The net profit of Banca Transilvania Group reached RON 1.97 billion at the end of June 2025, of which the net profit of the bank amounts to RON 1.78 billion, influenced by the acquisition and integration costs of OTP Bank Romania and of the other OTP companies (mainly OTP Leasing and OTP Asset Management), as well as BRD Pensii (3rd Pillar) and BCR Chișinău. BT Group posted a quarterly profit (in Q2 2025) amounting to RON 1.09 billion, +25% compared to Q1 2025, an increase resulting from both higher operating volumes and from synergies generated by the latest acquisitions.
The assets of Banca Transilvania Financial Group increased to RON 208.2 billion (+0.5% compared to December 31, 2024 and +17% compared to June 30, 2024), while net loans and leasing receivables reached RON 100.7 billion (+4.5% compared to December 31, 2024 and +27.9% compared to June 30, 2024).
The gross loan-to-deposit ratio at bank level reached 64.2%, up 7pp vs. December 2024, thus proving a more intensive use of the available resources, a readiness to lend, and an increased confidence in the ability to manage credit risk. At consolidated level, the gross loan-to-deposit ratio increased by 4 pp, exceeding the 65% threshold.
With regard to BT’s non-performing loans ratio, as defined by the EBA, the ratio stood at 2.65% as of June 30, 2025. Net expenses with impairment adjustments, expected losses on financial assets and provisions for other risks and credit commitments, at standalone level, increased to RON 409.7 million, generating a cost of risk of 84 bps (remaining below 100 bps). The bank’s cost-to-income ratio reached 45.26%, an indicator that takes into account the annualized impact of the contribution to the Bank Deposit Guarantee Fund, the Resolution Fund, and the turnover tax. The bank’s net interest income is 19.4% higher compared to H1 2024, while the quarterly evolution shows an increase of 8.1% during Q2 2025. Net fee and commission income is 12% higher compared to H1 2024 and 10.4% higher than in the previous quarter of 2025, driven by the increase of BT’s activity. Net trading income reached RON 451 million on an individual basis, +21.3% compared to H1 2024.
“Our priorities in the first half of the year were related to the integration and merger of OTP Bank Romania, the increase of post-merger volumes and the organic growth of BT, in a market environment not as dynamic as in previous years and a challenging macroeconomic landscape. However, we have proven that our growth engines are working optimally even under these market conditions. We expect that, with the implementation of reforms and fiscal consolidation packages, the economy will improve its structural issues and gradually resume growth, with a positive impact on the population and companies, both of which are directly reflected in our business. Banca Transilvania remains the main lender of the economy, entrepreneurs, companies, population, and diaspora,” declares Ömer Tetik, CEO of BT.
