Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Investor Day (2025)
12 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: Fueling Entrepreneurial Romania Growth
FUELING ENTREPRENEURIAL ROMANIA GROWTH TIBERIU MOISĂ
Slide 4: Tiberiu Moisă, Deputy CEO, MidCorporate and SMEs
TIBERIU MOISĂ DEPUTY CEO, MIDCORPORATE AND SMES Tiberiu Moisă dedicated over 20 years of experience supporting corporate clients of all sizes – small, medium, and large enterprises. His leadership has been instrumental in shaping BT’s position as the bank for entrepreneurial people, serving over 500
Slide 5: It's a story about Romania... SMEs
The Market Until now Business BT Go Stup IT’S A STORY ABOUT ROMANIA... 99 OF ROMANIAN % COMPANIES ARE SMEs 56 % OF ROMANIA’S 63 GDP % OF THE ROMANIAN WORKFORCE IS EMPLOYED BY SMEs 49 % OF THE NATIONAL TOTAL COMPANY REVENUE 5
Slide 6: SMEs
The Market Until now Business BT Go Stup SMEs 27 % Market share accounts, solid know- how in strong shares on Medical & Agriculture 1/3 60 Newly established companies, % leading to a younger client base of SMEs with external financing 370 are holding a loan from BT or one K of its subsidiaries Warm
Slide 7: Business Formation & Account Onboarding
7 The Market Until now Business BT Go Stup BUSINESS FORMATION & ACCOUNT ONBOARDING EVOLUTION OF # COMPANIES THOUSANDS 3% 1,678 1,706 1,609 Romanian companies market registered a healthy growth of 3% annually over the past 3 years 6% 569 539 504 Compared with the market, BT had a double % growth on t
Slide 8: Last 12 Months: Loans and Term Deposits
8 The Market Until now Business BT Go Stup LAST 12 MONTHS LOANS RON | BN TERM DEPOSITS RON | BN Micro SMEs Corporate Total Micro SMEs Corporate Total 6.9 7.0 17.7 6.5 27.0 3.2 7.4 13.6 6.1 6.8 6.0 3.1 6.8 5.6 22.9 16.0 11.2 15% 16 % 21 % 18 % 15% 3% 9% 10% YOY YOY YOY YOY YOY YOY YOY YOY 9M’25 9M’24
Slide 9: Lending Market Share
The Market Until now Business BT Go Stup LENDING MARKET SHARE DECEMBER 2024 LOAN STOCKS #COMPANIES (BN | RON) 1706K 235 47 (~20.0%) 462 (27.1%) BT holds a leading ~20% market share in loans, ranking #1 in Romania — a strong position that highlights trust and scale in the lending market 1244 188 88 (
Slide 10: BT Go, the Business App
The Market Until now Business BT Go Stup BT GO, THE BUSINESS APP ENROLLED COMPANIES NO. OF TRANSACTIONS AS OF 30 SEP-25 AS OF 30 SEP-25 452 K O/W 76% TRANSACTIONALLY 19.6 ROUTED THROUGH BT GO M ACTIVE O/W 79% VIA MOBILE APP VOLUME OF TRANSACTIONS DEPOSITS OPEN AS OF 30 SEP-25 AS OF 30 SEP-25 185 59
Slide 11: How to Run a Business: You Are Here, STUP
The Market Until now Business BT Go Stup HOW TO RUN A BUSINESS: YOU ARE HERE STUP 37.5 K Members in the STUP community 21.5 K One-on-one business discussion 800 Businesses born in STUP 6.1 K Loans granted in STUP 4.1 K Digital solutions customers 11
Slide 12: Investor Day: Signals That Shape Tomorrow
INVESTOR DAY SIGNALS THAT SHAPE T OMORROW