BT’s message 
to shareholders

The expansion of Banca Transilvania has resulted in enhanced synergies, benefiting both our customers and the bank. This allows us to serve more effectively those who choose to bank and grow with us.

Another important fact for 2024 is the consistent and constant increase in transaction volumes that run through BT, generating efficiency and synergies that we pass on to our clients, as we are a universal bank with a network of 530 branches and banking solutions for all customer categories.

We have successfully ensured comprehensive coverage across all businesses, segments and geographies. Our size helps us to address the large corporate market better and on a much larger scale, with a particularly good year in this business area. Our commitment to entrepreneurs remains unwavering, with the belief that the prosperity of Romania is closely tied to the success of its SMEs. In retail we have all types of customers ranging from young individuals opening their first bank accounts to those securing home loans through BT financing. We aim to enhance our presence in the private banking and premium segments by leveraging synergies at the Group level through the effective provision of asset management, brokerage, funds, leasing and pension services. 

We recognize the vital role that large financial institutions play in Romania's economic landscape. Their ability to provide financing at lower costs and in larger volumes not only facilitates the growth of large corporations but also ensures profitability across various industries and translates into more affordable borrowing options for our customers. Banca Transilvania remains a key player in this sector.

• Over 66,000 companies and 530,000 individuals have chosen to work with Banca Transilvania. BT reached almost 4.6 million customers at the end of last year, of whom 4.1 million are retail clients and more than 480,000 are companies.
  
  
• The bank financed companies with RON 26.6 billion, and individuals with RON 8.8 billion. New amounts granted to Micro and SME customers were RON 2 billion higher as compared to 2023. The bank was a partner in the state-guaranteed programs: IMM Invest Plus and Creditul Fermierului, with financing of over RON 3.5 billion.
  
  
• The bank granted more than 300,000 loans, +9.4% in 2024 vs. 2023. Out of which 135,000 are consumer loans.
  
  
• The gross loan balance at bank level is +13.5% (Y/Y), of which a significant increase of 17.5% accounts for outstanding loans to companies. The volume of loans to the population is 7.9% higher.
  
  
• The number of cards reached 7 million, including BT cards issued to OTP Bank Romania customers, and card transactions increased by 23% compared to 2023.

BT Group companies are another area of growth for us. 2024 has been a highly active year for us in terms of acquisitions, integrations and mergers, both in Romania and in the Republic of Moldova.

We started the year on solid ground.

We will focus on our customers, including on Romanians in the diaspora, while leveraging our vertical and horizontal integration at the Group level - we have all the essential business lines, an extensive network and self-banking solutions, as well as banking-related companies. The year 2025 is particularly significant as we surpass 5 million customers and achieve a 23% market share. In view of these figures and our goals, we are calling it the year of the customer, but the year of the customer is every year.

We approach the market as a whole, looking for opportunities both for BT and for Romania to catch up with the West. We have key advantages, such as: the size of the country, the quality of human capital, the diversity of natural resources. Moreover, thanks to our European integration, Romania will be an increasingly important player in the region. Our country has the potential to double the share of banking assets in GDP in the long term, which will contribute to BT Group's growth.

We remain optimistic about the future, but also cautious in the face of a volatile environment with many domestic and international challenges. We will continue to invest in technology, innovation and products through the bank and the BT Group. This will allow us to be as efficient as possible and to continue financing the Romanian economy.

Thank you for your trust,