Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Investor Day (2025)
64 slides from Banca Transilvania Sa's investor day presentation, 2025
Slide 1: Investor Day: Signals That Shape Tomorrow
INVESTOR DAY SIGNALS THAT SHAPE T OMORROW
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: Intro and Highlights
INTRO AND HIGHLIGHTS ÖMER TETIK
Slide 4: Largest Bank
In Review Overdelivery Potential Strenghts What’s next? LARGEST BANK IN SEE, BY ASSETS 1 BANK ST DEDICATED TO THE ROMANIAN ENTREPRENEURS LARGEST BANK THE IN ROMANIA ONLY FULLY INTEGRATED FINANCIAL GROUP IN ROMANIA 4
Slide 5: BT Until Now
In Review Overdelivery Potential Strenghts What’s next? BT UNTIL NOW 201.1 BN RON Total Assets for Sep’25, more than double since Sep’20 2,922 Net Profit for 9M’25 MN RON 26.05 ROE, over banking sector while % continuing to drive the digitization of processes and customer experience 5
Slide 6: BT Until Now
In Review Overdelivery Potential Strenghts What’s next? BT UNTIL NOW 3.49 % NIM improving due to a diversified exposures across segments and industries 20.28 % CAR – allowing a calibrated risk and liquidity policy 2.56 % NPL Ratio level reflects an efficient and prudent risk strategy 6
Slide 7: Built on Overdelivery Sustained by Unique M&A Competences
BANCA TRANSILVANIA FINANCIAL GROUP BUILT ON OVERDELIVERY SUSTAINED BY UNIQUE M&A COMPETENCES
Slide 8: Banca Transilvania, One Step Ahead of the Market
In Review Overdelivery Potential Strenghts What’s next? BANCA TRANSILVANIA, ONE STEP AHEAD OF THE MARKET TLV STRONG PERFORMANCE AGAINST BET AND EURO STOXX BANKS 600 INDEX rescaled, 11/05=100 1200.00 1000.00 800.00 600.00 400.00 200.00 0.00 03/11/2006 03/11/2007 03/11/2009 03/11/2016 03/11/2019 03/11
Slide 9: The Group Footprint Redefines the Market Horizons
In Review Overdelivery Potential Strenghts What’s next? THE GROUP FOOTPRINT REDEFINES THE MARKET HORIZONS BT LEASING: FROM PIONEER TO BT ASSET MANAGEMENT, BUILDING BT MIC: THE BLUE OCEAN MARKET LEADER INVESTMENT KNOWLEDGE STORY OVERVIEW OVERVIEW OVERVIEW MARKET MARKET MARKET SHARE SHARE SHARE 26 % 2
Slide 10: Blue Chip Company for Our Shareholders
In Review Overdelivery Potential Strenghts What’s next? BLUE CHIP COMPANY FOR OUR SHAREHOLDERS 1 2.9 2.5 EUR ST RON BN Most traded share on the EPS shows confident Attracted from the capital BSE in the past decade high returns markets since 2023 TOP POSITION BUILD ON TRUST EARNINGS YIELDS = 1/PER RO
Slide 11: From Emerging to Thriving: Romania Is Closing the Gap
In Review Overdelivery Potential Strenghts What’s next? FROM EMERGING TO THRIVING: ROMANIA IS CLOSING THE GAP STEADY GROWTH, SIGNALING STRONG CONVERGENCE ROMANIA RISING: STRATEGIC LEVERS FOR GROWTH IN A WITHIN THE REGION CHANGING EUROPE ROMANIA CLOSER TO THE UE PIB PER CAPITA (PPS) ROMANIA AHEAD STR
Slide 12: Unlocking Potential: A Banking Industry on the Rise
In Review Overdelivery Potential Strenghts What’s next? UNLOCKING POTENTIAL: A BANKING INDUSTRY ON THE RISE BANKING ASSETS IN GDP COMPARED VS EU AREA 230 220 70 210 200 65 190 60 180 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 55 50 45 40 2005 2007 2009 2011 2013 2015 2017 2019 2021 2023
Slide 13: Scaling the Potential: The Group Strategic Advantage
In Review Overdelivery Potential Strenghts What’s next? SCALING THE POTENTIAL: THE GROUP STRATEGIC ADVANTAGE ROMANIA’S LEASING SECTOR PENSIONS: EARLY GROWTH WITH THE NEXT BIG OPPORTUNITY: READY TO ACCELERATE STRONG UPWARD MOMENTUM ROMANIA’S FUND MARKET NEW BUSINESS BN | EUR PENSIONS FUND ACTIVE POPU
Slide 14: Market Share Effect
In Review Overdelivery Potential Strenghts What’s next? MARKET SHARE EFFECT ~25 % of Romania's total population are BT’s clients 1/3 of payments in Romania are processed by Banca Transilvania 20 of ATMs in the % national network HOUSEHOLDS CORPORATE 27 22 % % Largest deposit collection franchise 33
Slide 15: The Only Fully Integrated Financial Group in Romania
In Review Overdelivery Potential Strenghts What’s next? THE ONLY FULLY INTEGRATED FINANCIAL GROUP IN ROMANIA BANCA SUBSIDIARIES TRANSILVANIA CROSSED BRAND BUSINESS SYNERGIES LEADERSHIP DIVERSIFICATION EXTENDED OPERATIONAL FAST PACE OF EXPERTISE CLIENTS ONBOARDING EFFICIENCY SYMBIOTIC TOP-NOTCH BUSIN
Slide 16: Value Flywheel
In Review Overdelivery Potential Strenghts What’s next? VALUE FLYWHEEL PRODUCTS & EFFICIENCIES SERVICES DISTRIBUTION OF SCALE Universal bank CHANNELS CIR: 41% vs 51% 2025: RON 843 MIL BT vs Market Investments budget GROWTH POWERFUL CUSTOMER PARTNERSHIPS EXPERIENCE NPS: +5/6pp Above market average ON
Slide 17: Organic Growth Focus Coupled with M&As
In Review Overdelivery Potential Strenghts What’s next? ORGANIC GROWTH FOCUS COUPLED WITH M&As 17 DEALS 7 MONTHS IN 10 YEARS RECORD INTEGRATION 6 BANKS 38 IN 10 PEOPLE YEARS SEASONED CORE TEAM 17
Slide 18: How to Achieve Growth in a Slowing Economy?
In Review Overdelivery Potential Strenghts What’s next? HOW TO ACHIEVE GROWTH IN A SLOWING ECONOMY? 2022: GEOPOLITICAL TURMOIL 2008-2009: FINANCIAL CRISIS Scalability: Despite turbulence, Strategic Foresight: liquidity BT pursued M&A integration 200000 defense, capital strengthening reinforcing long
Slide 19: Romania Positive Perspective
In Review Overdelivery Potential Strenghts What’s next? ROMANIA POSITIVE PERSPECTIVE AGRICULTURE EU POTENTIAL INTEGRATION A farming foundation strong enough to supply food for Access to the single market, EU Romania and also export funding, foreign investment and substantial excess produce reforms s
Slide 20: Is Here... To Stay, To Grow, To Overdeliver
BANCA TRANSILVANIA FINANCIAL GROUP IS HERE... TO STAY TO GROW TO OVERDELIVER
Slide 21: Positioning for What's Next
POSITIONING FOR WHAT’S NEXT IOAN NISTOR
Slide 22: Status Check
Landscape Foundation Opportunities Takeaways STATUS CHECK GDP/CAPITA UNEMPLOYMENT RELATIVELY HIGH WEALTH IN THE CEE GDP per capita 2024 (PPS, EU27_2020 = 100) • 29.700 PPS • 5.9% September 2025 – stable EU Italy 100 98 • 78% of EU average • 482,500 persons Spain Czechia 92 91 • CAGR 7.7% • Youth Une
Slide 23: Romania's Competitive Edge
Landscape Foundation Opportunities Takeaways ROMANIA’S COMPETITIVE EDGE SERVICES INDUSTRY AGRICULTURE 60.7 % 27 % 3.9 % of the GDP. Romania ranks first in the of the GDP. The composition Dominant role in GDP, this sector is EU in terms of the absolute number of includes 8% from the IT&C sector a maj
Slide 24: Romania's Competitive Edge
Landscape Foundation Opportunities Takeaways ROMANIA’S COMPETITIVE EDGE INFRASTRUCTURE ENERGY TOURISM 7.7 % 4 % 5 % of total employment works in of the GDP, making it a strategic contribution to GDP. ~235K transport pillar for economic growth. Romanians are directly employed in • EU Funding Backbone
Slide 25: Reaching New Heights
Landscape Foundation Opportunities Takeaways REACHING NEW HEIGHTS • Romania as a nearshoring destination for automation, leveraging its strong IT talent EU companies pool and competitive costs. • Financial Services Modernization • Expand tech hubs and incubators : supported by OECD accession and EU
Slide 26: Reaching New Heights
Landscape Foundation Opportunities Takeaways REACHING NEW HEIGHTS • Accelerate Irrigation Investments • Strengthen Value-Added Processing • Modernize Equipment • Farm consolidation AGRICULTURE • Expand Storage & Logistics • Digital & Precision Farming • Accelerate Renewable Deployment • Boost Energy
Slide 27: Reaching New Heights
Landscape Foundation Opportunities Takeaways REACHING NEW HEIGHTS • Maximize EU Fund Absorption • Streamline Permitting & Governance • Public-Private Partnerships (PPPs) for • Upgrade Ports & Airports INFRASTRUCTURE large-scale projects like industrial parks, • Expanded Urban Infrastructure hospital
Slide 28: Next Growth Wave
Landscape Foundation Opportunities Takeaways NEXT GROWTH WAVE HIGHEST NEAR-TERM UPSIDE STABLE FOUNDATIONS Industry, Agriculture, Services, Construction Infrastructure, Transport Large base effects, focus should Under-execution vs. EU peers, be on productivity, digitalization large EU funding envelop
Slide 29: Accelerating the Momentum
ACCELERATING THE MOMENTUM OANA ILAȘ
Slide 30: Retail Synopsis
Highlights Foundation Ecosystem Drivers What’s next? RETAIL SYNOPSIS 4.3 MN Active customers, of which 1.3m with fee-paying accounts 1.9 Insured customers MN 1.1 MN 1.1 MN Customers with loans. ~26% of BT customers Customers with savings products 30
Slide 31: Foundation for Growth & Opportunities to Attain
Highlights Foundation Ecosystem Drivers What’s next? FOUNDATION FOR GROWTH & OPPORTUNITIES TO ATTAIN STRONG FOUNDATION GROWTH POTENTIAL LARGE DATABASE FINANCIAL INTERACTIONS 4.3M active customers Family value proposition, with +500K children and supplementary cards’ holders 2.1M customers with recur
Slide 32: Payment Ecosystem – Network Effect
Highlights Foundation Ecosystem Drivers What’s next? PAYMENT ECOSYSTEM – NETWORK EFFECT LEADER IN ISSUING LEADER IN ACQUIRING 7.9 219 MN K CARDS ACQUIRING SOLUTIONS SEAMLESS LARGEST CREDIT LEADING SECURE ONLINE CARD LOYALTY ECOSYSTEM PAYMENTS PROGROME DRIVER 30 38 80 K K % PAY WITH STAR LOCATIONS TR
Slide 33: Phygital Innovation Group
Highlights Foundation Ecosystem Drivers What’s next? GROWTH DRIVERS PHYGITAL HUMAN | DIGITAL | AI • BT Pay: 4.5M users • Contact Center: Chat BT ( 1.1M sessions with INNOVATION 54% AI & Tele-sales & BT Visual Help) NET VALUE PROPOSITION • Network: +500 branches • Wealth, Insurance & Home focused on
Slide 34: BT Pay as the Heart of the Retail Universe
Highlights Foundation Ecosystem Drivers What’s next? BT PAY AS THE HEART OF THE RETAIL UNIVERSE ONE APP: Unified customer HOLISTIC APPROACH: Trusted experience in a single platform HUB for family financial, Personal Financial Wealth, Lifestyle & WALLET & MOBILE APP: Customer everyday life needs touc
Slide 35: Expanding Revenue Sources
Highlights Foundation Ecosystem Drivers What’s next? EXPANDING REVENUE SOURCES DIVERSITY SCALE MULTI-CHANNEL ONE GROUP INCOME LARGEST BANK GROWTH IN ROMANIA Ambitious growth plans in fee income via new propositions in Wealth, Insurance & Pensions ECOSYSTEM MULTIPLE TOUCHPOINTS COST EFFICIENCY Lower
Slide 36: Fueling Entrepreneurial Romania Growth
FUELING ENTREPRENEURIAL ROMANIA GROWTH TIBERIU MOISĂ
Slide 37: It's a Story About Romania...
The Market Until now Business BT Go Stup IT’S A STORY ABOUT ROMANIA... 99 OF ROMANIAN % COMPANIES ARE SMEs 56 % OF ROMANIA’S 63 GDP % OF THE ROMANIAN WORKFORCE IS EMPLOYED BY SMEs 49 % OF THE NATIONAL TOTAL COMPANY REVENUE 37
Slide 38: SMEs
The Market Until now Business BT Go Stup SMEs 27 % Market share accounts, solid know- how in strong shares on Medical & Agriculture 1/3 60 Newly established companies, % leading to a younger client base of SMEs with external financing 370 are holding a loan from BT or one K of its subsidiaries Warm
Slide 39: Business Formation & Account Onboarding
39 The Market Until now Business BT Go Stup BUSINESS FORMATION & ACCOUNT ONBOARDING EVOLUTION OF # COMPANIES THOUSANDS 3% 1,678 1,706 1,609 Romanian companies market registered a healthy growth of 3% annually over the past 3 years 6% 569 539 504 Compared with the market, BT had a double % growth on
Slide 40: Last 12 Months
40 The Market Until now Business BT Go Stup LAST 12 MONTHS LOANS RON | BN TERM DEPOSITS RON | BN Micro SMEs Corporate Total Micro SMEs Corporate Total 6.9 7.0 17.7 6.5 27.0 3.2 7.4 13.6 6.1 6.8 6.0 3.1 6.8 5.6 22.9 16.0 11.2 15% 16 % 21 % 18 % 15% 3% 9% 10% YOY YOY YOY YOY YOY YOY YOY YOY 9M’25 9M’2
Slide 41: Lending Market Share
The Market Until now Business BT Go Stup LENDING MARKET SHARE DECEMBER 2024 LOAN STOCKS #COMPANIES (BN | RON) 1706K 235 47 (~20.0%) 462 (27.1%) BT holds a leading ~20% market share in loans, ranking #1 in Romania — a strong position that highlights trust and scale in the lending market 1244 188 88 (
Slide 42: BT Go, the Business App
The Market Until now Business BT Go Stup BT GO, THE BUSINESS APP ENROLLED COMPANIES NO. OF TRANSACTIONS AS OF 30 SEP-25 AS OF 30 SEP-25 452 K O/W 76% TRANSACTIONALLY 19.6 ROUTED THROUGH BT GO M ACTIVE O/W 79% VIA MOBILE APP VOLUME OF TRANSACTIONS DEPOSITS OPEN AS OF 30 SEP-25 AS OF 30 SEP-25 185 59
Slide 43: How to Run a Business: You Are Here STUP
The Market Until now Business BT Go Stup HOW TO RUN A BUSINESS: YOU ARE HERE STUP 37.5 K Members in the STUP community 21.5 K One-on-one business discussion 800 Businesses born in STUP 6.1 K Loans granted in STUP 4.1 K Digital solutions customers 43
Slide 44: Scaling Up the Giants
SCALING UP THE GIANTS COSMIN CĂLIN
Slide 45: 360° Client Centric Full Spectrum of Capabilities
In Review Overdelivery Potential Strenghts What’s next? 360 ⁰ CLIENT CENTRIC FULL SPECTRUM OF CAPABILITIES Payment Solutions LBO DCM Liquidity Management Syndicated Loans Working Cap. Solutions Lending Structured Finance Trade Finance 4 PILLARS OF FOCUS 360⁰ ONE BANK FULL FLEDGED UNIQUE LEAN SYNERGI
Slide 46: Trends in Performance
Value Proposition Performance Deals Growth Strategy TRENDS IN PERFORMANCE As of 9M’25 RON | MN MARKET POSITION LAST 5 YEARS TRENDS PENETRATION OF DEPOSITS Large Factoring Structured POTENTIAL TARGET 10,574 Corporates MARKET 114% % 35 9,265 Finance 9,099 7,692 55 4,503 5,075 % 15,212 4,064 5,937 4,95
Slide 47: Sample of Successful Deals Between 2022 & 2025
Value Proposition Performance Deals Growth Strategy SAMPLE OF SUCCESSFUL DEALS BETWEEN 2022 & 2025 2024 2024 2024 2024 2025 AUTO SECTOR ENERGY SECTOR ENERGY SECTOR INDUSTRIALS AUTO SECTOR 450 750 400 40 110 MN MN MN MN MN EUR LEI EUR EUR EUR General Co. Purposes General Co. Purposes Syndicated Finan
Slide 48: Clear Targets to Sustain Growth
Value Proposition Performance Deals Growth Strategy CLEAR TARGETS TO SUSTAIN GROWTH RON 25.8 BN RON 10.5 BN 1.8% RON 7.5 BN Target loan book Target deposits Target NPL Target factoring YE’25 YE’25 rate YE’25 volumes YE’25 SHORT-RUN MID-RUN ~16% ~12% 1.5% ~45% Total Assets – Total Deposits – Target N
Slide 49: Sustained Future Growth: Main Pillars
Value Proposition Performance Deals Growth Strategy SUSTAINED FUTURE GROWTH: MAIN PILLARS PREFFERED BANKING PARTNER PRIME FINANCIER FOR CLIENTS OF NATIONAL STRATEGIC PROJECTS MAIN PROVIDER TO LBOS AND SYNDICATED TOP LENDER TRANSACTIONS OF WORKING CAPITAL SOLUTIONS 49
Slide 50: Scaling Businesses: Cross-Border Financing
Value Proposition Performance Deals Growth Strategy SCALING BUSINESSES: CROSS-BORDER FINANCING INCREASED REGIONAL/ EUROPEAN INTEREST EMPOWERING SIGNALS SUPPORT Increased interest from local companies in Support local entrepreneurs tapping new markets expanding regionally (mainly CEE) through and gro
Slide 51: The Courage to Shape the Narrative
THE COURAGE TO SHAPE THE NARATIVE SERGIU MIRCEA
Slide 52: Value Creation Through Broad Market Leadership and Strong Appeal to Customers
Strength Experience Latent Magnetism Community VALUE CREATION THROUGH BROAD MARKET LEADERSHIP AND STRONG APPEAL TO CUSTOMERS Unique magnetism across all market segments, with some fortress verticals – such as young retail, entrepreneurs and some selected geographies Strong NPS and customer loyalty C
Slide 53: Doubled: Challenging the Benchmark
Strength Experience Latent Magnetism Community CHALLENGING THE BENCHMARK BRAND VALUE MN | USD 1200 BANCA 1000 TRANSILVANIA’S 955 BRAND VALUE HAS 800 687 DOUBLED REACHING 955 600 513 MN USD 460 400 200 IN 2025, ACCORDING TO BRAND FINANCE 0 BANKING 500. 2022 2023 2024 2025 Banca Transilvania Peer 1 Pe
Slide 54: Brand Strength Built on the Home Market Advantage
Strength Experience Latent Magnetism Community BRAND STRENGTH BUILT ON THE HOME MARKET ADVANTAGE ” Banca Transilvania (brand value up 39% to USD 955 MN) remains the most valuable Romanian banking brand and the third strongest in the world (and particularly the strongest European banking brand), noti
Slide 55: Advantageous Dispersion Across the Age Pyramid
Strength Experience Latent Magnetism Community ADVANTAGEOUS DISPERSION ACROSS THE AGE PYRAMID BT CUSTOMERS AGE PYRAMID % of population Total BT that is a BT customer 41,051 51,657 105,490 195,191 BT enjoys an unparalleled magnetism and 261,342 penetration in the youth market. 240,098 353,277 377,043
Slide 56: BT Customers Stay with Us
Strength Experience Latent Magnetism Community BT CUSTOMERS STAY WITH US 35 30 25 Our total client base grew by +24% from 2022 to 2025, with youth segments growing even faster. BT already serves 32% of 20–24 year olds (total 20 population). 15 This reflects a strong retention trend: once 10 customer
Slide 57: Strong Dynamic
Strength Experience Latent Magnetism Community STRONG DYNAMIC BT GROWTH % USED BANK % MAIN BANK % Banca Transilvania 42 Banca Transilvania 28 45 Peer 1 27 Peer 1 18 40 Peer 2 23 Peer 3 13 Peer 3 21 Peer 2 13 35 Peer 4 17 Peer 4 10 Peer 5 10 Peer 5 5 30 Peer 6 8 Peer 6 3 25 Salt 7 Peer 9 1 Peer 9 3 P
Slide 58: BT's Moat: Hard to Replicate Advantages
Strength Experience Latent Magnetism Community BT’S MOAT: HARD TO REPLICATE ADVANTAGES INDIVIDUALS BT – on track to lead the market in customer experience, leveraging 66 NPS digital and human touch. Outperforming the market average by 5pp BT is the runner up, NPS – measures customer loyalty and like
Slide 59: NPS, Our Metric for Organic Growth
Strength Experience Latent Magnetism Community NPS, OUR METRIC FOR ORGANIC GROWTH CHANNEL PERSONALIZATION SEGMENT PRODUCT DIGITAL DIASPORA COMPANIES SATISFACTION ONBOARDING > 84 > 88 Account > 90 % conversion rate, > 82 Star Card +3.33 pp Opening from used to main Above market Record High bank. Best
Slide 60: Potential to Grow in Selected Geographies
Strength Experience Latent Magnetism Community POTENTIAL TO GROW IN SELECTED GEOGRAPHIES RETAIL COMPANIES • 5 geographies (counties) with >30% market share • 14 geographies (counties) with >30% market share (with a significant one >50%) (3 above >40% and one at approx. 50%) (520k companies) • 17 geo
Slide 61: What Makes Us Different
Strength Experience Latent Magnetism Community WHAT MAKES US DIFFERENT SKIN IN LEAD THE GAME GENERATION Authentic communication, Strong online lead skin in the game, local generation and conversion insights and real human PARTNERSHIP tone ECOSYSTEM Strategic partnership ecosystem driving MEDIA UNLOC
Slide 62: A Bank with a Meaning
Strength Experience Latent Magnetism Community A BANK WITH A MEANING CORPORATE CITIZENSHIP • Reducing infant mortality with Save the Children & Mastercard. NATIONAL PRIDE • Guiding meaningful careers through Vocational DNA. • Via Transilvanica, Romania’s first long-distance • Supporting high-achievi
Slide 63: A Bank with a Meaning / The Community Bank for Romania
Strength Experience Latent Magnetism Community A BANK WITH A MEANING/ THE COMMUNITY BANK FOR ROMANIA BT is firmly rooted in the communities we support, embodying the qualities of a community bank. Our strength comes from trust, local relevance and proximity – a deep understanding of the regional con
Slide 64: Investor Day: Signals That Shape Tomorrow
INVESTOR DAY SIGNALS THAT SHAPE T OMORROW