Banca Transilvania’s net profit reached 4.1 billion RON, up 16 percent in 2025, confirming a solid evolution of the commercial activity and operational efficiency.

The gross loan-to-deposit ratio rose to 62.6 percent, 5.4 percentage points above the December 2024 figure, driven by both the acquired portfolios and the organic growth fueled by the high loans’ demand.

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.

The volume of new loans granted to retail clients is 28.1 percent higher compared to 2024, an increase supported in particular by a strong demand for housing loans. The balance of housing loans reached RON 24.9 billion, +29.2 percent compared to December 2024, and represent 23.6 percent of the total loan portfolio as of December 2025.

The number of cards reached over 8 million, while the number of transactions increased by 19 percent compared to 2024.

BT continued to be the main lender of the Romanian economy, mobilizing the highest level of resources in the banking system to provide financing to companies, to population, and for strategic projects in Romania. The bank’s total contribution to the public budget, including taxes, social contributions, turnover tax, and the contribution to the Bank Deposit Guarantee Fund, amounted to RON 2.9 billion, +65 percent compared to 2024.

“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.” – declares Horia Ciorcilă, Chairman of Banca Transilvania Board of Directors.