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Banca Transilvania SA

Cluj-Napoca, Cluj, str. Calea Dorobantilor, nr. 30-36, Romania

Aurel Bernat - Executive Director Financial Institutions & Investor Relations

Diana Mazurchievici - Director ESG Integration & Investor Relations

E-mail: investor.relations@btrl.ro

Tel: + 40 264 407 150

Fax: + 40 264 407 179

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Environmental, Social, Governance

ESG principles are a key pillar for us in considering our environmental footprint and the impact on the communities we support as a responsible corporate citizen.  

As a leading figure in the banking industry, these principles shape our decision-making processes and guide the direction of our forthcoming projects.

Environmental Performance

We have played an active role in transitioning to a sustainable economy by integrating environmental responsibility into our financing and value creation strategies. Given that most of a bank’s emissions stem from its loan portfolio, we reduced our environmental impact by financing green projects throughout 2025.

In this way, we accelerated the financing of green projects, making a tangible contribution to the transformation of the economy. We rigorously monitored our carbon footprint across the entire value chain and optimized our own operational flows.

We have consistently aligned our processes with the European Union Taxonomy and expanded our portfolio of sustainable assets, and over time we have become the financial backer of the green transition in Romania.

4.3 BN

RON granted in green loans to companies in Romania.

~4.5 BN

from the existing portfolio has been allocated to bringing assets into line with the EU Taxonomy.

60 %

increase in the balance of green loans compared to the previous year signifies the expansion of eligible financing in areas such as renewable energy, green mobility and energy efficiency.

Financial education

We aim to provide our customers with the support they need to make the best financial decisions. To this end, we offer a variety of tools and materials containing verified, carefully selected information from the BT team. These resources are available on the following platforms:

  • Întreb BT is a user-friendly financial education platform where people can find answers to frequently searched banking questions. Enhanced by artificial intelligence, the platform's search function has been simplified, making it accessible to the general public.

  • FIT – Finance for Everyone, is a financial education program through which we aim to build a solid foundation of financial knowledge for Generations Alpha, Z, and Y. The program includes a series of videos called De Toți Banii, in which we answer common questions about money and banking to improve financial literacy.

  • Online Safety is a website developed to provide a resource of information aimed at protecting customers, entrepreneurs and businesses against digital fraud.

  • The MacRO Zone is a section of the BT Blog that offers clear, accessible explanations of macroeconomic concepts and their influence on a country's economy.
3.5 MLN

people visited Ask BT in 2025, and nearly half a million of whom did so to chat with AI Search.

50 K

children and young people have attended FIT presentations in schools and universities, from launch to the present day.

+200 K

people completed the Online Safety quiz, testing their knowledge of digital fraud.

50

articles have been published in The MacRO Zone.

Diversity and Inclusion

We are committed to promoting a workplace that emphasises diversity and inclusion. Our aim is to create an organisational culture in which people from all backgrounds, with different identities and experiences, feel respected, valued and encouraged to contribute their unique perspectives.

This commitment is embedded in our daily operations and reflected in initiatives tailored to our objectives and challenges. By respecting the rights of every individual and promoting equal opportunities, we seek to enhance workforce diversity and boost performance throughout the organization.

1

Accessibility Statement, available in an accessible format, as well as an independent audit dedicated to assessing and improving the website’s accessibility.

4.5%

adjusted pay gap between women and men across the BT Financial Group.

~55 HOURS

were allocated, on average, to each employee of the BT Financial Group for education and training.

2

public commitments to align with European principles on diversity, equal opportunities and inclusion through membership of the Diversity Charter (2023) and the Romanian Chamber of Commerce for Diversity (2024).

Cybersecurity

The security of money, data and information is one of the most important aspects of banking. Access to banking applications – BT Pay, NEO, BT Go or BT Visual Help – is provided in a secure manner, using complex security protocols.

To secure online and POS payments, we comply with Strong Customer Authentication standards, which form part of the European Payment Services Directive (PSD2).

Cards added to the BT Pay app and other wallets (Apple Pay, Google Pay, Fitbit Pay, Garmin Pay) are tokenized. Furthermore, the cards we issue comply with the international security standards of the Visa and Mastercard payment systems.

29

internal regulations on IT security and data protection.

99 %

completion rate for training sessions on personal data protection.

34,472 HOURS

of online safety training were allocated to #PeopleofBT.

Sustainable payment solutions

We are committed to protecting the environment and promoting to the development of a sustainable, inclusive society by providing more accessible banking services.

Our digital ecosystem includes the BT Pay app for individuals and the BT Go app for entrepreneurs, as well as a variety of self-service solutions, such as BT Visual Help and advanced ATMs.

In line with our dedication to innovation and environmental responsibility, we promote and develop sustainable payment solutions, encouraging digital transactions that reduce paper consumption and lower our operations' carbon footprint.

1 ST

Romania’s first 100% digital neobank was launched within the Banca Transilvania Financial Group.

+4.9 MLN

BT customers switched to digital.

30 K

websites offering the option to pay via “Pay with BT Pay”.

Community

We are the bank for entrepreneurs. We invest in the communities we are part of because we understand that our success is directly proportional to the prosperity of those around us. Our goal is to extend our impact beyond financial services and generate real, sustainable value in the communities we serve.

Our participation in social initiatives demonstrates our commitment to addressing the unique needs of local communities. We support key areas such as education and healthcare. We help nonprofit organizations nurture social capital. We encourage art and culture. We support environmental protection, as well as the conservation, restoration, and promotion of historical heritage.

2.9 B

lei was our direct contribution to Romania’s economy through the payment of taxes and duties to the state in 2025.

350

associations and non-governmental organizations were supported in 2025.

+2 %

of all corporate taxes collected by the Romanian government in 2025 came from our corporate taxes the previous year.

87 MLN

lei were invested in developing local communities by funding cultural and educational events, supporting social causes, and backing community projects.

2 MLN

lei were donated by our customers via BT Pay in 2025, transforming the app into a platform that facilitates community engagement.

Transparency

Aligning the interests of all stakeholders is a key aspect of our daily operations, which is why transparency regarding 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 accumulate more than two decades of experience on the Bucharest Stock Exchange.

Furthermore, by making this principle a fundamental rule, we communicate constantly and effectively with all stakeholders. In line with the financial calendar, we clearly report our financial results, organise video conferences, meet with investors at various international conferences, and regularly publish informative reports on our financial results.

1

The leading bank in Romania, listed on the Bucharest Stock Exchange.

#1

awards from the Investor Relations Association of the Romanian Stock Exchange (ARIR) attest to Banca Transilvania’s performance in strengthening investor relations throughout 2025.

10

VEKTOR rating, for the seventh consecutive year, awarded by the Investor Relations Association of the Romanian Stock Exchange (ARIR) for communication with investors and shareholders.

Responsible financing

Our commitment to sustainable development has been clearly demonstrated in recent years. We continue to support the steps taken at European Union level towards the transition to a sustainable economy and we embrace our role, as a member of the Romanian financial sector, in allocating capital to projects that contribute positively to this transition and create long-term value in our country.

Together with our global partners, including the European Bank for Reconstruction and Development (EBRD), the European Investment Bank (EIB), the European Investment Fund (EIF), and the International Finance Corporation (IFC), we are working closely to develop products and services that support the transition of Romania’s economy. Guided by the Principles for Responsible Banking and as a member of the United Nations Environment Programme Finance Initiative (UNEP-FI), we have developed a comprehensive view of the social and environmental impact of our operations.

1.2 BN

euro raised through sustainable bonds has supported the financing of over 63,500 SMEs, 98,700 jobs in the economy and a contribution of EUR 2.46 billion to Romania’s gross value added.

1.5 BN

lei raised on the local market through sustainable bonds, allocated exclusively to sustainable projects in Romania, strengthening the financing of the real economy and the transition to a more resilient economic model.

847,548 tCO₂e/year

of emissions avoided by channeling €1.2 billion into green and social assets.

#HumanBanking

At Banca Transilvania, #humanbanking means commitment and determination in everything we do. Our organizational culture, based on courage, respect and responsibility, motivates us to perform at our best every day, because we know that every decision we make has a direct impact on our customers. That is how we became number one in banking. And we are not stopping there.

To continue offering the best products and services, we are constantly engaged in personal and professional development.

769.000 HOURS

hours were allocated to BT Financial Group employees for training programmes during 2025.

2

main academies were consolidated within the BT Financial Group: the Leadership and Management Academy and the Sales Academy.

+95 %

of the training hours allocated were aimed at strengthening technical and specialist skills in areas such as banking products and services, operational workflows, financial analysis, project management, legal, IT, etc.

Digital Transformation

We are very receptive to innovations in the tech sector, which is precisely why we strive to build the best possible digital experience for BT Financial Group’s customers. The focus is on developing intuitive systems that are available 24/7 and capable of adapting to the ever-changing needs of our customers.

To ensure the efficiency and security of digital services, we priorities investments in cloud and on-premises infrastructure and the simplification of the core system architecture. We pay particular attention to automation, self-service solutions and omnichannel integrations that enhance the overall customer experience.

We are early adopters of artificial intelligence in banking through the integration of the AI Search function on the Întreb BT platform, and through the integration of Microsoft 365 Copilot and GitHub Copilot into our employees’ work.

1.3 MN

people interacted with the BT Group in 2025 via communication channels that integrate artificial intelligence (AI).

196.486

people out of 4.9 million customers opened a current account with BT, 100% online.

+550 K

unique users used the chatbot in 2025, a 28% increase compared to 2024.

4.39 MN

unprinted pages, required for signing documents related to card transactions, which equates to over 230,000 kWh saved.

Responsible Banking

In February 2022, we signed up to the Principles for Responsible Banking (PRB) of the United Nations Environment Programme Finance Initiative (UNEP-FI). In doing so, we have ensured that our business strategy and practices are aligned with the Sustainable Development Goals and the objectives of the Paris Agreement.

We regularly analyze the impact of our portfolio on the economy, the environment and society, highlighting both positive contributions and those with potential negative impacts on sustainable development, and identifying which of our activities generate a significant impact. The results of these assessments, as well as our sustainability performance, are presented in the 2025 Sustainability Statement, reported in accordance with CSRD requirements and ESRS standards, marking the second consecutive year of reporting within this framework.

1 in 5

new mortgages granted in 2025 falls into the category of green loans, confirming that Banca Transilvania has met its target for the mortgage loan portfolio.

~35 K

agribusiness clients were supported by Banca Transilvania with a total of 6.83 billion lei up to 2025.

~34 K

companies in the healthcare sector were supported by Banca Transilvania with over 1.97 billion lei. This sum financed the private healthcare system throughout 2025.

Entrepreneurial Ecosystem

The BT financial ecosystem is complemented by BT Mic & Stup, which was developed to support the entrepreneurial community.

Through BT Mic, we support the smallest companies on the market by financing entrepreneurs in the start-up phase with an annual turnover of up to one million lei. Loans can be used for various purposes, such as maintaining and expanding day-to-day operations, purchasing goods, paying suppliers, investing in new or existing jobs, or purchasing equipment.

Stup is a physical and virtual space that brings together the products and services entrepreneurs need. It is the perfect place for established or aspiring entrepreneurs to find events organized by us and our partners. Stup is open to all entrepreneurs, regardless of their bank, and has no membership fee. There, entrepreneurs can benefit from free advice and numerous discounts on our partners’ products.

61 K

loans granted by BT Mic have financed small businesses in Romania.

43 K

small businesses were financed by BT Mic since its launch date.

7 in 10

businesses take out their first business loan from BT Mic.

40 K

entrepreneurs make up the Stup community.

Green Mobility

We consider green transportation to be a vital component of building a low-carbon economy and a significant investment opportunity. For this reason, we support the transition to sustainable mobility solutions as part of our green financing strategy.

Within the Banca Transilvania Financial Group, the financing of sustainable mobility solutions is primarily managed through the leasing subsidiaries, which facilitate the majority of these transactions. Our current portfolio includes financing electric and hybrid vehicles for businesses, which supports the decarbonization of commercial fleets.

2/3

of BT Leasing's financed portfolio in 2025 consisted of hybrid and electric vehicles.

+54 %

growth recorded by BT Leasing in financing granted in 2025 compared to 2024.

~22 K

hybrid and electric vehicles, with a total exposure of 2.4 billion lei, were in the portfolio of Banca Transilvania Financial Group's leasing subsidiaries in 2025.

Ai Search
Maintenance iconOups, se pare că ceva nu a mers bine. Nu te speria, nu e vina ta. Se intamplă să apară mici probleme din când în când. Ce poți face? Incearcă din nou mai târziu.
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Întreb BT este cel mai mare program online de educație financiară al Băncii Transilvania, cu peste 2.000 de întrebări și răspunsuri din banking.
Întrebări frecvente
Powered by Azure OpenAI GPT-5
AI Search oferă răspunsuri generate automat, folosind tehnologia GPT-5 și un mecanism avansat de orchestrare prin agenți. Răspunsurile pot avea conținut inexact sau potențial ofensator, care nu reprezintă punctul de vedere al Băncii Transilvania. Ești singurul responsabil pentru utilizarea conținutului generat de acest serviciu. Citește .
Termeni și condiții

Disclaimer

AI Search este un proiect pilot - în varianta beta - care folosește tehnologia GPT-5 pentru a simplifica procesul de căutare și înțelegere a produselor bancare.

AI Search este antrenat să răspundă unor întrebări care au legătură exclusiv cu produsele bancare oferite de BT, însă în anumite situații și în funcție de întrebările adresate, este posibil să răspundă și la întrebări generale. Raspunsurile oferite sunt generate automat si trebuie sa fie utilizate doar in scop informativ. Serviciul poate oferi uneori conținut inexact sau potențial ofensator, care nu reprezintă punctul de vedere al Bancii Transilvania. Sunteți singurul responsabil pentru utilizarea conținutului generat de acest serviciu în orice mod. Nu vă bazați pe acest serviciu pentru sfaturi financiare, juridice sau alte sfaturi profesionale si nu introduceți în acesta date cu caracter personal sau alte informații confidențiale.

Utilizarea AI Search presupune acceptarea Termenilor și condițiilor.

Accesul și utilizarea serviciului implică acceptarea fără rezerve a acestor termeni și condiții. Dacă nu sunteți de acord cu acestea, vă rugăm să nu utilizați acest serviciu. Prin acceptarea termenilor și condițiilor pentru a folosi acest serviciu furnizat algoritmic de un model de inteligență artificială, va asumați întreg riscul în ceea ce privește calitatea, siguranța și performanța acestui serviciu.

Banca Transilvania nu furnizează nicio garanție în legătură cu răspunsurile oferite de acest serviciu.

AI Search furnizează răspunsuri algoritmic și acestea pot conține uneori informații inexacte sau limbaj potențial ofensator. Aceste informații nu exprimă poziția Băncii Transilvania și nu pot angaja responsabilitatea Băncii pentru conținutul oferit.

AI Search nu oferă răspunsuri la întrebări personalizate, astfel încât prin utilizarea acestuia va obligați să nu furnizați și să nu introduceți în mesajele/întrebările transmise niciun fel de date cu caracter personal sau alte informații confidențiale. În cazul nerespectării acestei obligații, prin inserarea unor date personale/informații confidențiale în cadrul AI Search, va exprimați consimțământul pentru prelucrarea acestora în vederea oferirii serviciului (răspunsurilor la întrebările pe care le adresați), precum și pentru îmbunătățirea modelului algoritmic al robotului de către dezvoltatorul acestuia.

Orice informație furnizată de către utilizatori în timpul interacțiunii cu AI Search va fi tratată în mod confidențial, fiind dezvăluită doar unor destinatari care au dreptul și nevoia de a o cunoaște.

Conținutul oferit de AI Search are doar scop informativ.

Utilizatorii sunt responsabili pentru întrebările și mesajele adresate în cadrul utilizării AI Search. Orice abuz sau limbaj neadecvat poate duce la întreruperea interacțiunii.

AI Search nu oferă sfaturi financiare, juridice sau profesionale și nu înlocuiește consultarea unor experți umani sau profesioniști specializați în domeniul respectiv. Utilizatorii nu trebuie să se bazeze pe informațiile furnizate de către AI Search pentru luarea deciziilor.

Banca își rezervă dreptul de a întrerupe serviciul AI Search în orice moment, fără o notificare prealabilă.

Termenii și condițiile pot fi revizuite/ actualizate în orice moment.

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