The net profit of Banca Transilvania, Romania\u2019s largest bank, at the end of September\u202f2025, was RON\u202f2.92\u202fbillion (EUR\u202f574\u202fmillion), 7.9% more than the same period in 2024, a dynamic mainly impacted by the increase of the banking tax, according to the results released on Monday, November\u202f10.<\/p>\n
Banca Transilvania financed companies with RON\u202f16\u202fbillion (EUR\u202f3.15\u202fbillion), and the general population with RON\u202f10.5\u202fbillion (EUR\u202f2.07\u202fbillion) in the first nine months of the year. Roughly 46% of loans for individuals are real estate\/mortgage, and 54% are consumer loans without mortgage or other types of financing for personal needs.<\/p>\n
The gross loans\/deposits ratio at the bank level exceeded the 65% threshold, +8% over the value from December\u202f2024. At the consolidated level, the gross loans\/deposits ratio increased by 5%, reaching 65.9%.<\/p>\n
BT\u2019s non\u2011performing loans ratio, according to the EBA definition, is 2.56% as of September\u202f30,\u202f2025. Net expenses with depreciation adjustments, expected losses for assets, and provisions for other risks and lending commitments at the individual level increased to RON\u202f549.1\u202fmillion (EUR\u202f108\u202fmillion), generating a risk cost that remains below 1% (0.72%).<\/p>\n
The bank\u2019s operational efficiency improved, reaching 44.26%, an indicator for which the annualized impact of contributions to the Bank Deposit Guarantee Fund, the Resolution Fund, and the turnover tax was considered.<\/p>\n
Banca Transilvania\u2019s solvency is 20.28%, with net profit for the first semester incorporated into equity. Customer savings at BT reached RON\u202f161.5\u202fbillion (EUR\u202f31.8\u202fbillion), +7.1% compared to December\u202f31,\u202f2024, and +13.1% compared to September\u202f2024.<\/p>\n
The bank\u2019s net interest income increased by 20.2% compared to the first three quarters of 2024, with quarterly evolution showing a +4.1% increase in Q3\u202f2025.<\/p>\n
The number of transactions carried out by individual and corporate clients through all the bank\u2019s channels recorded a significant increase: +18.8% in the first nine months of 2025 compared to the same period of 2024.<\/p>\n
\u201cBanca Transilvania has recorded solid business growth, supported by significant investments in technology, network, team, and the bank\u2019s operational foundation, while at the same time surpassing the threshold of EUR\u202f20\u202fbillion in net loans. All these, together with the development of BT\u2019s infrastructure, prepare the bank for new stages of growth. The economic environment continues to be challenging, but we remain confident that Romania will return, in the medium term, to economic growth above the European average,\u201d says \u00d6mer Tetik, CEO of BT.<\/p>\n
The bank\u2019s total assets reached RON\u202f213.2\u202fbillion (EUR\u202f42.0\u202fbillion) as of September\u202f30,\u202f2025, +3% compared to December\u202f31,\u202f2024, and +6.7% compared to September\u202f30,\u202f2024. Net loans and leasing receivables reached RON\u202f104.2\u202fbillion (EUR\u202f20.5\u202fbillion), +8.1% compared to December\u202f31,\u202f2024, and +10.7% compared to September\u202f30,\u202f2024. Consolidated net profit was RON\u202f3.27\u202fbillion (EUR\u202f643\u202fmillion) in the first nine months of the year.<\/p>\n