• BT financed companies with RON 19.8 billion and retail clients with RON 8.2 billion during 2022.
• The bank granted more than 260,000 loans last year and has more than 1.14 million loans in its portfolio.
• BT was the largest partner in the Government programs launched in 2022, with a total financed amount exceeding RON 3.3 billion.
• The number of active customers continued to grow: more than 3.9 million customers work with BT, of which 3.5 million are retail clients and 400,000 are companies.
• During 2022, the corporate income tax paid by BT to the State amounts to more than 1% of all corporate income tax collected by the Government from companies in Romania.
• Total taxes and duties paid by Banca Transilvania in 2022 exceeded RON 1.1 billion.

2022 has been a very complicated year, marked by the war in Ukraine and multiple economic uncertainties, caused by inflation and by the energy crisis. Despite this difficult context, Romania's economy has weathered this period well. Regarding Banca Transilvania, we continued to be the largest lender in Romania and the most important partner in the Government programs launched in 2022. We also continued to invest in technology, digitalization and infrastructure and strengthened the Bank’s and the Group’s position on the local market. The financial results confirm our expectations and are the foundation for our future ambitions. We closely monitor and remain mindful of the geopolitical and macroeconomic developments, but, at the same time, keep ourselves open to potential opportunities, states Horia Ciorcilă, Chairman of the Board of Directors, Banca Transilvania.

Activele Grupului Financiar BT au ajuns la finalul anului trecut la 140,5 miliarde lei. Creditele au crescut până la 68 miliarde lei, iar depozitele au ajuns la 119,7 miliarde lei, din care 79,9 miliarde lei sunt ale clienţilor persoane fizice, iar 39,85 miliarde lei, ale persoanelor juridice. Profitul net consolidat al Grupului Financiar BT este de 2.488,4 milioane lei, din care cel al băncii, de 2.178 milioane lei. Profitul operațional al băncii a crescut la 2.698,7 milioane lei. Eficienţa operaţională a băncii, reflectat de raportul cost/venit, s-a păstrat la nivelul confortabil de 49,7% datorită bunei gestionări a costurilor şi eficientizării prin digitalizarea proceselor.

The bank's management will propose to the Board of Directors an allocation of the profit for 2022 for the bank’s capitalization amounting to over RON 900 million, with the remaining part being allocated to reserves from retained earnings. The profit appropriation proposal is in line with the prudential recommendations of the National Macroprudential Supervisory Committee and the National Bank of Romania, given the volatile international context and the domestic challenges. Thus, the profit for 2022 will be used to sustain the lending and development of the Romanian economy in the future.

BT has financed the Romanians and the companies

• More than 12,000 Romanians have bought a house with BT’s support, the volumes granted during 2022 exceeding RON 3.6 billion. The total residential housing portfolio amounted to RON 17 billion.
• More than 100,000 consumer loans amounting to RON 3.8 billion were granted last year. The total outstanding balance of such loans reached RON 9.6 billion.
• The bank granted more than 16,000 new loans, worth RON 4.5 billion, to about 16,300 SME&Micro clients during 2022.
• The SME loan portfolio increased to RON 22.5 billion.
• The number of new loans granted by the Bank increased by almost 10% in 2022 compared to 2021, with the largest increase in the LargeCorporate segment, where the number of loans increased by 48%.
• • The loan portfolio increased by over 21%, of which a significant increase of over 30% was related to the corporate loans portfolio. More than half of the portfolio increase was generated by working capital loans. Regarding the retail loan portfolio, the increase, in comparison to the previous year, is +8%.

Alte informaţii financiare

The non-performing loans (EBA) ratio is 2.44% as at 31 December 2022 and the total provision coverage of non-performing loans is 195%. BT's Capital Adequacy Ratio, with profit included, for 2022, stands at 21.62%, and excluding profit, at 19.26%.

Banca Transilvania Financial Group, steps towards consolidation

• Leadership în asset management: BT Asset Management a devenit cel mai mare administrator de fonduri mutuale din România.
• Primii pași pentru construirea primei bănci 100% digitale din România în jurul Idea::Bank, parte a Grupului BT, achiziționată în 2021.
• Pas strategic pe piața auto: pe parcursul anului trecut a avut loc integrarea Țiriac Leasing și Idea::Leasing în Grupul BT. BT Leasing și Țiriac Leasing au devenit o singură companie, BT Leasing, în ianuarie 2023.

  
  

Last year saw the start of the BT’s Board of Directors 2022 - 2026 mandate. Under this BoD’s leadership, Banca Transilvania Financial Group aims to become the market leader in all business segments, pursue organic growth, make new acquisitions, further develop its digital strategy and increase the synergy between its subsidiaries.