Banca Transilvania continues to strengthen its leading position, with sustained asset growth and solid financial performance in the first nine months of the year.

Banca Transilvania posted strong business growth, supported by significant investments in technology, our network, our team and the bank’s operational foundation, while also crossing the EUR 20 billion mark in net loans. Together with the development of BT’s infrastructure, these steps position the bank for its next stages of growth. The economic environment remains challenging, but we are confident that, over the medium term, Romania will return to economic growth above the European average.

Ömer Tetik
CEO, BT

Financial results of the Banca Transilvania Financial Group

• Total assets reached RON 213.2 billion as at September 30, 2025, +3% versus December 31, 2024 and +6.7% versus September 30, 2024.
• Net loans and lease receivables stood at RON 104.2 billion, +8.1% versus December 31, 2024 and +10.7% versus September 30, 2024.
• Consolidated net profit was RON 3.27 billion in the first nine months of the year.
• The BT Group’s profit was RON 1.3 billion in the third quarter of 2025, +18.6% versus the second quarter of 2025.

Banca Transilvania’s financial performance

• Banca Transilvania’s net profit in the third quarter of 2025 was RON 1.15 billion, +12.3% higher than in the second quarter of this year and +27.5% compared to the third quarter of 2024.
• Banca Transilvania’s net profit at the end of September 2025 was RON 2.92 billion, +7.9% higher than in the same period of 2024, a trend mainly impacted by the increase in the banking tax.
• The bank’s gross loans-to-deposits ratio exceeded 65%, +8 pp (percentage points) above the December 2024 level, reflecting a more intensive use of funding, strong lending appetite, as well as an effective  credit risk management strategy. On a consolidated basis, the gross loans-to-deposits ratio improved by 5 pp, reaching 65.9%.
• BT’s non-performing loan ratio, as defined by the EBA, is 2.56% as at September 30, 2025.
• Net impairment charges, expected credit losses on assets and provisions for other risks and lending commitments on a standalone basis increased to RON 549.1 million, resulting in a cost of risk that remains below 1%  (0.72%).
• The bank’s cost-to-income ratio improved, reaching 44.26%, with the annualized impact of contributions to the Bank Deposit Guarantee Fund, the Resolution Fund and the turnover tax taken into account.
• Banca Transilvania’s total capital ratio stands at 20.28%, with net profit for the first half included in own funds.

Organic growth 

• In the first nine months of the year, Banca Transilvania extended RON 16 billion in financing to companies and RON 10.5 billion to individuals. Of retail loans, 46% are mortgage/home loans and 54% are unsecured consumer loans or other financing for personal needs.
• BT customers’ deposits reached RON 161.5 billion, +7.1% versus December 31, 2024 and +13.1% versus September 2024.
• The bank’s net interest income is up 20.2% versus the first three quarters of 2024, with a quarter-on-quarter increase of +4.1% in Q3 2025.
• Net fee and commission income is 12.1% higher than in the same period last year, supported by increased activity at BT, and +2.8% versus the previous quarter.
• Net trading income reached RON 682.5 million on a standalone basis, +45.4% compared to the first nine months of 2024.
• The number of transactions performed by retail and corporate clients across all channels increased significantly: +18.8% in the first nine months of 2025 versus the same period of 2024.