Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — 9M 2025 Earnings Presentation
37 slides from Banca Transilvania Sa's earnings presentation, Nov 11, 2025
Slide 1: Banca Transilvania 9M YTD 2025 Financial Results
Banca Transilvania 9M YTD 2025 Financial Results The 11th of November 2025
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 GSM 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 ENDOGEN & EXOGEN FACTORS RELATIVELY HIGH WEALTH IN THE CEE TO SUSTAIN OUTPERFORMANCE GDP per capita 2024 (PPS, EU27_2020 = 100) EU 100 • Romania is the 2nd largest econ
Slide 5: Banking Sector Evolution
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BANKING SECTOR EVOLUTION LENDING GROWTH HIGHER THAN THE EU AVG. DEPOSITS DROP BELOW THE EU AVG. STRONG ASSET QUALITY AND ROBUST CAPITAL Corporate loans (%, YoY) Corporate deposits (%, Y
Slide 6: YTD Banking Sector Evolution
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group YTD BANKING SECTOR EVOLUTION CORPORATE DEPOSITS DROPED FROM DEC-24 CORPORATE LOANS ON AN ASCENDING TREND KEY INSIGHT Corporate deposits (BN | RON) Corporate loans (BN | RON) Corporate d
Slide 7: Banking Sector Indicators
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BANKING SECTOR INDICATORS ROMANIAN BANKING SECTOR KEY HIGHLIGHTS OF MARKET SHARES BY TOTAL ASSETS* THE BANKING SECTOR INCREASED EVOLUTION OF RESILIENCE ASSET QUALITY 235 % 2.81 % Liquid
Slide 8: Sovereign ratings affirmed, new fiscal measures adopted
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SOVEREIGN RATINGS AFFIRMED, WHILE NEW FISCAL MEASURES ADOPTED/PROPOSED TO EASE BUDGET DEFICIT S&P GLOBAL – JULY 2025 FITCH – AUGUST 2025 • S&P Global has affirmed Romania's sovereign ra
Slide 9: Agenda
AGENDA Macroeconomic Business GSM Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 10: BT Performance
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT PERFORMANCE INDIVIDUAL CONSOLIDATED PROFITABILITY 9M 2025 9M 2024 ∆ 9M 2025 9M 2024 ∆ Net interest income RON | MN 4,921.8 4,096.3 20.2% 5,956.9 5,011.4 18.9% Net fee and commission
Slide 11: BT Individual: Trends in Income
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group TRENDS IN INCOME RON | MN NIM Net interest Net fee & Net trading Net gain/loss 6.75% 7.00% BT INDIVIDUAL commission from 6.50% 6.50% income income income fin. assets 4.73% 4,922 3.91% 3
Slide 12: 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 Personnel Depreciation Other 39.92%** BT INDIVIDUAL expenses and operating amortization expenses* 48.3% 47.5% 45.4% 48.3% 46.7% 1,204 1,630 1,444 966 3
Slide 13: Sustained Portfolio Growth
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group SUSTAINED PORTFOLIO GROWTH LOANS TO HOUSEHOLD 25.9% * BT INDIVIDUAL 36% 14.6 17.6 Fix Consumer Consumer 93% 42.7 RON 32% 33.9 19.3 BN RON Housing BN RON 24.9 Floating Housing 7% FCY 0.0
Slide 14: Growing Depositor's Base
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group GROWING DEPOSITOR’S BASE DEPOSITS FROM HOUSEHOLD 7.7% * BT INDIVIDUAL 60% 54.3 60.3 RON 98.0 Deposits 105.6 Deposits BN RON BN RON 40% 43.7 45.3 FCY Current Current accounts accounts Se
Slide 15: Agenda
AGENDA Macroeconomic Business GSM Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 16: Robust Group Capital Ratios
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group ROBUST GROUP CAPITAL RATIOS CAPITAL RATIOS AS AT 30 SEP 2025, % OWN FUNDS’ STRUCTURE AS AT 30 SEP 2025, % BT GROUP 19.82% 19.82 17.84% 1.98 57.5 % 10.4 % 17.75% CET1 CET 1 Tier 2 6.00 C
Slide 17: Conservative Capital Adequacy. Constant Risk Density
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group CONSERVATIVE CAPITAL ADEQUACY. CONSTANT RISK DENSITY CAPITAL RATIOS AS AT 30 SEP 2025, % OWN FUNDS’ STRUCTURE AS AT 30 SEP 2025, % BT INDIVIDUAL 20.28% 20.28 17.86% 2.42 63.4 % 10.8 % 1
Slide 18: 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% 0.89% 2.65% 2.81% 2.82% 2.37% 2.48% 0.76% 0.74% 0.67% 0.66% 0.84% 2.71% 2.6
Slide 19: High Liquidity Levels Maintained
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group HIGH LIQUIDITY LEVELS MAINTAINED GROUP LIQUIDITY RATIOS EVOLUTION MREL STRATEGY - UPDATES BT GROUP 767% 101 BPS 144 BPS 528% 747% 514% 439% 373% 506% 461% 268% 33.14% 427% 32.71% 31.70%
Slide 20: BT's Credit Ratings
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT’S CREDIT RATINGS MOODY’S RATINGS 2025 REVIEW 2024 REVIEW Long-Term Deposit Ratings Baa1, negative Baa2, positive 3 Notches Uplift vs. BCA Long- and Short-Term Issuer Ratings Baa2, st
Slide 21: Agenda
AGENDA Macroeconomic Business GSM Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 6 7 8 5
Slide 22: Approval of Additional Dividends
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group APPROVAL Approval of additional RON 700MN cash dividends from OF ADDITIONAL the reserves related to prior years, as follows: DIVIDENDS • 2015: RON 283.3MN – net profit reserves DISTRIBU
Slide 23: Agenda
AGENDA Macroeconomic Business GSM Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 24: Customer Satisfaction
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group CUSTOMER SATISFACTION BEING AT THE CORE OF OUR ESG STRATEGY, CUSTOMER SATISFACTION REFLECTS HOW WELL WE SERVE OUR CLIENTS CORPORATE RETAIL ✓ Dedicated Account ✓ Product Offering Manager
Slide 25: Agenda
AGENDA Macroeconomic Business GSM Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 26: 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 ENROLLED USERS, MOBILE/NFC PAYMENTS AS OF 30 SEP-25 AS OF 30 SEP-25 4.5 MN 236 MN 25% 9M25 / 9M24 31% 9M25 / 9M24 BUILDING FINANCIAL WEL
Slide 27: 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 30 SEP-25 AS OF 30 SEP-25 452 K O/W 76% TRANSACTIONALLY 19.6 ROUTED THROUGH BT GO M ACT
Slide 28: Agenda
AGENDA Macroeconomic Business GSM Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 29: BT Financial Group Highlights
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT FINANCIAL GROUP HIGHLIGHTS BANCA TRANSILVANIA BT PENSII • EUR 6 BN market cap (+21% vs. YE-24) • #2 in Pillar III– up from #6 in five years, with 180K participants • 7.65% dividend y
Slide 30: BT Financial Group Overview
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group BT FINANCIAL GROUP OVERVIEW Net Profit Net Profit Net Profit Net Profit RON 2,922.3 MN RON 35.9 MN RON 27.8 MN RON 31.5 MN Total Assets Total AUM Total Assets Total Assets RON 201,059 M
Slide 31: Agenda
AGENDA Macroeconomic Business GSM Risk Landscape Performance Decisions 1 2 3 4 BT Financial Sustainability Digital Appendix Group 5 6 7 8
Slide 32: 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 YTD-25 YTD-24 YoY Q3-25 Q2-25 Q1-25 Q3-24 QoQ Net interest income 4,921.8 4,096.3 20.2% 1,727.7 1,658.9 1,535.2 1,421.8 4.1% Net fee
Slide 33: 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 SEP-25 DEC-24 SEP-24 ∆ YTD ∆ YoY Cash & cash equivalents 21,764.4 16,908.4 23,788.5 28.7% -8.5% Placements with banks and public institu
Slide 34: 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 YTD-25 YTD-24 YoY Q3-25 Q2-25 Q1-25 Q3-24 QoQ Net interest income 5,956.9 5,011.4 18.9% 2,042.8 1,952.6 1,961.5 1,887.0 4.6% Net fe
Slide 35: 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 SEP-25 DEC-24 SEP-24 ∆ YTD ∆ YoY Cash & cash equivalents 24,512.1 21,950.2 29,407.8 11.7% -16.6% Placements with banks and public inst
Slide 36: Definitions and Abbreviations
Macroeconomic Business GMS BT Financial Risk Sustainability Digital Appendix Landscape Performance Decisions Group DEFINITIONS AND ABREVIATIONS BT Banca Transilvania Impairment or reversal of impairment, including recoveries, divided by COST OF monthly average of total gross loans and advances to cu
Slide 37: Thank You
THANK YOU investor.relations@btrl.ro +40 264 407 150 +40 264 301 128 Calea Dorobantilor, Nr. 30- 36, Cluj-Napoca, Romania