORE REVENUES EXPANDED, WHILE NON-RISK INCOME REMAINED STRONG RON | MN 7.00% BT INDIVIDUAL 6.75% 6.50% 6.50% 6.50% Net Other NII NFCI NTI gain/(loss) income 3,341 from 3,194 fin. assets 4.50% 3.91% 3
Slide 10: Improved Efficiency Despite Turnover Tax
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group IMPROVED EFFICIENCY DESPITE TURNOVER TAX RON | MN COST-TO-INCOME RATIO (%) 38.28%** BT INDIVIDUAL Other Personnel D&A OPEX* 1,176 48.3% 48.3% 1,098 47.5% 46.7% 45.4% 45.0% 939 49.7% 48.1% 45.6% 45.4%
Slide 11: Retail Banking: Loan Growth Above Market Average
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group RETAIL BANKING: LOAN GROWTH ABOVE MARKET AVERAGE LOANS TO HOUSEHOLDS 4.0% BT INDIVIDUAL 39% 17.9 19.4 Consumer Consumer 94% Fixed RON 38% 43.0 Floating 24.9 44.7 25.2 6% (Fixed Intr) RON BN Housing R
Slide 12: Retail Banking: Growing Client Base and Record Activity Levels
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group RETAIL BANKING: GROWING CLIENT BASE AND RECORD ACTIVITY LEVELS LOANS (RON BN) 11% 35 % Active No of cards New loans BT INDIVIDUAL clients (MN) (MN) (RON BN) CAGR 2021-2026 44.7 43.0 8.6 33.9 31.4 28.
Slide 13: Companies: Strong Momentum, Key Driver for Loan Growth
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group COMPANIES: STRONG MOMENTUM, KEY DRIVER FOR LOAN GROWTH LOANS TO COMPANIES 10.1% BT INDIVIDUAL 36.0 39.7 43% 10% Large Large RON Fix Co 62.7 69.0 Co 57% RON BN 26.7 RON BN 29.3 FCY 90% Corporate Corpo
Slide 14: Corporate & SME: Gained Scale, Balanced Loan Mix
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group CORPORATE & SME: GAINED SCALE, BALANCED LOAN MIX LOANS (RON BN) Loan 16% BT INDIVIDUAL Active New loans* composition CAGR 2021-2026 29.3 clients (MN) (BN RON) (BN RON) 26.7 22.9 17.6 20.0 17.6 4.2 25
Slide 15: Large Corporate: Strong Demand to Pursue Investments
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group LARGE CORPORATE: STRONG DEMAND TO PURSUE INVESTMENTS LOANS (RON BN) 22% BT INDIVIDUAL Loans Factoring Structured CAGR 2021-2026 39.7 composition volumes Finance (RON BN) (RON BN) (RON BN) 36.0 29.4 2
Slide 16: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 17: Robust Group Capital Ratios Evolution
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ROBUST GROUP CAPITAL RATIOS EVOLUTION DEVELOPMENT OF CAPITAL RATIOS JUN-26 | % OWN FUNDS STRUCTURE JUN-26 | % BT GROUP 21.16% 21.16 18.00% 3.16 17.26% 45.8 % 10.7 % 7.7 % 6.00 CET 1 CET 1 Additional
Slide 18: Capital Adequacy: Strengthened to Sustain Further Growth
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group CAPITAL ADEQUACY: STRENGTHENED TO SUSTAIN FURTHER GROWTH DEVELOPMENT OF CAPITAL RATIOS JUN-26 | % OWN FUNDS STRUCTURE JUN-26 | % BT INDIVIDUAL 21.96% 21.96 3.85 18.15% 17.69% 50.4% 11.8 % 7.6 % 6.00
Slide 19: Capital Buffers: Comfortably Above Regulatory Requirements
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group CAPITAL BUFFERS: COMFORTABLY ABOVE REGULATORY REQUIREMENTS INDIVIDUAL CONSOLIDATED 2024 2025 Q1 2026 Q2 2026 2024 2025 Q1 2026 Q2 2026 Pillar 1 CET 1 requirement 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4
Slide 20: Asset Quality: Resilient Under Evolving Macro Conditions
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ASSET QUALITY: RESILIENT UNDER EVOLVING MACRO CONDITIONS BT NPL EBA & NPL COVERAGE RATIO, % COST OF RISK, % 2.83% 2.92% 0.82% 0.86% 2.65% 2.69% 2.37% 2.48% 0.76% 0.72% 0.69% 2.44% 2.40% 2.55% 2.41% 0
Slide 21: Strong Liquidity and MREL Buffers Provide Funding Flexibility
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group STRONG LIQUIDITY AND MREL BUFFERS PROVIDE FUNDING FLEXIBILITY GROUP LIQUIDITY RATIOS EVOLUTION MREL CAPACITY VS REQUIREMENTS* 767% 793% 385 bps 213 bps BT GROUP 784% 747% 586% 514% 35.80% 482% 34.08%
Slide 22: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 23: Sustainability Initiatives Delivered Measurable Environmental and Social Impact
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group SUSTAINABILITY INITIATIVES DELIVERED MEASURABLE ENVIRONMENTAL AND SOCIAL IMPACT ESG RISK RATING ACCESSIBILITY & INCLUSION SUSTAINABLE BONDS & IMPACT 14.6 LOW RISK Update: 8 May 2026 357 ATMs & recycl
Slide 24: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 25: BT Pay: Deepens Customer Engagement Across Savings and Investment Products
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT PAY: DEEPENS CUSTOMER ENGAGEMENT ACROSS SAVINGS AND INVESTMENT PRODUCTS MOBILE/NFC VOLUME OF FUND PAYMENTS TRANSFERS 24 % H1 2026 vs H1 2025 26 % H1 2026 vs H1 2025 INVESTMENTS BUILDING HABITS BT
Slide 26: BT Go: Three Years of Transforming the Banking Experience
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT GO: THREE YEARS OF TRANSFORMING THE BANKING EXPERIENCE ENROLLED COMPANIES NO. OF TRANSACTIONS AS OF 30 JUNE 2026 AS OF 30 JUNE 2026 600 K O/W 86% TRANSACTIONALLY 61.1 MN ROUTED THROUGH BT GO O/W A
Slide 27: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 28: Integrated Financial Group: Diversification Increases Resilience
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group INTEGRATED FINANCIAL GROUP: DIVERSIFICATION INCREASES RESILIENCE TOTAL ASSETS BT GROUP 89.84% 89.22% 4.39% 4.65% 2.88% 3.00% 0.68% 0.73% 0.68% 0.79% 0.97% 1.07% 0.56% 0.54% BT Leasing & Microfinancin
Slide 29: BT Subsidiaries: Highlights
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group BT SUBSIDIARIES: HIGHLIGHTS BT ROMÂNIA ETF - BTBETRETF MICROINVEST BT LEASING • Tracks the performance of BET-TR • EUR 20 MN through two new financing • 9% total assets growth in H1 2026 index (Bucha
Slide 30: Agenda
AGENDA Macroeconomic Business Risk Sustainability Landscape Performance 1 2 3 4 BT Financial Digital Appendix Group 5 6 7
Slide 31: 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 H1 Q2 Q1 Q4 Q3 YoY QoQ 2026 2025 2026 2026 2025 2025 Net interest income 3,341.0 3,194.1 4.6% 1,672.6 1,668.3 1,709.4 1,727.7 0.3% Net fee and c
Slide 32: 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-26 Dec-25 Jun-25 ∆ YTD ∆ YoY Cash & cash equivalents 26,527.3 23,224.3 19,135.7 14.2% 38.6% Placements with banks and public institutions 5,469.4
Slide 33: 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 H1 Q2 Q1 Q4 Q3 YoY QoQ 2026 2025 2026 2026 2025 2025 Net interest income 4,162.5 3,914.1 6.3% 2,091.1 2,071.4 2,108.6 2,042.8 0.9% Net fee and
Slide 34: 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-26 Dec-25 Jun-25 ∆ YTD ∆ YoY Cash & cash equivalents 28,509.8 25,499.3 21,319.7 11.8% 33.7% Placements with banks and public institutions 7,891.
Slide 35: Annex 3: TLV Market Capitalisation and Trading Activity Evolution
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ANNEX 3: TLV MARKET CAPITALISATION AND TRADING ACTIVITY EVOLUTION 60 600 50 500 40 400 30 300 20 200 10 100 0 0 Dec-19 Jun-18 Dec-16 Mar-26 Jun-16 Sep-16 Jun-17 Jun-19 Sep-19 Sep-17 Sep-18 Mar-20 Mar
Slide 36: Annex 4: Credit Ratings
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group ANNEX 4: CREDIT RATINGS. REFLECT FRANCHISE STRENGTH, ROBUST CAPITAL AND AMPLE LIQUIDITY MOODY’S FITCH RATINGS Long- and Short-Term Counterparty Risk Foreign Currency Baa1/P-2 Ratings (CRRs) Long-Term
Slide 37: Definitions and Abbreviations
Macroeconomic Business BT Financial Risk Sustainability Digital Appendix Landscape Performance Group DEFINITIONS AND ABBREVIATIONS BT Banca Transilvania Impairment or reversal of impairment, including recoveries, divided by BT Group BT IFRS Consolidated COST OF total gross loans and advances to cust
Slide 38: Thank You
THANK YOU investor.relations@btrl.ro +40 264 407 150 +40 264 301 128 Calea Dorobantilor, Nr. 30- 36, Cluj-Napoca, Romania