Banca Transilvania (TLV) Investor Day 2025 summary

Recent performance and financial highlights

• Achieved net profit of 2,922 million RON for 9M'25, with total assets more than doubling since Sep'20.

• ROE at 26.05%, consistently above the sector, driven by digitization and customer experience improvements.

• CAR at 20.28% supports a calibrated risk and liquidity policy; NIM improved to 3.49% due to diversified exposures.

• NPL ratio at 2.56% reflects prudent risk management.

• Outperformed BET and Euro Stoxx Banks 600 Index, maintaining steady growth amid uncertainty.

Market position and business diversification

• Largest bank in SEE by assets and the only fully integrated financial group in Romania.

• Market leader in leasing (~26% share), asset management (21.9% share), and microfinance (52.4% share).

• 1/3 of payments in Romania processed, with ~25% of the population as clients.

• Most traded share on BSE in the past decade, with strong ROE and dividend payout ratios.

• Business model leverages brand leadership, operational efficiency, and a phygital, client-centric approach.

Strategic growth levers and future outlook

• Focus on organic growth complemented by M&A, with six banks integrated in ten years.

• Investments of RON 843 million planned for 2025, with a net customer increase of ~21,100/month (excluding OTP).

• Romania's banking sector assets and assets per capita remain lowest in the region, indicating significant growth potential.

• Leasing and pension fund markets in Romania are underpenetrated compared to EU averages, presenting expansion opportunities.

• Strategic resilience demonstrated through past crises, leveraging agility, scalability, and solidarity.