“2025 was a year of growth for Banca Transilvania Group, with financial results above the market average and the strongest fourth quarter in recent years, strengthening our leadership position. We completed strategic acquisitions and mergers in Romania and the Republic of Moldova. We distributed two rounds of dividends. I would like to thank investors, shareholders and customers for their trust, and the BT Group team for their contribution to these results. We began 2026 with a robust business model, financial discipline and a focus on growth opportunities. We remain committed to supporting the Romanian economy even during periods of volatility, such as the one we are currently experiencing,” stated Horia Ciorcilă, Chairman of Banca Transilvania Board of Directors.
BT Group’s profit amounted to RON 1.39 billion in the fourth quarter of 2025, a +7.4% increase from the third quarter of 2025 and the strongest quarter of the year.
Total assets reached RON 224.4 billion as of December 31, 2025, a growth of +8.4% compared to December 31, 2024. Net loans and leasing receivables reached RON 106.7 billion, a +10.7% increase compared with December 31, 2024, supported by the strong demand for lending coming from corporates and retail clients.
The bank’s net profit reached RON 4.10 billion, +16% compared to 2024, thus confirming a solid evolution of the commercial activity and operational efficiency. The gross loan-to-deposit ratio reached 64.7%, up 3.9 percentage points from previous year.
BT’s acquisitions and mergers in 2025 strengthened Banca Transilvania Group’s position in the banking, private pensions, and microfinance sectors, in Romania and the Republic of Moldova.
BT Group carried out two simultaneous mergers, in Romania and the Republic of Moldova: Banca Transilvania – OTP Bank Romania and Victoriabank – BCR Chișinău. Two strategic acquisitions were also completed: BRD Pensii, Pillar 2 and Pillar 3 private pensions player, and Microinvest, the market leader in microfinance in the Republic of Moldova.
Banca Transilvania reached nearly 5 million active customers (retail and corporate) at the end of last year. In 2025, BT attracted over 470,000 new retail customers, to which it added over 130,000 customers which were migrated once the integration of OTP Bank Romania was finished.
ROE reached 25.23% in December 2025. BT’s Capital Adequacy Ratio was 22.7%, interim net profit included for the first half of the year in equity, positioning the bank in a solid capital position to be able to sustain further growth.
(English version by Catalina Apostoiu)