Dear investors and shareholders,
Thank you for the trust you place in us and for your continued support of Banca Transilvania’s development strategy. Looking back on 2025, we are pleased to present the key achievements and developments that defined BT’s journey during an intense year, marked by economic volatility, but also by opportunities that we were able to capitalize on.
2025 was a year in which Banca Transilvania continued to outperform the market average, consolidating its leading position. Consolidated net profit reached RON 4.66 billion, and assets grew to RON 224.4 billion, reflecting our ability to support large volumes of business while maintaining a balanced risk profile.
2025 was also a year of strategic execution. We completed two mergers – BT–OTP Bank Romania and Victoriabank–BCR Chișinău – and finalized two acquisitions with long term impact: BRD Pensii and Microinvest. These transactions strengthen Banca Transilvania Group’s position in banking, private pensions, and microfinance, expand our customer base, and diversify revenue sources – both in Romania and in the Republic of Moldova. The integration of these entities creates a solid foundation for operational and commercial synergies in the coming years.
For you, our investors and shareholders, 2025 was a year in which we continued to deliver value. We distributed dividends in two stages, totaling nearly RON 2.3 billion, reflecting our commitment to rewarding the trust placed in us while maintaining a balanced capital policy. At the same time, we maintained a solid capital position, with a capital adequacy ratio of 22.71%, which allows us to support future growth.
