Financial results as of 31/03/2026

Highlights BT in January – March 2026:

• Growth across all business lines, supported by commercial activity and demand for financing.
  
  
• Operational performance and increasing efficiency, with higher revenues and a risk cost maintained at a low level.
  
  
• The active customer base is approaching 5 million.
  
  
• BT Group Assets reached 227 billion lei.
  
  

Transilvania Bank (BT) the year 2026 began with positive financial results, growth in all business lines and consistent commercial activity, confirming its essential role in supporting the economy. Increasing profitability, operational efficiency and expanding the customer base consolidate BT's position and that of the Banca Transilvania Financial Group (BT Group) as a leader in Romania and in South-Eastern Europe.

Ömer Tetik: „IT is growing to the size of a regional champion”

We started the year strong, both commercially – with an increase in the number of clients, financings, and transactions – and by promoting the bank and Romania even on international financial markets, from where we attracted a record amount for our country. All these help us continue to support the national economy and the population. The bank's increased activity is reflected both in economies of scale and better costs for clients, as well as in the fact that BT is growing to the size of a regional champion, which has the strength to support the country's economy and infrastructure. We look to the future with caution, considering internal and external uncertainties, but we still have an appetite for financing the economy and developing BT's business.

Ömer Tetik
General Director
Banca Transilvania 

Financial results of the BT Financial Group

• Net profit is 1.14 billion lei, 30.1% above the level from the same period last year (Q1 2026/Q1 2025). Banca Transilvania contributes 83% of the total profit of the BT Group.
  
  
• Assets reached 227 billion lei, a size that allows the BT Group to support major projects in the economy.
  
  
• Gross loans and receivables from the Group’s financial leasing contracts reached 115.9 billion lei, amid increasing demand for financing from companies and the population.
  
  
• The gross loans/deposits ratio is 65.9%, up by 1.2 percentage points compared to the end of last year.
  
  

Performance of Transilvania Bank

• BT achieved in the first quarter a net profit of 950.2 million lei, 25.6% higher compared to Q1 2025. The profit growth is supported by the dynamics of operating revenues and maintaining the risk cost at a low level.
  
  
• Bank assets reached 212.9 billion lei, an increase of 1.2% compared to December 31, 2025. The evolution reflects the bank's ability to support the economy even in difficult times.
  
  

Positive dynamics of commercial activity:

• Customer deposits recorded a positive evolution and reached 169.5 billion lei on March 31, 2026, an increase of 0.4% compared to the end of 2025.
  
  
• 3.5 billion lei represents the value of loans granted to the population in Q1 2026 to support their access to loans for housing and other personal projects.
  
  
• Approximately 64.2 billion lei is the balance of gross loans granted to companies, an increase of 2.5% compared to December 31, 2025.
  
  

Financing, capital & risk:

• The gross loans/deposits ratio is 63.5%, up by approximately 1 percentage point compared to the end of last year.
  
  
• The rate of non-performing loans (according to EBA) is 2.55%, a level that reflects the quality of the portfolio and the bank's prudent risk policies.
  
  
• The solvency indicator is 20.65%, confirming a solid capital position and BT's ability to support the growth of lending activity and strategic investments.
  
  
• The cost of risk remains at a low level, of 0.71%, supported by the quality of the portfolio and prudent risk policies.
  
  

The increase in Transilvania Bank's operational activity is reflected in the main income indicators and confirms the diversification of income sources and the efficiency of the business model: net interest income is +8.7% compared to Q1 2025, and net fee and commission income is +12.9% compared to Q1 2025.

The bank's operational efficiency indicator reached 48.12%, including the impact of the turnover tax. The return on equity (ROE) is 19.54% in Q1 2026.

The bank is approaching the threshold of 5 million active clients. In the first three months of the year, BT continued to attract new clients at a sustained pace, nearly 140,000 individuals and companies becoming clients of the bank.

The results from the first quarter indicate a positive start to the year for Banca Transilvania, despite the volatile economic context. BT will continue to simplify the way customers manage their money and to launch solutions for saving, lending, and investing.