Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Investor Day (2025)
17 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: The Courage to Shape the Narrative
THE COURAGE TO SHAPE THE NARATIVE SERGIU MIRCEA
Slide 4: Sergiu Mircea
SERGIU MIRCEA EXECUTIVE DIRECTOR, MARKETING, COMMUNICATIONS & CUSTOMER EXPERIENCE Sergiu Mircea in his role of Executive Director has shaped the bank’s brand and communication strategy for over two decades. His approach blends business acumen with marketing insight, positioning BT as a purpose-drive
Slide 5: 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 6: 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 7: 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 8: 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 9: 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 10: 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 11: 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 12: 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 13: 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 14: 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 15: 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 16: 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 17: Investor Day: Signals That Shape Tomorrow
INVESTOR DAY SIGNALS THAT SHAPE T OMORROW