Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Investor Day (2025)
21 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: Ömer Tetik, CEO
ÖMER TETIK CEO Ömer Tetik has been the CEO of Banca Transilvania since 2013. Under his leadership, BT has become the largest bank in Romania and Southeast Europe, through a balanced combination of organic growth and strong M&A activity. He is strongly committed to the growth of the Romanian capital
Slide 5: Largest Bank in SEE by Assets
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 5
Slide 6: 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 6
Slide 7: 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 7
Slide 8: Built on Overdelivery Sustained by Unique M&A Competences
BANCA TRANSILVANIA FINANCIAL GROUP BUILT ON OVERDELIVERY SUSTAINED BY UNIQUE M&A COMPETENCES
Slide 9: 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 10: 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 11: 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 12: 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 13: 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 14: 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 15: 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 16: 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 17: 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 18: 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 18
Slide 19: 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 20: 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 21: Investor Day: Signals That Shape Tomorrow
INVESTOR DAY SIGNALS THAT SHAPE T OMORROW