Preliminary financial results as of 31/12/2025

Highlights 2025

• Growth across all business lines
• A very dynamic year for Banca Transilvania Group in terms of M&As;
• BT is the #1 bank in terms of customer satisfaction, with the highest NPS;
• BT's contribution to the public budget increased by 65% compared with 2024.
  
  

In 2025, Banca Transilvania recorded above-market growth in lending, operations, and transactions, and the profit growth reflects the dynamics of its commercial activity and operational efficiency.

BT's acquisitions and mergers in 2025 strengthened Banca Transilvania Group's position in the banking, private pensions, and microfinance sectors, in Romania and the Republic of Moldova.

Shareholders benefited from two rounds of dividends: RON 1.59 billion, distributed from the 2024 profit (in June), and RON 700 million, from the profit reserves accumulated in previous years (in December).

Banca Transilvania ranks first in terms of customer satisfaction among large banks in Romania, with 12 points above the market average (NPS – Net Promoter Score). Customers appreciate the quality of products and services, the professionalism of the team, and the infrastructure that makes banking easier.

BT continued to be the main lender of the Romanian economy, mobilizing the highest level of resources in the banking system to provide financing to companies, to population, and for strategic projects in Romania. The bank's total contribution to the public budget, including taxes, social contributions, turnover tax, and the contribution to the Bank Deposit Guarantee Fund, amounted to RON 2.9 billion, +65% compared to 2024.

2025 was a year of growth for Banca Transilvania Group, with financial results above the market average and the strongest fourth quarter in recent years, strengthening our leadership position. We completed strategic acquisitions and mergers in Romania and the Republic of Moldova. We distributed two rounds of dividends. I would like to thank investors, shareholders and customers for their trust, and the BT Group team for their contribution to these results. We began 2026 with a robust business model, financial discipline and a focus on growth opportunities. We remain committed to supporting the Romanian economy even during periods of volatility, such as the one we are currently experiencing.

Horia Ciorcilă
Chairman of the Board of Directors
Banca Transilvania

Financial results of Banca Transilvania Financial Group

• The consolidated net profit for 2025, at BT Group level, amounted to RON 4.66 billion in 2025, confirming the solid operational performance and the business model efficency.
  
  
• BT Group's profit amounted to RON 1.39 billion in the fourth quarter of 2025, a +7.4% increase from the third quarter of 2025 and the strongest quarter of the year.
  
  
• Total assets reached RON 224.4 billion as of December 31, 2025, a growth of +8.4% compared to December 31, 2024. This demonstrates the BT Group's market position and business volume growth.
  
  
• Net loans and leasing receivables reached RON 106.7 billion, a +10.7% increase compared with December 31, 2024, supported by the strong demand for lending coming from corporates and retail clients. The gross loan-to-deposit ratio reached 64.7%, up 3.9 percentage points from previous year.
  
  

BT Group carried out two simultaneous mergers, in Romania and the Republic of Moldova: Banca Transilvania – OTP Bank Romania and Victoriabank – BCR Chișinău. Two strategic acquisitions were also completed: BRD Pensii, Pillar 2 and Pillar 3 private pensions player, and Microinvest, the market leader in microfinance in the Republic of Moldova.

Banca Transilvania's financial performance

• The bank's net profit reached RON 4.10 billion, +16% compared to 2024, thus confirming a solid evolution of the commercial activity and operational efficiency.
  
  
• BT's net profit in the fourth quarter of 2025 amounted to RON 1.17 billion, +2.4% versus the third quarter of 2025 and +42.6% compared to the fourth quarter of 2024, marking it the strongest end of the year in recent period.
  
  
• The gross loan-to-deposit ratio rose to 62.6%, 5.4 percentage points above the December 2024 figure, driven by both the acquired portfolios and the organic growth fueled by the high loans’ demand.
  
  
• The non-performing loan ratio (according to EBA) was 2.40% as of December 31, 2025, and the coverage ratio with total provisions for non-performing exposures reached 178.9%, thus reflecting the portfolio’s quality and a prudent positioning.
  
  
• Net expenses with impairment adjustments and expected losses for assets and provisions for other risks and lending commitments increased to RON 622.2 million, generating a cost of risk that remains below 1% (0.59%). These figures confirm the bank's controlled risk profile.
  
  
• The bank's cost-to-income ratio improved by almost 1 percentage point (0.99 percentage points), reaching 44.39% as a result of operational efficiencies implemented throughout 2025. Without the impact of the turnover tax - which adds nearly 5 percentage points to this total value - the cost-to-income ratio (C/I Ratio) would have been 39.4%.
  
  
• ROE reached 25.23% in December 2025. BT's Capital Adequacy Ratio was 22.7%, interim net profit included for the first half of the year in equity, positioning the bank in a solid capital position to be able to sustain further growth.
  
  

Business line performance 

Banca Transilvania reached nearly 5 million active customers (retail and corporate) at the end of last year. In 2025, BT attracted over 470,000 new retail customers, to which it added over 130,000 customers which were migrated once the integration of OTP Bank Romania was finished.

• The bank granted loans amounting to RON 21.1 billion to its corporate clients and RON 12.9 billion to its retail clients.
  
  
• The bank's gross loan balance is up 22.6% YoY, driven mainly by the retail segment, where the loan balance grew by 26.7%.
  
  
• The volume of new loans granted to retail clients is 28.1% higher compared to 2024, an increase supported in particular by a strong demand for housing loans. The balance of housing loans reached RON 24.9 billion, +29.2% compared to December 2024, and represent 23.6% of the total loan portfolio as of December 2025.
  
  
• The volume of corporate loans increased by 19.9%, a development that also includes the impact of OTP Bank Romania's portfolio integration. In 2025, BT continued to be the main underwriter and arranger in syndicated facilities in critical sectors: energy, automotive, telecommunications and industrials.
  
  
• The number of cards reached over 8 million, while the number of transactions increased by 19% compared to 2024. Therefore, the ecosystem continues to accelerate: over 5.7 million unique cards enrolled in the BT Pay and BT Go applications.
  
  

Banca Transilvania Group entered into 2026 well-positioned for further growth. A series of new developments – one approximately every two days – such as: Romania's representation at the CEE Forum in Vienna, new launches, achievement of important milestone figures in various market segments, confirms BT's momentum and accelerated pace.