Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — FY2025 Earnings Presentation
42 slides from Banca Transilvania Sa's earnings presentation, Mar 2, 2026
Slide 1: Banca Transilvania 2025 Financial Results
Banca Transilvania 2025 Financial Results The 2nd of March 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 Capital Risk Landscape Performance Markets 1 2 3 4 BT Financial Sustainability Appendix Group 5 6 7
Slide 4: Romanian Economy
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group ROMANIAN ECONOMY RELATIVELY HIGH WEALTH IN THE CEE RELATIVELY LOWER DEBT TO GDP RATIOS INFLATION GDP per capita 2024 (PPS, EU27_2020 = 100) General Government Debt Q3 2025, % GDP Consumer pri
Slide 5: Banking Sector Evolution
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group BANKING SECTOR EVOLUTION POSITIVE LENDING GROWTH DEPOSITS PICKING-UP MOMENTUM STRONG ASSET QUALITY AND ROBUST CAPITAL Corporate loans (%, YoY) Corporate deposits (%, YoY) NPL ratio % (EBA Ris
Slide 6: Looking Forward: BT Outlook 2026
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group LOOKING FORWARD BT OUTLOOK 2026 Real GDP (%, YoY) 1.67% Inflation (CPI) (%, EOP, YoY) 4.30% • 2026 becomes a year of qualitative growth improvement, even if headline numbers remain Unemployme
Slide 7: Agenda
AGENDA Macroeconomic Business Capital Risk Landscape Performance Markets 1 2 3 4 BT Financial Sustainability Appendix Group 5 6 7
Slide 8: BT Performance
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group BT PERFORMANCE INDIVIDUAL CONSOLIDATED PROFITABILITY 2025 2024 ∆ 2025 2024 ∆ Net interest income RON | MN 6,631.2 5,532.2 19.9% 8,065.5 6,907.8 16.8% Net fee and commission income RON | MN 1,
Slide 9: BT Individual: Trends in Income
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group TRENDS IN INCOME RON | MN NIM NII NFCI NTI Net gain/loss 7.00% 6.75% BT INDIVIDUAL from 6.50% 6.50% fin. assets 1,388 4.73% 6,631 1,268 3.92% 3.46% 3.91% 5,532 4.50% 3.43% 3.10% 2.76% 2.97% 8
Slide 10: BT Individual: Trends in Opex
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group TRENDS IN OPEX RON | MN C/I RATIO D&A Other Personnel BT INDIVIDUAL OPEX* 39.41% ** 1,728 48.3% 47.5% 48.3% 46.7% 2,163 45.1% 45.4% 1,945 1,367 487 48.1% 49.7% 269 45.3% 45.6% 45.4% 44.4% 419
Slide 11: Sustained Portfolio Growth
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group SUSTAINED PORTFOLIO GROWTH LOANS TO HOUSEHOLD 26.7%* BT INDIVIDUAL 37% 14.6 17.9 Fix Consumer Consumer 93% 37% 33.9 43.0 RON Floating BN RON 19.3 BN RON 24.9 (Fix Intr) Housing Housing 7% 26%
Slide 12: Growing Depositor's Base
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group GROWING DEPOSITOR’S BASE DEPOSITS FROM HOUSEHOLD BT INDIVIDUAL 13.2% * 60% 54.3 62.7 RON Deposits Deposits 98.0 110.9 BN RON 43.7 BN RON 48.3 40% Current Current FCY accounts accounts Dec’25
Slide 13: Retail Banking
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group RETAIL BANKING LAST 5 YEARS TRENDS New Active clients No. of LOANS (RON BN) Mortgages* (MN) Cards (MN) (BN RON) 12 % CAGR 2020-2025 43.0 8.1 5.8 40.7 % 26.9 28.9 31.4 33.9 7.0 Retail gross lo
Slide 14: BT Pay: Reshaping Customer Behaviour
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group BT PAY: RESHAPING CUSTOMER BEHAVIOUR 2021 – 2025 MARKET EVOLUTION FROM CASH TO FROM CARD TO FROM FRICTION TO CASHLESS CARDLESS FRICTIONLESS 93% from card transactions EVERY 2ND card transacti
Slide 15: Mid-Corporate, SME & Micro
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group MID-CORPORATE, SME & MICRO LAST 5 YEARS TRENDS Loans Active clients New loans * LOANS (RON BN) composition (MN) (BN RON) (BN RON) 16 % 26.7 CAGR 2020-2025 22.9 16.1 20.0 25.3 0.53 % 6.6 17.6
Slide 16: Reinforcing Our DNA on the Micro & SME Segment
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group REINFORCING OUR DNA ON THE MICRO & SME SEGMENT MICRO & SMES TRANSFORMATION BEST POSITIONED IN ECOSYSTEM THROUGH BT GO CRITICAL SECTORS ~4/10 of Romanian start-ups 544K enrolled companies o/w
Slide 17: Large Corporate Banking
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group LARGE CORPORATE BANKING LAST 5 YEARS TRENDS Loans Factoring Structured composition volumes Finance LOANS (RON BN) (BN RON) (BN RON) (BN RON) 39 % 36.0 CAGR 2020-2025 29.4 34.0 25.6 % 6.3 24.5
Slide 18: Leading Local Underwriter
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group LEADING LOCAL UNDERWRITER CONTINOUS DOUBLE TAPPING INTO FURTHER HIGHLY SKILLED IN DIGIT GROWTH POTENTIAL CRITICAL SECTOR 1ST financier of national 20.3% Project Finance PENETRATION OF strateg
Slide 19: NPS, Our Metric for Further Growth
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group NPS, OUR METRIC FOR FURTHER GROWTH 1 5 ST OVER TWO THIRDS MN OF CUSTOMERS ARE PROMOTERS 69 % BT took the lead in terms Active of NPS on the Romanian customers banking market 64 85 150 52 % LE
Slide 20: Agenda
AGENDA Macroeconomic Business Capital Risk Landscape Performance Markets 1 2 3 4 BT Financial Sustainability Appendix Group 5 6 7
Slide 21: Confident Capital Ratios at Group Level
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group CONFIDENT CAPITAL RATIOS AT GROUP LEVEL CAPITAL RATIOS*, % OWN FUNDS*, % *Preliminary figures *Preliminary figures BT GROUP 21.64% 21.64 3.80 50.7 % 11.9 % 8.9 % 17.84% CET 1 Additional Tier
Slide 22: Banca Transilvania Maintains Robust Capital Adequacy
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group BANCA TRANSILVANIA MANTAINS ROBUST CAPITAL ADEQUACY CAPITAL RATIOS*, % OWN FUNDS*, % *Preliminary figures *Preliminary figures BT INDIVIDUAL 22.71% 22.71 4.85 55.3 % 12.9% 8.8 % 17.86% 17.77%
Slide 23: Capital Requirements vs Realised
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group CAPITAL REQUIREMENTS VS REALISED BT GROUP BT STAND ALONE BT GROUP 2023 2024 Q3 2025 YE 2025 2023 2024 Q3 2025 YE 2025 Pillar 1 CET1 requirement 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50%
Slide 24: Prudent Underwriting Leading to Strong Asset Quality
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group PRUDENT UNDERWRITING LEADING TO STRONG ASSET QUALITY BT NPL EBA & NPL COVERAGE RATIO, % COST OF RISK, % 3.35% 0.76% 0.72% 0.67% 0.69% 2.65% 2.69% 2.37% 2.48% 0.51% 2.71% 0.65% 2.44% 2.40% 0.5
Slide 25: High Liquidity Levels Maintained
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group HIGH LIQUIDITY LEVELS MAINTAINED GROUP LIQUIDITY RATIOS EVOLUTION MREL CAPACITY VS REQUIREMENTS* *Preliminary figures, without including the unaudited profit for 2025 LIQUIDITY COVERAGE RATIO
Slide 26: BT's Credit Ratings
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group BT’S CREDIT RATINGS MOODY’S FITCH RATINGS Long- and Short-Term Counterparty Risk Foreign Currency Baa1/P-2 Ratings (CRRs) Long-Term IDR BBB- Long- Term Deposit Ratings Baa1 Short- Term Deposi
Slide 27: Agenda
AGENDA Macroeconomic Business Capital Risk Landscape Performance Markets 1 2 3 4 BT Financial Sustainability Appendix Group 5 6 7
Slide 28: Delivering on Investors Expectations
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group DELIVERING ON INVESTORS EXPECTATIONS 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 80% 16% 14.0% 60% 12% 40% 8% 7.5% 7.3% 5.9% 5.0% 5.0% 4.8% 20% 4% 3.8% 2.9% 2.1% 60.6% 38.0% 49.2% 65.5%
Slide 29: BT in International Markets
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group BT IN INTERNATIONAL MARKETS TLV BONDS PERFORMANCE 9.00 8.00 7.00 6.00 5.00 4.00 3.00 2.00 28-Feb-25 30-Apr-23 29-Feb-24 31-Aug-23 31-Oct-23 31-Aug-24 31-Oct-24 31-Aug-25 31-Oct-25 30-Jun-25 3
Slide 30: Agenda
AGENDA Macroeconomic Business Capital Risk Landscape Performance Markets 1 2 3 4 BT Financial Sustainability Appendix Group 5 6 7
Slide 31: From Commitment to Results
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group FROM COMMITMENT TO RESULTS ESG RATINGS SUSTAINABLE FINANCING FTSE RUSSELL 3.3/5 GREEN MORTGAGES SUSTAINALYTICS 14.9 Low ESG Risk • In 2025, we originated approximately 3,500 green mortgages,
Slide 32: Agenda
AGENDA Macroeconomic Business Capital Risk Landscape Performance Markets 1 2 3 4 BT Financial Sustainability Appendix Group 5 6 7
Slide 33: Integrated Financial Group Leverage on Network Effect
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group INTEGRATED FINANCIAL GROUP LEVERAGE ON NETWORK EFFECT TOTAL ASSETS BT GROUP 92% 90% 4% 3% 3% 3% 1% 1% 1% 1% 1% 1% 0% 1% 0% 0% BT Leasing & Microfinancing Consumer Moldova Asset Salt Bank Othe
Slide 34: BT Financial Group Highlights
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group BT FINANCIAL GROUP HIGHLIGHTS BT ASSET MANAGEMENT BT LEASING • AUM reached RON 9 bn, +48.5% yoy, • 10% total assets growth vs. 2024 • Investor base up by 66% to 420,000+ • 97% increase of net
Slide 35: Banca Transilvania Positioned for Growth in 2026
BANCA TRANSILVANIA POSITIONED FOR GROWTH IN 2026 BT STANDALONE 2021 2022 2023 2024 2025 Guidance 2026 NET LOANS (YoY) +29.4% +21.5% +12.8% +13.8% +22.5% +9% TOTAL DEPOSITS (YoY) +16.3% +13.4% +15.4% +12.2% +12.0% +6% NII (YoY) +6.2% +33.5% +18.1% +28.1% +19.9% +7% NFCI (YoY) +22.8% +23.8% +10.8% +14
Slide 36: Agenda
AGENDA Macroeconomic Business Capital Risk Landscape Performance Markets 1 2 3 4 BT Financial Sustainability Appendix Group 5 6 7
Slide 37: Annex 1: Income Statement, IFRS Individual
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group ANNEX 1: INCOME STATEMENT, IFRS INDIVIDUAL Q4 Q3 Q2 Q1 Q4 RON | MN 2025 2024 YoY QoQ 2025 2025 2025 2025 2024 Net interest income 6,631.2 5,532.2 19.9% 1,709.4 1,727.7 1,658.9 1,535.2 1,435.9
Slide 38: Annex 1: Balance Sheet, IFRS Individual
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group ANNEX 1: BALANCE SHEET, IFRS INDIVIDUAL RON | MN 2025 2024 ∆ YTD Cash & cash equivalents 23,224.3 16,908.4 37.4% Placements with banks and public institutions 14,476.3 13,612.1 6.3% Loans to
Slide 39: Annex 2: Income Statement, IFRS Consolidated
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group ANNEX 2: INCOME STATEMENT, IFRS CONSOLIDATED Q4 Q3 Q2 Q1 Q4 RON | MN 2025 2024 YoY QoQ 2025 2025 2025 2025 2024 Net interest income 8,065.5 6,907.8 16.8% 2,108.6 2,042.8 1,952.6 1,961.5 1,896
Slide 40: Annex 2: Balance Sheet, IFRS Consolidated
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets Group ANNEX 2: BALANCE SHEET, IFRS CONSOLIDATED RON | MN 2025 2024 ∆ YTD Cash & cash equivalents 25,499.3 21,950.2 16.2% Placements with banks and public institutions 16,552.3 13,714.9 20.7% Loans
Slide 41: Definitions and Abbreviations
Macroeconomic Business Capital BT Financial Risk Sustainability Appendix Landscape Performance Markets 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 financial lea
Slide 42: Thank You
THANK YOU investor.relations@btrl.ro +40 264 407 150 +40 264 301 128 Calea Dorobantilor, Nr. 30- 36, Cluj-Napoca, Romania