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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Banca Transilvania (TLV) investor relations material
Banca Transilvania Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary27 Aug, 2025
Executive summary
Net profit for H1 2025 was RON 1,970 million (group), down year-over-year, with Q2 2025 net profit at RON 1,093 million, and individual net profit at RON 1,776.4 million.
Total assets increased to RON 208.2 billion as of June 30, 2025, with strong loan and deposit growth.
Integration of OTP Bank Romania S.A. and BT Building S.R.L. was completed, improving operational efficiency and market position.
Digital transformation advanced, with new platforms and millions of active users.
The Group remains a market leader in Romania, with a 22% market share post-OTP integration.
Financial highlights
Net interest income grew 25.3% (group) and 19.4% (individual), with net fee and commission income up 14% (group) and 12% (individual).
Gross loans grew 27.8% year-over-year (individual), deposits up 14%, and assets up 15.7% (individual).
Cost-to-income ratio improved to 45% (individual) and 47.9% (group), below sector average.
NPL ratio increased to 2.65% (individual), remaining below the market average of 2.8%.
Return on equity was 25% (individual), 23.47% (group), and capital adequacy ratio above 20%.
Outlook and guidance
Management is confident in meeting full-year profit targets despite higher taxes and provisioning.
2025 guidance: net loans +8%, deposits +6%, NII and NFCI +23%, ROE 26%, CAR 22%, cost-to-income ratio 45%.
Macroeconomic scenarios anticipate moderate GDP growth, persistent inflation, and stable unemployment.
No immediate plans for USD bond issuance; future issuances will be cost-driven.
Third quarter is shaping up positively, with encouraging business growth.
Mitigate H2 turnover tax impact
OTP cross-sell strategy for fee income growth
Sustain Q2 asset quality trend?
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Next Banca Transilvania earnings date
Q3 202511 Nov, 2025
Next Banca Transilvania earnings date
Q3 202511 Nov, 2025
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Frequently asked questions
Banca Transilvania S.A. is a Romanian financial institution providing a range of banking services. Banca Transilvania operates as a universal bank, catering to retail, private, and business banking needs. Its product portfolio spans across accounts and deposits solutions such as deposit, current, and business accounts; various card offerings including credit, debit, and business cards; and lending solutions covering consumer, housing, real estate, car, education, mortgage, and refinancing loans. Additionally, it offers investment funds, bonds, insurance policies, payment and overdraft services, cash management, asset management, mobile banking, and Internet banking services. The bank serves customers through a widespread network of branches, agencies, healthcare divisions, and work units across Romania and the Republic of Moldova. The company is headquartered in Cluj-Napoca, Romania, and its shares are listed on the Bucharest Stock Exchange.
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