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    BT Research

    We believe that informed decisions come from timely insights. BT Research offers quick access to key macroeconomic indicators, market outlook and economic analyses that shape Romania’s financial landscape.

    OUTLOOK

    Conditional Growth. Harder Year.

    Romania enters the next stage of 2026 in a much more demanding position than we expected only a few months ago. The story is no longer only one of slow growth, fiscal consolidation, and gradual readjustments. It is now also a story of external shocks, political uncertainty, currency depreciation, stubborn inflation and renewed pressure on market confidence. The margin for error has narrowed. The economy is still moving forward, but it is doing so against a stronger wind.

    The takeaway is clear: Romania’s growth story is still alive, but it has become conditional. It is conditional on discipline. It is conditional on execution. It is conditional on credibility. And it is conditional on the ability to transform pressure into reform, uncertainty into focus, and investment into lasting productivity.

    Conditional Growth. Harder Year.
    Defense spending
    THE MACRO ZONE
    Defense spending

    For three decades following the fall of the Berlin Wall, Europe lived under a comforting assumption: war and conflict on the Old ...

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    Currency in International Trade
    THE MACRO ZONE
    Currency in International Trade

    When a factory in Romania exports auto parts to Morocco, in what currency does it issue ...

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    Digital Romania
    THE MACRO ZONE
    Digital Romania

    We have 5G phones, we order food online, and we spend hours on social media. By all these measures, Romania seems like a ...

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    Ai Search
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    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
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    AI Search offers automatically generated answers, using Claude-Haiku-4.5 technology and an advanced orchestration mechanism through agents. The answers may contain inaccurate or potentially offensive content, which does not represent the point of view of Banca Transilvania. You are solely responsible for the use of the content generated by this service. Read .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses Claude-Haiku-4.5 technology to simplify the process of searching and understanding banking products.

    AI Search is trained to answer questions exclusively related to banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are generated automatically and should be used for informational purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the view of Banca Transilvania. You are solely responsible for using the content generated by this service in any manner. Do not rely on this service for financial, legal, or other professional advice and do not enter personal data or other confidential information into it.

    The use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies unconditional acceptance of these terms and conditions. If you do not agree with them, please do not use this service. By accepting the terms and conditions to use this service algorithmically provided by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any guarantees regarding the answers given by this service.

    AI Search provides algorithmically generated answers and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Transilvania Bank and cannot engage the Bank's responsibility for the provided content.

    AI Search does not provide answers to personalized questions, so by using it you are obliged not to provide or enter any personal data or other confidential information in the messages/questions sent. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for the processing of such data for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during interaction with AI Search will be treated confidentially, being disclosed only to recipients who have the right and need to know it.

    The content offered by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed within the use of AI Search. Any abuse or inappropriate language may lead to the interruption of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting human experts or specialized professionals in the respective field. Users should not rely on the information provided by AI Search for decision making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

    Terms and conditions may be reviewed/updated at any time.