Fitch affirms Banca Transilvania's ratings

Fitch Ratings has affirmed Banca Transilvania's long-term issuer rating at 'BBB-' and the bank's viability rating at 'bbb-'.

At the same time, Fitch Ratings maintains a negative outlook for the ratings confirmed today, in the context of the sovereign rating.

The agency argues its decision to affirm the ratings with the bank's strong and well-established domestic franchise, healthy capital buffers supported by strong internal capital generation capacity, and stable funding profile. The ratings also highlight the quality of the bank's assets, supported by a sound lending policy.

With a market share of nearly 23% of the sector's assets, BT is the largest bank in Romania, with a business model focused on serving SMEs, entrepreneurs, and retail customers, with whom it has strong relationships. Fitch highlights that the bank's loan portfolio is well diversified, and the limited exposure to volatile industries has supported its solid performance throughout the reviewed period.  

From a financial perspective, the bank recorded high profitability in the first nine months of 2025, as a result of operational efficiency and revenue growth. Capital ratios remain solid, and liquidity is adequate, underpinned by its robust deposit franchise and granular deposit base.