Banca Transilvania (TLV) investor relations material

Strategic ambitions and growth targets

• BT100 targets €100bn in assets by end-2030, from €44bn in 2025, implying 15% CAGR; growth is centered on organic expansion and selective M&A.

• Customer target is 7.5m+; Romania remains the core market, with diaspora services supporting growth and no foreign bank acquisition process underway.

• Strategic priorities include customer-led growth, operating leverage, disciplined risk management and maintaining market leadership across customer segments.

• Subsidiaries’ share of group assets rose from ~6% in 2020 to 11%; 2030 targets are ~21% of assets and nearly 37% of profitability.

• More than 25 acquisitions in Romania and Moldova have been integrated; selective M&A remains focused particularly on leasing, asset management and pensions.

Financial performance and shareholder returns

• Assets grew 4.7x from 2015 to 2025, from RON 48bn to RON 225bn; earnings grew 3.5x over the past decade, with 15% profit CAGR.

• Historical averages include 21.4% ROE, 360bps NIM and cost of risk below 100bps; CAR was 20.7%.

• Targets include ROE above 20%, NIM above 300bps and cost/income in the low 40s by 2030, improving from 46.7% in 2025 through efficiency, automation and AI.

• Dividend policy targets a roughly 50/50 balance between cash and share distributions, subject to markets and regulation; no special dividend is planned in calendar 2026.

• Total shareholder return was 361% from 2020-2026, with a 25.7% CAGR; recent payout ratios ranged from 35.6% to 67.1%.

Retail and digital

• Retail strategy targets >6m active customers, a doubled retail loan book, 10pp higher non-risk income share and 50% higher revenue per client over five years.

• Current base includes 4.5m active retail customers, 1.6m retail loans and 1.2m savers; 700,000 customers use investment or pension products, up 60% YoY.

• BT Pay had >5m active users on 1 September, with >450,000 additions since year-start; it supports cross-sell, onboarding and coordinated customer journeys.

• RIISE targets segment-specific propositions, seamless journeys, coordinated channels, AI-enabled customer value management and stronger partnerships.

• Digital services reach >200,000 diaspora customers, with a 500,000 ambition; passport-based onboarding and remote advisory are available.