Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Q1 2026 Earnings Presentation
34 slides from Banca Transilvania Sa's earnings presentation, May 26, 2026
Slide 1: Banca Transilvania Q1 2026 Financial Results
Banca Transilvania Q1 2026 Financial Results The 26th of May 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 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 GDP PER CAPITA DECREASING BUDGET DEFICIT INFLATION GDP per capita 2024 (PPS, EU27_2020 = 100), % Budget deficit (%GDP) Consumer prices (HICP) (%, YOY) -2 2021 2022 2023
Slide 5: Banking Sector Evolution
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BANKING SECTOR EVOLUTION POSITIVE LENDING GROWTH DEPOSITS PICKING-UP MOMENTUM STRONG ASSET QUALITY & ROBUST CAPITAL Corporate loans (%, YoY) Corporate deposits (%, YoY) NPL ratio % (EBA
Slide 6: Looking Forward
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group LOOKING FORWARD BT OUTLOOK 2026 Real GDP (%, YoY) 0.20% • Growth forecast revised because of additional Inflation (CPI) (%, EOP, YoY) 6.40% external shocks, political uncertainty, curre
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 3M 2026 3M 2025 ∆ 3M 2026 3M 2025 ∆ Net interest income RON | MN 1,668.3 1,535.2 8.7% 2,071.4 1,961.5 5.6% Net fee and commission in
Slide 9: BT Individual: Trends in Income
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group TRENDS IN INCOME RON | MN NIM NII NFCI NTI Net gain/loss 6.75% 7.00% BT INDIVIDUAL from 6.50% 6.50% 6.50% fin. assets 1,668 4.50% 1,535 3.91% 3.92% 3.93% 3.46% 3.59% 3.43% 3.50% 3.43% 2
Slide 10: BT Individual: Trends in Opex
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group TRENDS IN OPEX RON | MN C/I RATIO D&A Other Personnel BT INDIVIDUAL OPEX* 41.61% ** 48.3% 47.5% 48.3% 46.7% 48.2% 45.4% 643 577 48.1% 49.7% 48.1% 45.6% 45.4% 44.4% 469 354 2021 2022 202
Slide 11: Retail: Loan Growth on Track and Stable Deposit Base
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group RETAIL: LOAN GROWTH ON TRACK AND STABLE DEPOSIT BASE LOANS TO HOUSEHOLD 1.3% BT INDIVIDUAL 38% 17.9 18.6 Fix Consumer Consumer 94% RON 38% 43.0 24.9 43.5 24.9 Floating BN RON Housing BN
Slide 12: Corporate: Healthy Growth Maintained
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group CORPORATE: HEALTHY GROWTH MAINTAINED LOANS TO COMPANIES 2.5% BT INDIVIDUAL 36.0 36.6 44% 8% Large Large RON Fix 62.7 Co 64.2 Co BN RON BN RON 27.6 56% 92% 26.7 FCY Floating Mid Co Mid C
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: Solid Capital Ratios at Group Level
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SOLID CAPITAL RATIOS AT GROUP LEVEL CAPITAL RATIOS, % TIER1 RATIO & CAR RON | BN 23.6% 20.8% 21.6% 21.4% 22.8% 20.2% BT GROUP 20.2% 20.2 20.7% 18.4% 18.3% 19.0% 20.9% 18.4% 18.0% 2.2 15
Slide 15: MREL Requirement and Eligible Resources
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group MREL REQUIREMENT AND ELIGIBLE RESOURCES MREL STRATEGY - UPDATES BT GROUP 385 BPS 51 BPS 35.80% 31.95% 32.46% 31.95% 12.28 6.00% 6.00% 11.56% 1.93% 0.73% 0.74% 2.57% 1.79% 2.42% 25.95% 2
Slide 16: Prudent Underwriting Leading to Strong Asset Quality
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group PRUDENT UNDERWRITING LEADING TO STRONG ASSET QUALITY BT NPL EBA & NPL COVERAGE RATIO, % COST OF RISK, % 3.35% 2.65% 2.69% 2.83% 0.82% 2.37% 2.48% 0.76% 0.72% 0.67% 0.69% 2.71% 2.55% 2.4
Slide 17: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 18: Approval of Cash Dividends
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group APPROVAL Approval of the distribution of cash dividends from the profit for the OF CASH year 2025: DIVIDENDS DISTRIBUTION • RON 1,400,000,000 from the net profit for the year 2025. • Gr
Slide 19: Share Capital Increase
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SHARE Share capital increase by incorporating reserves from the net profit CAPITAL of 2025: INCREASE • 157.264.425 shares with a nominal value of RON 10 • ~14 bonus shares will be grant
Slide 20: 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 16.5 %* 18.8 % GROSS DIVIDEND / SHARE (RON) 0.642 39.26 1.733 1.284 1.252 33.04 1.130 0.127 0.079 0.115
Slide 21: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 22: Sustainability Updates
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SUSTAINABILITY UPDATES ESG REPORTING CONTINUED SUPPORT FOR GREEN PROJECTS • Mar-26: We published our second Sustainability • In 2026, Banca Transilvania acted as a Mandated Statement dr
Slide 23: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 24: BT Pay: Tailored Ecosystem to Fit Your Lifestyle
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT PAY: TAILORED ECOSYSTEM TO FIT YOUR LIFESTYLE MOBILE/NFC VOLUME OF FUND PAYMENTS TRANSFERS 24 % 28 % Q1 26 vs Q1 25 Q1 26 vs Q1 25 BUILDING FINANCIAL WELLBEING. SEAMLESSLY • ~80% of
Slide 25: BT Go: All-in-One Banking Platform for Entrepreneurs
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT GO: ALL-IN-ONE BANKING PLATFORM FOR ENTREPRENEURS ENROLLED COMPANIES NO. OF TRANSACTIONS AS OF 31 MAR-26 AS OF 31 MAR-26 585 O/W 85% TRANSACTIONALLY K 45.7 ROUTED THROUGH BT GO O/W M
Slide 26: Agenda
AGENDA Macroeconomic Business GMS Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 27: BT Financial Group Highlights
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT FINANCIAL GROUP HIGHLIGHTS BT ASSET MANAGEMENT BT LEASING • AUM over RON 10 BN • 3% total assets growth vs. YE’25 • Investor base up to 450,000+ • Expansion of the portfolio with the
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 3M 2026 3M 2025 ∆ Net interest income 1,668.3 1,535.2 8.7% Net fee and commission income 366.6 324.7 12.9% Net trading income 230.8 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-26 DEC-25 ∆ Cash & cash equivalents 29,561.7 23,224.3 27.3% Placements with banks and public institutions 7,261.7 14,476.3 -49.8% 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 3M 2026 3M 2025 ∆ Net interest income 2,071.4 1,961.5 5.6% Net fee and commission income 439.7 382.3 15.0% Net trading income 315.6
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-26 DEC-25 ∆ Cash & cash equivalents 31,195.5 25,499.3 22.3% Placements with banks and public institutions 9,340.8 16,552.3 -43.6%
Slide 33: Definitions and Abbreviations
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group DEFINITIONS AND ABREVIATIONS Impairment or reversal of impairment, including recoveries, divided by BT Banca Transilvania 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