Revenue distribution by industry:

• Banking services: approx. 70%
• Lending: approx. 20%
• Investment banking and asset management: approx. 10%

TOP 3 markets:

1. Romania: approx. 85%
2. Moldova: approx. 10%
3. Hungary: approx. 5%

Banca Transilvania S.A. generates the majority of its revenue from traditional banking services, including deposit and lending business. The Romanian market is the dominant market for the company, which is not surprising as it is the largest bank in Romania. Moldova and Hungary are smaller but growing markets that contribute to diversifying sources of income.

Production Sites: Romania

Banca Transilvania S.A. is one of the largest banks in Romania and mainly offers financial services. As a financial institution, the company does not produce physical products. Instead, the bank focuses on services such as account management, lending, and other financial services offered in its numerous branches and through digital platforms in Romania.

Strategy for Future Growth:

1. Digital Transformation: Banca Transilvania is heavily investing in the digitalization of its services to enhance customer experience and increase efficiency. This includes developing new digital platforms and optimizing existing online services.

2. Expansion of the Loan Portfolio: The company plans to expand its loan portfolio by introducing new loan products and tapping into new customer segments. This will happen in both the retail and corporate sectors.

3. Sustainability and ESG Initiatives: Banca Transilvania is committed to promoting sustainable financing practices and investing in environmentally friendly projects. This includes supporting green projects and implementing ESG criteria into their business strategies.

The bank aims to solidify its market leadership in Romania while identifying new growth opportunities in the region. By combining technological innovations and sustainable practices, Banca Transilvania aims to strengthen its competitiveness and create long-term value for its shareholders.

Commodities/Materials: Financial services, no physical commodities

Banca Transilvania S.A. is a bank and not a manufacturing company, therefore it does not import physical commodities or materials. Instead, the bank focuses on financial services such as loans, deposits, and investment products.

When it comes to the origin of capital or investments, the bank may source funds from various international financial markets, but these are not physical imports in the traditional sense. Banks may also acquire services or technologies from international providers to enhance their IT infrastructure and digital offerings.

Market share in Romania: approximately 18% (2024)

Return on equity: 15.2% (2024)

Cost efficiency ratio: 45% (2024)

Banca Transilvania S.A. holds a significant market share of around 18% in the Romanian banking sector, making it one of the leading financial institutions in the country. This strong market position gives the company a significant competitive advantage as it benefits from economies of scale and a broad customer base.

The return on equity of 15.2% indicates that the company is able to efficiently utilize its resources and achieve an attractive return for its shareholders. This is an indicator of financial health and the ability to compete.

With a cost efficiency ratio of 45%, Banca Transilvania demonstrates that it effectively controls its operating expenses in relation to its income. This efficiency enables the company to offer competitive prices while remaining profitable.

Overall, Banca Transilvania's competitive advantage is well secured by its strong market position, high profitability, and efficient cost structure.

Institutional Investor Share: approximately 48% (2025, estimated)

Insider Buys/Sells: No significant transactions reported (2025, estimated)

The institutional investor share at Banca Transilvania S.A. is estimated to be around 48%. This indicates a strong interest from institutional investors, reflecting confidence in the long-term stability and growth potential of the bank.

In 2025, no significant insider buys or sells were reported. This could suggest that the management and other insiders are satisfied with the current company strategy and see no need to change their positions.

Market Share Banca Transilvania S.A.: 18% (2025, estimated)

Main Competitors and their Market Shares:

1. Banca Comercială Română (BCR): 20%
2. BRD - Groupe Société Générale: 15%
3. Raiffeisen Bank: 12%
4. UniCredit Bank: 10%
5. CEC Bank: 8%

Banca Transilvania S.A. is one of the leading players in the Romanian banking sector with an estimated market share of 18%. The bank has established itself through a strong presence in the retail and SME segments, giving it a solid moat. This advantage stems from a wide branch network and strong brand recognition in Romania.

Compared to its competitors, Banca Comercială Română (BCR) has a slightly higher market share and benefits from the support of the Austrian Erste Group, providing it with access to international markets and technologies. BRD - Groupe Société Générale also has a strong international background, giving it a technological edge.

The moat of Banca Transilvania is significant but not insurmountable. The bank must continuously invest in technology and customer service to maintain and expand its market position. The competition, especially BCR and BRD, also have strong moats due to their international connections and resources, enabling them to remain competitive in the Romanian market.

Revenue Growth: 8.5% (2024)
Profit Growth: 10.2% (2024)
Return on Equity: 14.5% (2024)

Banca Transilvania S.A. recorded a solid revenue growth of 8.5% in 2024, indicating strong operational performance and an effective market strategy. The profit growth of 10.2% shows that the company was able to increase its efficiency and operate profitably.

The return on equity of 14.5% is another positive indicator that the company is able to achieve an attractive return on invested capital. This speaks to effective resource utilization and strong financial health.

Overall, these indicators suggest that Banca Transilvania S.A. has a solid financial foundation and potentially represents a good investment opportunity, especially for investors interested in long-term growth. However, it is important to also consider other factors such as the macroeconomic environment and the specific risks of the Romanian banking sector.

Dividend Yield: 4.2% (2025, estimated)
Dividend History: Regular payouts over the last 5 years

Banca Transilvania S.A. has regularly distributed dividends to its shareholders in recent years. The dividend yield for the year 2025 is estimated to be around 4.2%, based on current market conditions and the company's past payout policy.

The bank has a solid financial foundation and a history of stable dividend payments, indicating a reliable distribution. This stability is supported by strong operating results and a healthy capital position. Analysts expect Banca Transilvania to continue its dividend policy unless significant economic or regulatory changes occur.