Environmental, Social, Governance

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.