The Banca Transilvania Financial Group took part for the first time this year in the EU-wide stress test coordinated by the European Banking Authority (EBA), in cooperation with the National Bank of Romania (NBR), the European Central Bank (ECB) and the European Systemic Risk Board (ESRB). The results of the 2025 EU-wide stress test were published today, August 1, 2025, by the European Banking Authority, and, on behalf of the BT Group, Banca Transilvania expresses its full agreement with them.

We are pleased that BT’s stress test results confirm the strength of our capital position and business model, the quality of our assets and sound risk management. Banca Transilvania and the BT Group have the capacity to support the Romanian economy and to absorb economic and financial shocks, including under severe conditions. We appreciate the European Banking Authority’s efforts to ensure transparency and we reaffirm our commitment to meeting prudential and supervisory standards in order to contribute to a European banking system that is high-performing, resilient and sustainable.

Ömer Tetik
Chief Executive Officer
Banca Transilvania

The 2025 EU-wide stress test does not include a pass/fail threshold and is designed to be used as an important source of information for the Supervisory Review and Evaluation Process (SREP). The results helped the authorities assess BT’s capacity to meet applicable prudential requirements under stress scenarios.

The adverse scenario was set by the ECB/ESRB and covers a three-year horizon (2025-2027). The stress test was run under a static balance sheet assumption as of December 2024 and therefore does not take into account future business strategies and management actions. For this reason, it does not represent a forecast of Banca Transilvania’s profits.

For the 2025 stress test, the adverse macroeconomic scenario implies a cumulative 4.1% decline in Romania’s GDP over 2025-2027, against a backdrop of rising geopolitical tensions. The scenario also included a deterioration in consumer confidence following supply chain disruptions and higher inflation, coupled with a rise in the unemployment rate. Significant cumulative shocks were also applied to the commercial real estate (CRE) market.

Under the adverse scenario, the BT Group’s fully loaded Common Equity Tier 1 (CET1) ratio stands at 12.24% at end-2027, compared with 13.63% at end-2024. The fully loaded approach reflects the new European capital requirements rules (CRR3), effective from January 1, 2025. The stress-induced change in the fully loaded CET1 ratio is -139 basis points, confirming the BT Group’s solidity and resilience under adverse economic scenarios.