Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Q1 2025 Earnings Presentation
34 slides from Banca Transilvania Sa's earnings presentation, May 20, 2025
Slide 1: Banca Transilvania Q1 2025 Financial Results
Banca Transilvania Q1 2025 Financial Results The 20th of May 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: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 4: Romanian Economy
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group ROMANIAN ECONOMY ENDOGEN & EXOGEN FACTORS RELATIVELY HIGH WEALTH IN THE CEE TO SUSTAIN OUTPERFORMANCE GDP per capita (PPS, EU27_2020 = 100) EU 100 • Romania is the 2nd largest economy i
Slide 5: Banking Sector Evolution
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions 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 (%, Y
Slide 6: Beyond Borders: Romania's Exports Footprint
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BEYOND BORDERS: ROMANIA’S EXPORTS FOOTPRINT >66% OF ROMANIA’S EXPORTS GO TO EU MORE THAN HALF OF EXPORTS ARE VALUE ADDED Export destinations of Romania (% of total exports), 2024 Export
Slide 7: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 8: BT Performance
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT PERFORMANCE INDIVIDUAL CONSOLIDATED PROFITABILITY Q1 2025 Q1 2024 ∆ Q1 2025 Q1 2024 ∆ Net interest income RON | MN 1,535.2 1,324.7 15.9% 1,961.5 1,543.0 27.1% Net fee and commission
Slide 9: Trends in Income
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group TRENDS IN INCOME RON | MN NIM 6.75% 7.00% BT INDIVIDUAL 6.50% 6.50% Net Net fee & Net Net trading gain/loss 4.50% interest commission income from fin. income income 3.43% 3.39% assets 2
Slide 10: Trends in Opex
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group TRENDS IN OPEX RON | MN C/I RATIO BT INDIVIDUAL 43.98%** Other Personnel Depreciation operating 49.7% expenses and 48.1% 47.4% expenses* 45.6% amortization 45.3% 45.4% 577 482 2020 2021
Slide 11: Sustained Portfolio Growth
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SUSTAINED PORTFOLIO GROWTH LOANS TO HOUSEHOLD 18.9% * BT INDIVIDUAL 14.6 16.3 Consumer Consumer 92% RON 33.9 19.3 40.3 24.0 BN RON Housing BN RON Housing 8% FCY 0.05 0.02 Other Other Ma
Slide 12: Growing Depositor's Base
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group GROWING DEPOSITOR’S BASE DEPOSITS FROM HOUSEHOLD 6.3%* BT INDIVIDUAL 62% 54.3 59.8 RON 98.0 Deposits 104.3 Deposits BN RON BN RON 38% 43.7 44.4 FCY Current Current accounts accounts Mar
Slide 13: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 14: Confident Group Capital Ratios Evolution
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group CONFIDENT GROUP CAPITAL RATIOS EVOLUTION CAPITAL RATIOS (FOR Q1 2025), % OWN FUNDS’ STRUCTURE AS OF MARCH 2025, % BT GROUP 19.94% 19.94% 17.33% 2.61 51.6 % 11.8 % 17.62% CET1 CET 1 Tier
Slide 15: Strong Asset Quality Amid Evolving Metrics
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group STRONG ASSET QUALITY AMID EVOLVING METRICS NPE EBA & NPE COVERAGE RATIO, % COST OF RISK, % 1.90% 3.46% 2.71% 2.52% 2.44% 1.98% 2.07% 1.84% 1.07% 0.76% 1.00% 196 204 206 0.67% 0.66% 168
Slide 16: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 17: Approval of Cash Dividends Distribution
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group APPROVAL Approval of the distribution of cash dividends from the OF CASH profit for the year 2024: DIVIDENDS • The amount of RON 1,589,254,950 from the net DISTRIBUTION profit reserves
Slide 18: Share Capital Increase and Share Buybacks
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SHARE Share capital increase by incorporating reserves from CAPITAL the net profit of 2024: INCREASE • 173.442.379 shares with a nominal value of RON 10 • ~19 bonus shares will be grant
Slide 19: BT Evolution on Stock Exchange
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT EVOLUTION ON STOCK EXCHANGE STOCK EXCHANGE CAPITALIZATION BT IN DIVIDEND TERMS 13.6 %* DIVIDEND / SHARE 1.733 5.9 % 1.252 1.130 26.22 24.76 0.115 0.079 0.127 2019 2020 2021 2022 2023
Slide 20: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 21: Sustainability Updates
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SUSTAINABILITY UPDATES ESG REPORTING SUSTAINABLE FINANCE • Mar-25: We published our first Sustainability Statement • Green loans to companies in 2024 amounted to RON drawn-up in accorda
Slide 22: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 23: Delivering Enhanced Digital Experience
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group DELIVERING ENHANCED DIGITAL EXPERIENCE BUILT-IN AI AUTOMATES ASSISTANCE PROCESSES TO EASE BUDDY INTEGRATED IN BANK-ACCOUNTANT- BT PAY ENTREPRENEURS COLLABORATION BELLA LAUNCH OF BT PAY
Slide 24: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 25: BT Financial Group M&A
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT FINANCIAL GROUP M&A OTP BT PENSII* • Successful merger between BT and OTP at 28.02.2025; • BT Pensii became the asset manager for BRD Medio, which changes its name in Pensia Mea Plus
Slide 26: BT Financial Group Highlights
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT FINANCIAL GROUP HIGHLIGHTS BANCA TRANSILVANIA BT LEASING • ~22% estimated market share Q1 2025 • The first commercial leasing of the year, worth 1.404 MN • EUR 5.3 BN market cap (+18
Slide 27: BT Financial Group Overview
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT FINANCIAL GROUP OVERVIEW Net Profit Net Profit Net Profit Net Profit RON 756.3 MN RON 8.7 MN RON 8.3 MN RON 16.2 MN Total Assets Total AUM Total Assets Total Assets RON 196,693 MN RO
Slide 28: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 29: Annex 1: Income Statement, IFRS Individual
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group ANNEX 1: INCOME STATEMENT, IFRS INDIVIDUAL RON | MN Q1 2025 Q1 2024 ∆ Net interest income 1,535.2 1,324.7 15.9% Net fee and commission income 324.7 295.9 9.7% Net trading income 183.9 1
Slide 30: Annex 1: Balance Sheet, IFRS Individual
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group ANNEX 1: BALANCE SHEET, IFRS INDIVIDUAL RON | MN MAR-25 DEC-24 ∆ Cash & cash equivalents 21,563.5 16,908.4 27.5% Placements with banks and public institutions 7,748.7 13,612.1 -43.1% Lo
Slide 31: Annex 2: Income Statement, IFRS Consolidated
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group ANNEX 2: INCOME STATEMENT, IFRS CONSOLIDATED RON | MN Q1 2025 Q1 2024 ∆ Net interest income 1,961.5 1,543.0 27.1% Net fee and commission income 382.3 337.7 13.2% Net trading income 244.
Slide 32: Annex 2: Balance Sheet, IFRS Consolidated
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group ANNEX 2: BALANCE SHEET, IFRS CONSOLIDATED RON | MN MAR-25 DEC-24 ∆ Cash & cash equivalents 23,874.0 21,950.2 8.8% Placements with banks and public institutions 8,874.8 13,714.9 -35.3% L
Slide 33: Definitions and Abbreviations
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions 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 financi
Slide 34: Thank You
THANK YOU investor.relations@btrl.ro +40 264 407 150 +40 264 301 128 Calea Dorobantilor, Nr. 30- 36, Cluj-Napoca, Romania