At an individual level, the bank posted RON2.92 billion net profit in the January-September 2025 period, 7.9% higher than in the same period of last year. The profit evolution was mainly impacted by the increase of the banking tax.
“Banca Transilvania has recorded solid growth in its business, supported by significant investments in technology, network, team, and the bank’s operational foundation, thus surpassing EUR 20 billion in net loans. All these, together with the development of BT’s infrastructure, are preparing the bank for new stages of development. While the economic environment remains challenging, we are confident that Romania will return to above-average European economic growth in the medium term” – declares Ömer Tetik, CEO of BT.
Total assets reached RON213.2 billion, as of September 30, 2025, +3% compared to December 31, 2024 and +6.7% compared to September 30, 2024, while net loans and leasing receivables amounted to RON104.2 billion, +8.1% compared to December 31, 2024, and +10.7% compared to September 30, 2024.
At the individual level, the gross loan-to-deposit ratio surpassed the 65% threshold, up by 8 percentage points from December 2024, reflecting a more intensive use of attracted resources, stronger lending appetite, and an effective credit risk management strategy. At the consolidated level, the ratio rose by 5 percentage points, reaching 65.9%.
During the first nine months of the year, Banca Transilvania financed corporates with RON 16 billion and retail clients with RON 10.5 billion. Of the loans granted to retail clients, 46% were mortgage loans, while 54% consisted of unsecured consumer loans and other financing products for personal needs.
BT customers’ deposits reached RON 161.5 billion, +7.1% compared to December 31, 2024, and 13.1% higher compared to September 2024.
BT’s non-performing loan ratio, as defined by EBA, stands at 2.56% as of September 30, 2025.
The bank’s net interest income is 20.2% higher compared to the first three quarters of 2024, with Q3 2025 showing a quarterly increase of 4.1%.
Net fee and commission income is up 12.1% compared to the same period last year, driven by BT’s increased activity, and 2.8% higher than the previous quarter performance.
The bank has a RON31.6 billion capitalization after its shares have added 28% in 2025.
(English version by Catalina Apostoiu)