Environment
Social Governance

Our commitment to responsible, impactful financing is embedded in our product offering, ranging from green mortgages to green personal needs loans.

Through these products, we seek to support our clients in all their projects, helping both their development and their adaptation to the context of sustainable development. We have increased our focus on energy efficiency projects, smart agriculture, efficient transport, and water efficiency.

Our customers must be in a position to make informed financial decisions. So, we help them to know and understand what they need to manage effectively.

Through Intreb BT a friendly, easy to use platform, people can find answers to the most searched-for banking topics, ranging from cards, loans, internet & mobile banking, even how to recover a lost or forgotten password.

BT's diversity and inclusion initiatives include deliberate efforts to create an inclusive and equitable workplace that values and respects people from different backgrounds, identities, and experiences.

These initiatives aim to foster a culture that embraces diversity and empowers all employees to contribute their unique perspectives and talents. Our initiatives are tailored to our specific organizational culture, goals, and challenges, always attentive to everyone’s rights to increase a diverse work force and hence improve performance.

We take cybersecurity very seriously. All our internal information security policies are developed in accordance with the ISO 27001 standard. To secure online and POS payments, we comply with the Strong Customer Authentication standards, part of the European Directive on Payment Services (PSD2).

Access to banking applications - BT Pay, Neo BT, BT24 and BT Visual Help - is carried out in a secure manner, with high safety requirements.

Cards added to the BT Pay app and other wallet (Apple Pay, Google Pay, Fitbit Pay, Garmin Pay) are tokenised. Our issued cards also comply with internationally regulated security standards of Visa/Mastercard payment schemes.

MAI MULT

We take responsibility for protecting the environment and contributing to the development of a sustainable, more inclusive society, making banking services more accessible.

We therefore set goals that reinforce our commitment to a more financially inclusive future, such as the development of innovative payment applications and services and the provision of dedicated payment products such as BT Pay, Apple Pay, Google Pay, smartwatches (Fitbit Pay, Garmin Pay), payment solutions for entrepreneurs and small business owners such as traditional POS, POS app and BTeCommerce.

For us, corporate citizenship is about accountability and transparency. More specifically, it is our way of saying thank you to the communities we are part of.

Supporting social ventures means both participating in national projects and providing one-off support for local needs through our local network. This allows us to stay connected with the community.

MAI MULT

Aligning the interests of all stakeholders is a key aspect of our day-to-day operations, which is why transparency about our strategic direction, objectives and risk management is essential. We take responsibility for creating a sustainable business and a positive impact on society.

This mindset has helped us gain more than two decades of experience on the Bucharest Stock Exchange.

Furthermore, by making this principle a fundamental rule, we constantly communicate efficiently with all stakeholders, according to our Financial Calendar, offer transparent financial results, organise conference calls meet with investors at various international conferences, or regularly publish informative reports on financial results.

Our commitment to sustainable development has been demonstrated over the past few years. We continue to support the steps taken at the European Union level towards the transition to a sustainable economy and we are aware of the role we have, as part of the financial sector in Romania, to allocate capital to projects or causes that contribute positively to this transition.

We have partnered with international financial institutions such as EBRD, IFC, EFSE, AIIB to develop funding portfolios in sustainable areas and to stimulate innovation and positive impact on our society and environment.

BT means people. And above all, we are a team. We work together, supporting and encouraging each other because we know that what we do every day has a direct impact on our customers.

To ensure smooth and optimal business operations, we have consolidated our core strategy and developed new programmes and activities for our employees with high attendance figures recorded in development programmes.

Skilling #peopleofBT meant creating a digital space to promote the Think Green concept bringing together webinars, resources regarding funding programs, legislation in Romania and the European Union, Q&A on how to carry out the lending activity.

We are highly receptive to technological innovation, ensuring that we streamline the process of communicating information in real time, with a focus on continuous adaptation in times of rapid change.

We see extraordinary opportunities for customers in terms of mobility through remote banking, access to new products and services, and rapidly growing confidence in online payments.

By adopting the UNEP FI (United Nations Environmental Programme - Finance Initiative) Principles for Responsible Banking (PRB) in February 2022, we have ensured that our business strategy and practices are aligned with the Sustainable Development Goals and the provisions of the Paris Agreement.

We have taken extensive steps to analyse the impact of our portfolio on the economy, environment and society, to identify negative or positive contributions to sustainable development, and to identify activities undertaken by the Bank that can have a significant impact.

For details, please refer to the Self-Assessment Report on the Implementation of the Principles for Responsible Banking, 2022.

Clean & Green mobility translates into BT Leasing and Idea::Leasing, Banca Transilvania Financial Group’s companies through we finance sustainable solutions that are meant to reduce the impact of transport on climate change and air pollution.

Promoting green finance is one of our strategic objectives. Thus, we have created a point where we ensure accessibility to the purchase of electric and hybrid cars for individuals and companies.

BT's financial ecosystem is complemented by BT Mic & Stup, created to support, and help the entrepreneurial community under the umbrella of #sefacelastup.

BT Mic provides funding to the smallest companies in the market, financing start-up entrepreneurs with an annual turnover of up to 1 million lei. The purpose of the loan can range from supporting and developing the day-to-day business to purchasing goods, paying suppliers, investing in jobs and/or creating new ones, purchasing machinery and equipment.

Stup is a physical & virtual space that brings together most of the products and services an entrepreneur needs. It hosts events for entrepreneurs and aspiring entrepreneurs, organised both by BT and partners. It is open to all entrepreneurs, regardless of which bank they are a customer of, with no membership fee, free advice, and many discounts on partner products.