Environmental, social, governance

We have taken on an active role in the transition to a sustainable economy, integrating environmental responsibility into the way we finance and create long-term value. Considering that most of a bank's emissions come from its loan portfolio, during the year 2025 we continued to reduce our environmental impact.

Thus, we accelerated the financing of green projects, concretely contributing to the transformation of the economy. We have rigorously monitored the carbon footprint throughout the entire value chain and optimized the flows of our own activity. We have constantly aligned our processes to Taxonomy of the European Union and I have grown the portfolio of sustainable assets, and over time I have become the financial supporter of the green transition in Romania.

We want to offer our clients the necessary support to make the best financial decisions. In this regard, we provide them with a series of tools and materials that offer verified information carefully curated by the BT team. Thus, the following platforms with resources were born:

• Question BT, a user-friendly financial education platform through which people can find answers to the most searched banking topics. Augmented by artificial intelligence, the search within the platform has been simplified, interactions becoming accessible to the general public.
  
  
• FIT – Finance Made Understandable for Everyone, a financial education program through which we want to build a solid foundation of financial knowledge for Generations Alpha, Z and Y. This program also includes a series of videos - Of All The Money - through which we explain the most frequent curiosities about money and banking so as to improve the level of financial literacy.
  
  
• Online Safety, a website developed with the purpose of forming a database with information intended for the financial protection of clients, entrepreneurs, and companies against digital frauds.
  
  
• The MacRO Zone, a section on the BT Blog that offers clear and accessible explanations to everyone who wants to understand macroeconomic concepts and how various indicators influence a country's economy.

We have committed to promoting a workplace that emphasizes diversity and inclusion. Our objective is to create an organizational culture where individuals from all backgrounds, with different identities and experiences, feel respected, valued, and encouraged to contribute their unique perspectives.

This commitment is integrated into the way we do things daily and is reflected in initiatives tailored to our goals and challenges. By respecting the rights of each person and promoting equal opportunities, we aim to increase workforce diversity and improve performance across the organization.

Safety of money, data, and information are among the most important chapters in banking. Access to banking applications - BT Pay, NEO, BT Go or BT Visual Help - it is carried out in a secure manner, with complex safety protocols.

To secure online and POS payments, we comply with the Strong Customer Authentication standards, part of the European Payment Services Directive (PSD2).

Cards added in the BT Pay app and in other wallets (Apple Pay, Google Pay, Fitbit Pay, Garmin Pay) are tokenized. Also, the cards issued by us comply with the international security standards of Visa and Mastercard payment systems.

We have committed to protecting the environment and contributing to the development of a sustainable and inclusive society, making banking services more accessible.

Our digital ecosystem includes the BT Pay application for individuals, the BT Go application for entrepreneurs, as well as a wide range of self-service solutions, such as BT Visual Help and the latest generation ATMs.

As part of our commitment to innovation and environmental responsibility, we promote and develop sustainable payment solutions encouraging digital transactions that reduce paper consumption and contribute to diminishing the carbon footprint within our operations.

We are the bank of enterprising people, which invests in the communities it is part of, understanding that success is directly proportional to the prosperity of those around. We want our impact to go beyond the sphere of financial services, generating real and sustainable value in the communities we serve.

Our involvement in social initiatives reflects the ability to respond to the specific needs of local communities. We support key areas such as education or health, we support non-profit organizations to take care of social capital, we encourage art and culture, and we also support the protection of the environment and the conservation, restoration, and capitalization 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 commit to creating a sustainable business and a positive impact on society.

This mentality has helped us accumulate more than two decades of experience in Bucharest Stock Exchange.

In addition, by making this principle a fundamental rule, we communicate constantly and efficiently with all stakeholders, according to the financial calendar, we clearly convey financial results, we organize videoconferences, we meet with investors at various international conferences or publish periodically reports informative regarding the financial results.

Our commitment to sustainable development has been clearly demonstrated in recent years. We continue to support the steps taken at the European Union level for the transition to a sustainable economy and we assume our role, as a member of the financial sector in Romania, to allocate capital for projects that positively contribute to this transition and that create long-term value in our country.

Together with our global partners, including the European Bank for Reconstruction and Development (EBRD), European Investment Bank (EIB), European Investment Fund (FEI), as well as International Finance Corporation (IFC), we work closely to develop products and services that support the transition of Romania's economy. Following the Principles for Responsible Banking and as a member of the United Nations Environment Programme Finance Initiative (UNEP-FI), we have built an exhaustive vision of the social and environmental impact of our operations.

At Banca Transilvania, #humanbanking means involvement and determination in everything we do. Our organizational culture based on courage, respect, and responsibility motivates us to perform every day, because we know that every decision we make has a direct impact on our clients. That's how we became number one in banking. And we don't stop here.

To continue offering the best products and services, we are in a constant process of personal and professional development.

We are very receptive to innovations in the tech area, precisely for this reason we try to build the best possible digital experience for the clients of the BT Financial Group. The focus is on developing intuitive systems, available 24/7 and capable of adapting to the ever-changing needs of our clients.

To ensure the efficiency and security of digital services, we prioritize investments in cloud and local infrastructure and the simplification of the main system architecture. We pay special attention to automation, self-service solutions, and integrations of the omnichannel which improve the overall customer experience.

We are early adopters of artificial intelligence in banking through the integration of the AI Search function on the platform Question BT, respectively through integration Microsoft 365 Copilot and GitHub Copilot in the activity of the employees.

In February 2022, I joined the Principles for Responsible Banking (PRB) of the United Nations Environment Programme Finance Initiative (UNEP-FI). Thus, we ensured that our business strategy and practices are aligned with the Sustainable Development Goals and the objectives of the Paris Agreement.

Periodically, we analyze the impact of our portfolio on the economy, the environment, and society, highlighting both the positive contributions and those with potential negative effects on sustainable development, identifying which of our activities generate a significant impact. The results obtained from these assessments, as well as our performance in sustainability, are presented in 2025 Sustainability Declaration, reported in accordance with CSRD requirements and ESRS standards, this being the second consecutive year of reporting in this framework.

BT financial ecosystem is complemented by BT Small & Hive, developed to support the entrepreneurial community.

Through BT Mic we offer support for the smallest companies on the market, financing entrepreneurs in the start-up phase (annual turnover of up to 1 million lei). The loan can be used for various purposes, such as maintaining and expanding daily operations, purchasing goods, paying suppliers, investing in existing or new jobs, or acquiring equipment.

Stup is a physical and virtual space that brings together most of the products and services a entrepreneur needs. It is the perfect place where confirmed or aspiring entrepreneurs can find events organized by us and our partners. Stup is an open space for all entrepreneurs, regardless of the bank they are clients of, without a membership fee, where they can benefit from free consulting and numerous discounts on partners' products.

We consider green transportation an essential pillar in building a low-carbon economy and a relevant opportunity for investments. Precisely for this reason, we support the transition towards sustainable mobility solutions, as part of our green financing strategy.

At the Group level, Banca Transilvania Financial Group, the financing of sustainable mobility solutions is mainly managed through leasing subsidiaries that facilitate most of these transactions. The current portfolio includes financing for electric and hybrid vehicles for companies, supporting the decarbonization of commercial fleets.