Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Investor Day (2026)
56 slides from Banca Transilvania Sa's investor day presentation, 2026
Slide 1: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH
Slide 2: Intro and Highlights
INTRO AND HIGHLIGHTS ÖMER TETIK
Slide 3: Predictable Growth in Volatile Times
BANCA TRANSILVANIA FINANCIAL GROUP PREDICTABLE GROWTH IN VOLATILE TIMES
Slide 4: €100 BN in Assets by 2030
Manifesto Execution Alignment Extra Mile Horizon €100 BN IN ASSETS BY 2030 A strong bank at the core, market leader This ambition will increase our customer #1 and the bank of choice in all customer base to more than 7.5 million clients across segments. the Romanian ecosystem. #2 Organic growth sign
Slide 5: Long-Term Growth Driven by Financial Deepening
Manifesto Execution Alignment Extra Mile Horizon LONG-TERM GROWTH DRIVEN BY FINANCIAL DEEPENING ROMANIA’S BANKING MARKET CONTINUES TO DEEPEN 20.00 15.00 10.00 5.00 0.00 -5.00 -10.00 -15.00 2016-T3 2017-T1 2019-T3 2016-T1 2016-T2 2017-T2 2022-T1 2022-T3 2016-T4 2017-T3 2017-T4 2019-T1 2019-T2 2019-T4
Slide 6: Growth Paths Align Across Distinct Orbits
Manifesto Execution Alignment Extra Mile Horizon GROWTH PATHS ALIGN ACROSS DISTINCT ORBITS JUN-26 PILLAR 2 PILLAR 3 ROE ROE No. of participants No. of participants 25.6% 20.6% ~630 K ~270 K Total Assets Total Assets Total AUM Total AUM RON 1.72 MN RON 1.31 BN RON 11.16 BN RON 976.13 MN ROE ROE 27.1
Slide 7: Integrated Financial Group Leverage on Network Effect
Manifesto Execution Alignment Extra Mile Horizon INTEGRATED FINANCIAL GROUP LEVERAGE ON NETWORK EFFECT TOTAL ASSETS BT GROUP 94% 6% CAGR 28.4% 11% 89% CAGR 41.6% 21% 79% Dec 2020 Jun 2026 Dec 2030, est Total Assets BT Total Assets Subsidiaries TOTAL NET PROFIT BT GROUP 85% 15% CAGR 33.0% 20% 80% CAG
Slide 8: Proven Track Record of Diversification
Manifesto Execution Alignment Extra Mile Horizon PROVEN TRACK RECORD OF DIVERSIFICATION 22.75% YE-25 AUM 17.14% YE-20 #1 Market Leader 9.67% YE-15 28.00% YE-25 20.14% YE-20 #1 Largest Broker Transactions Volume 15.22% YE-15 18.30% YE-25 4.90% 4.9% YE-20 #1 Front Runner Assets 4.5% YE-15 52.30% YE-25
Slide 9: Scaleup 4.7x Assets Growth with Strong Returns (I)
Manifesto Execution Alignment Extra Mile Horizon SCALEUP 4.7X ASSETS GROWTH WITH STRONG RETURNS (I) EPS * 4.50 4.14 4.08 4.00 3.50 3.00 2.63 2.50 2.19 1.80 2.00 1.62 1.50 1.16 1.13 1.14 1.26 1.00 0.50 0.00 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 *EPS base = unadjusted number of shares as o
Slide 10: Scaleup 4.7x Assets Growth with Strong Returns (II)
Manifesto Execution Alignment Extra Mile Horizon SCALEUP 4.7X ASSETS GROWTH WITH STRONG RETURNS (II) BT GROUP NIM 6.0% 3.9% 3.9% 3.9% 3.9% 4.0% 3.7% 3.6% 3.3% 3.5% 3.2% 3.1% 2.8% 2.0% 0.0% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Jun-26 BT GROUP CAR BT GROUP CoR 30.0% 2.50% 2.23% 25.1% 24.9
Slide 11: A Decade of Profitable Growth and Resilience
Manifesto Execution Alignment Extra Mile Horizon A DECADE OF PROFITABLE GROWTH AND RESILIENCE BT GROUP TOTAL ASSETS BT GROUP PROFIT, ATTR. TO BANK SHAREHOLDERS 4.7x 3.5x RON SCALE EARNINGS 224.4BN RON 4.48BN RON 1.27BN RON 47.6BN 16.8% CAGR 15.0% CAGR YE2015 YE2025 2016 2025 Almost 5x larger, with e
Slide 12: 10 Years in Review
Manifesto Execution Alignment Extra Mile Horizon BT100, BUILT ON A DECADE OF EXECUTION 16.8 21.4 10 YEARS % % Assets CAGR is reinforcing our Avg ROE demonstrates that IN REVIEW confidence in achieving double- sustaining a ROE above 20% is STABILITY digit growth, organic and M&As well within our perf
Slide 13: Built on Trust. Proven Through Value Creation
Manifesto Execution Alignment Extra Mile Horizon BUILT ON TRUST. PROVEN THROUGH VALUE CREATION 361 4 RON 4.5 EUR % YTD BN Total return 2020-2026 TTM EPS shows confident Attracted from the capital with 25.7% CAGR* high returns markets since 2023 *Market data cut-off date: 7 September 2026 TOTAL SHARE
Slide 14: BT Financial Group Serving Millions of Clients Across the Romanian Ecosystem
6,150,000 BT FINANCIAL GROUP SERVING MILLIONS OF CLIENTS ACROSS THE ROMANIAN ECOSYSTEM
Slide 15: Romanian Diaspora: Growth Beyond Borders
Manifesto Execution Alignment Extra Mile Horizon ROMANIAN DIASPORA GROWTH BEYOND BORDERS DEC-25 5.5 MN POTENTIAL Romanian diaspora, a potential market equivalent to Ireland’s population 7 EUR BN RELEVANCE Remittances had double- digits growth with inflows nearing 2% of Romanian GDP 71 BRAND AFFINITY
Slide 16: Nurturing Our Core Value: Customer Centricity
Manifesto Execution Alignment Extra Mile Horizon NURTURING OUR CORE VALUE 45 35 % % Online and 33% branch of Romania’s banked onboarding is referral- population, with 25% driven turning advocacy considering BT as their into growth main banking partner CUSTOMER CENTRICITY 82.1 82.6 NPS NPS BT Pay, ex
Slide 17: 2030 Ambition: Building a EUR 100BN Financial Group
Manifesto Execution Alignment Extra Mile Horizon 2030 AMBITION: BUILDING A EUR 100BN FINANCIAL GROUP GROUP ASSETS EPS MARKET LEADERSHIP EUR 100 BN 2x >2x #1 GROUP SCALE AMBITION Organic growth, ahead ~17% CAGR | 2025–30 Banca Transilvania of banking sector BT Asset Management M&A across financial PA
Slide 18: Short-Term Noise, Long-Term Belief in Romania
Manifesto Execution Alignment Extra Mile Horizon SHORT-TERM NOISE, LONG-TERM BELIEF IN ROMANIA FINANCIAL STABILITY POWERED BY RESERVE POSITION STRONG STRUCTURAL FUNDAMENTALS 80 Billions 70 INDUSTRY INFRASTRUCTURE 60 50 2/3 X2 of the total national doubled highway 40 exports network by 2030 30 20 ENE
Slide 19: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH
Slide 20: Adjustment Now, Convergence Ahead
ADJUSTMENT NOW CONVERGENCE AHEAD IOAN NISTOR
Slide 21: Fast Convergence. Growth Recalibration
Status Quo Premises Investment Price Watchlist Scenario Map FAST CONVERGENCE. GROWTH RECALIBRATION 160 2015 GDP BN EUR 380 56 % 2025 Convergence with EU GDP GDP/CAPITA IN PPS BN EUR #2 LARGEST ECONOMY IN CEE #1 Poland 922 BN EUR #2 Romania 380 BN EUR 78 % #3 Czechia 346 BN EUR Convergence with EU GD
Slide 22: A Challenging Path: But Not the End of Convergence
Status Quo Premises Investment Price Watchlist Scenario Map A CHALLENGING PATH: BUT NOT THE END OF CONVERGENCE GDP Real Growth Debt to GDP Budget Deficit EUR/RON -0.2 % 2026 61.8% 2026 6.0 % 2026 5.28 Year-end SHORT-TERM PRESSURE MEDIUM-TERM ANCHORS High inflation EU-funded investment Weak external
Slide 23: Fiscal Credibility Will Set Romania's Risk Premium
Status Quo Premises Investment Price Watchlist Scenario Map FISCAL CREDIBILITY WILL SET ROMANIA’S RISK PREMIUM % OF GDP 63.4 61.8 59.3 54.8 9.3 7.9 6.0 5.3 2024 2025 2026 F 2027F ESA Deficit Public debt Eurostat / Ministry of Finance, BT Research Estimates THE KEY QUESTION: CAN CONSOLIDATION PROTECT
Slide 24: GDP Contributors: Demand
Status Quo Premises Investment Price Watchlist Scenario Map GDP CONTRIBUTORS: DEMAND 8.0 6.0 4.0 2.0 0.0 -2.0 -4.0 -6.0 -8.0 Q1 2024 Q1 2026 Q3 2024 Q1 2025 Q3 2025 Q4 2025 Q4 2024 Q2 2024 Q2 2025 Q2 2026 Final Consumption Gross Fixed Capital Formation Net Exports Change in Invetories Real GDP (%,Yo
Slide 25: GDP Contributors: Supply
Status Quo Premises Investment Price Watchlist Scenario Map GDP CONTRIBUTORS: SUPPLY 2.0 1.5 1.0 0.5 0.0 -0.5 -1.0 -1.5 -2.0 -2.5 Q4 2024 Q2 2024 Q1 2024 Q3 2024 Q1 2025 Q3 2025 Q1 2026 Q4 2025 Q2 2026 Q2 2025 Industry Agriculture Services Construction Real GDP (%,YoY) GDP H1 2026: -0.7% Agriculture
Slide 26: Romania, One of the EU's Lowest Investment Cost Bases
Status Quo Premises Investment Price Watchlist Scenario Map ROMANIA, ONE OF THE EU’S LOWEST INVESTMENT COST BASES 2025, EU=100 Croatia 73.2 Romania 75.8 Hungary 78.3 Poland 81.5 Bulgaria 82.7 Czechia 85.7 EU27 100.0 Germany 121.4 Eurostat, comparative price levels for investment, 2025 (EU=100) Price
Slide 27: Software, the Investment Cost Advantage
Status Quo Premises Investment Price Watchlist Scenario Map SOFTWARE, THE INVESTMENT COST ADVANTAGE 2025, EU=100 EU = 100 Overall investment Machinery & equipment Metal products & Electrical & optical Transport equipment Software 75.8 97.9 equipment 99.7 95.1 94.2 100.1 Eurostat, comparative price l
Slide 28: Construction, Clearest Investment Cost Advantage
Status Quo Premises Investment Price Watchlist Scenario Map CONSTRUCTION, CLEAREST INVESTMENT COST ADVANTAGE 2025, EU=100 EU = 100 Overall investment Construction 62.1 Residential buildings 47.6 Non-residential buildings 69.5 Civil engineering works 78.4 75.8 Eurostat, comparative price levels for i
Slide 29: Untapped Potential: Internal Convergence
Status Quo Premises Investment Price Watchlist Scenario map UNTAPPED POTENTIAL: INTERNAL CONVERGENCE INTERNAL EU CONVERGENCE CONVERGENCE OECD 24/25 stages RRF ~EUR 7.3 BN SAFE ~EUR 16 BN ≥ 48 to 56 ≥ 71 to 77 ≥ 56 to 59 ≥ 77 to 188 EU COHESION MECHANISM ~EUR 32 BN ≥ 59 to 66 29
Slide 30: Five Signals Will Determine the Next Move
Status Quo Premises Investment Price Watchlist Scenario map FIVE SIGNALS WILL DETERMINE THE NEXT MOVE SIGNAL CURRENT READ Budget execution Credible EU-fund absorption Strong Inflation & Wages Stabilising Current-account financing Stabilising Ratings & sovereign yields Improving perception 30
Slide 31: The Baseline Is Highly Policy-Dependent
Status Quo Premises Investment Price Watchlist Scenario map THE BASELINE IS HIGHLY POLICY-DEPENDENT FORECAST 2027 – BASELINE FOR MORE INSIGHTS GDP 2.3% Unemployment 6.2% Budget Deficit 5.3% of GDP Public Debt 63.4% EUR/RON 5.36% BT RESEARCH Key Policy Rate 5.75% BT Research Forecast 31
Slide 32: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH
Slide 33: Deepening Client Relationships
DEEPENING CLIENT RELATIONSHIPS OANA ILAȘ
Slide 34: Growing & Deepening Client Relationships
Relevance Perspectives Proven Delivery Path Forward Ambition GROWING & DEEPENING CLIENT RELATIONSHIPS 4.5 1.2 MN MN Active customers (+5%YoY). Customers with savings 55% receive recurring products (+14% YoY). income in BT Leading position in savings 1.6 0.7 MN MN Loans in portfolio (+5% YoY). BT cus
Slide 35: Strong Foundation, Bright Perspectives
Relevance Perspectives Proven Delivery Path Forward Ambition STRONG FOUNDATION, BRIGHT PERSPECTIVES WHERE WE ARE EVOLUTION WHERE WE HEAD STRONG, DIVERSIFIED & ENGAGED CLIENT BASE DEEPER RELATIONSHIPS, HIGHER VALUE 0.8 MN youth • ~175k Premium & Private • SCALE Dedicated propositions underway for ~21
Slide 36: BT Pay Consolidating as the Heart of Retail Universe
Relevance Perspectives Proven Delivery Path Forward Ambition BT PAY CONSOLIDATING AS THE HEART OF RETAIL UNIVERSE SCALED EXISTING INTEGRATION WITHIN GROUP ECOSYSTEM • BTAM 55% new subscribers via BT Pay • BT PENSII 30% new subscribers via BT Pay (in first 12 months) EXCEED 5 MN USERS EXPANDED THE PO
Slide 37: Ready for Responsible Agentic Shopping
Relevance Perspectives Proven Delivery Path Forward Ambition READY FOR RESPONSIBLE AGENTIC SHOPPING 1ST BANK IN ROMANIA TO PERFORM A TRANSACTION 8 OUT OF 10 Romanians use AI tools, creating FULLY MANAGED BY AI a significant opportunity for AI- Possible due to our differentiating enabled services* pa
Slide 38: BT RISE Program to Evolve Retail Commercial Model
Relevance Perspectives Proven Delivery Path Forward Ambition BT RISE PROGRAM TO EVOLVE RETAIL COMMERCIAL MODEL #5 #6 PARTNERSHIPS CUSTOMER VALUE BEYOND BANKING MANAGEMENT To deliver BT as Data & AI enabled lifestyle ecosystem CVM engine to ambition #3 target customers with the right offer, at the ri
Slide 39: 5Y Retail Ambition on Path to BT100
Relevance Perspectives Proven Delivery Path Forward Ambition 5Y RETAIL AMBITION ON PATH TO BT100 #1 6 MN ACTIVE CLIENTS RETAIL ECOSYSTEM x2 RETAIL LOAN BOOK +10 The ambition that PP unifies scale, depth SHARE OF NON-RISK INCOME and customer value. +50 % REVENUE PER CLIENT ORGANIC GROWTH 39
Slide 40: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH
Slide 41: Powering the Next Era of Business Growth
POWERING THE NEXT ERA OF BUSINESS GROWTH TIBERIU MOISĂ
Slide 42: BT Is the Leading Bank for Businesses in Romania
Top Tier Tomorrow Things Get Done Scale Up Partnership BT IS THE LEADING BANK FOR BUSINESSES IN ROMANIA 680 45 K % BUSINESS CLIENTS NEWBORN COMPANIES >10% ACQUIRED JUST THIS YEAR IN THE H1-26 BECAME BT CLIENTS 117 29.5 K BN COMPANIES FINANCED LOAN STOCK ACROSS BT GROUP +9.7% IN H1-26, VS. +7.3% MARK
Slide 43: The Best Time to Transform Is When You're Doing OK
Top Tier Tomorrow Things Get Done Scale Up Partnership THE BEST TIME TO TRANSFORM IS WHEN YOU’RE DOING OK SERVING THE ENTREPRENEURIAL SEGMENTS IS BECOMING MORE DEMANDING … SO WE’RE REDESIGNING EVERYTHING MORE DIVERSE CLIENT NEEDS Micro, SME and Corporate clients require CLIENT SEGMENTATION increasin
Slide 44: Building the Engines for Future Growth
Top Tier Tomorrow Things Get Done Scale Up Partnership BUILDING THE ENGINES FOR FUTURE GROWTH ONLINE ONBOARDING CREDIT GO (ONLINE) Capturing companies early in their lifecycle and bringing Increasing financing penetration across our client base them directly into the BT ecosystem through simple, sca
Slide 45: BT Go: The Platform Designed to Scale
Top Tier Tomorrow Things Get Done Scale Up Partnership BT GO: THE PLATFORM DESIGNED TO SCALE 600 Enrolled companies K 61.1 No. of transactions MN 11 MN Bank statements as of Jun-26, o/w 86% as of Jun-26, routed downloaded from BT Go transactionally active through BT Go during H1-26 BEFORE NOW NEXT D
Slide 46: Backing Businesses Through Every Business Lifecycle
Top Tier Tomorrow Things Get Done Scale Up Partnership BACKING BUSINESSES THROUGH EVERY BUSINESS LIFECYCLE START GROW SCALE Helping companies launch Helping companies expand Helping companies become and establish themselves faster stronger and more sophisticated • Frictionless onboarding • Financing
Slide 47: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH
Slide 48: Shaping the Markets
SHAPING THE MARKETS COSMIN CĂLIN
Slide 49: Large Corporate's Trends in Performance
Execution Benchmark Deliverables Strategic Openings Next to Come LARGE CORPORATE’S TRENDS IN PERFORMANCE LAST 5 YEARS TRENDS 230 35 31.1 30 27.6 % YoY 25 21.5 20 16.5 137% 13.2 13.8 15 11.6 9.4 9.1 9.3 10 7.7 YoY 5.7 5 0 2021 2022 2023 2024 2025 Jun-26 Loans (RON BN), ex- public administration Depos
Slide 50: Leading Local Player
Execution Benchmark Deliverables Strategic Openings Next to Come LEADING LOCAL PLAYER CONTINOUS GROWTH MAIN DRIVER TOP SKILLED IN STRATEGIC SECTORS 1 18.2 % ST Project Finance 35% Financier of national strategic projects of 17.5 % Energy Romania LargeCo gross loans 12.1 % 2 Total gross loans Retail
Slide 51: Key Deals Executed in H1
Execution Benchmark Deliverables Strategic Openings Next to Come KEY DEALS EXECUTED IN H1 50.5 TERM LOAN BI MN EUR 3 BN RON SYNDICATED LOAN 39.9 MN EUR WORKING CAPITAL BI 71.5 MN EUR RES FINANCING BI 37 MN EUR INVESTMENT LOAN BI Hilton Venice 14.0% BT Share Food&Bev Sector Project Finance Prima Soli
Slide 52: Clear Growth Targets
Execution Benchmark Deliverables Strategic Openings Next to Come CLEAR GROWTH TARGETS >10 % Target Loan Growth 15 % Target Deposits Growth 1.5 % Target NPL Rate 12 BN RON Factoring Volumes YE-27 YE-27 YE-27 YE-27 PREFFERED BANKING PROJECT FINANCE TOP POSITION IN LBOS AND FOCUSED ON LIQUIDITY PARTNER
Slide 53: Further Opportunities to Extract Value
Execution Benchmark Deliverables Strategic Openings Next to Come FURTHER OPPORTUNITIES TO EXTRACT VALUE INCREASE FEE-DRIVEN AT CENTER OF GROUP’S SYNERGIES BUSINESS Further increase advisory and fees in structured finance INVESTMENTS SCALING BUSINESSES: DEEPEN VALUE Increase the share of flow • Capit
Slide 54: Performance Trend 7 Years
Execution Benchmark Deliverables Strategic Openings Next to Come PERFORMANCE TREND 7 YEARS 11.480 9,265 11,300 DEPOSITS 7,692 9,099 MIL RON 4,951 4,472 5,937 13 % 30,600 27.600 LOANS 289 % 21,530 13,162 16,549 MIL RON 7,082 7,309 9,364 *Budget 2026: RON +3 MLD 856 1.006 REVENUES 1000% 499 MIL RON 16
Slide 55: 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 56: Investor Day: Setting the Next Stage of Growth
INVESTOR DAY SETTING THE NEXT STAGE OF GROWTH