BT Group's profit accounted for 1.3 billion lei in the third quarter of 2025, up 18.6% compared to the second quarter of 2025, and Banca Transilvania's net profit stood at 1.15 billion lei, 12.3% higher against the second quarter of this year and 27.5% compared to the third quarter of 2024, according to a press release sent by the bank to AGERPRES on Monday.
The total assets of the Banca Transilvania Financial Group reached 213.2 billion lei as of September 30, 2025, up 3% compared to December 31, 2024 and 6.7% compared to September 30, 2024. Net loans and lease receivables reached 104.2 billion lei, up 8.1% compared to December 31, 2024 and 10.7% compared to September 30, 2024. The Group's consolidated net profit accounted for 3.27 billion lei January through September this year.
The net profit of Banca Transilvania was 2.92 billion lei at the end of September 2025, 7.9% more than in the same period of 2024, a dynamic impacted mainly by the increase in the bank tax.
The gross loans/deposits ratio at the bank level exceeded the 65% threshold, 8 pp (percentage points) above the value in December 2024, representing a more intensive use of attracted resources, an appetite for lending, as well as an efficient credit risk management strategy, the press release shows. At the consolidated level, the gross loans/deposits ratio appreciated by 5 pp, reaching 65.9%.
BT's non-performing loan ratio, according to the EBA definition, is 2.56% as of September 30, 2025.
Net expenses for impairment adjustments, expected losses on assets and provisions for other risks and lending commitments at individual level increased to 549.1 million lei, generating a cost of risk that remains below 1% (0.72%).
Banca Transilvania's solvency is 20.28%, with the net profit for the first semester incorporated into own funds.
The bank's net interest income is up 20.2% compared to the first three quarters of 2024, and the quarterly development shows an increase of 4.1% in Q3 2025.
Net income from fees and commissions is higher by 12.1% compared to the same period of the previous year, on the back of the increase in BT's activity and 2.8% higher compared to the previous quarter. Net trading income reached 682.5 million lei at the individual level, 45.4% higher than in the first nine months of 2024.
The number of operations carried out by individual and corporate clients through all the bank's channels registered an increase of 18.8% in the first nine months of 2025 compared to the same period of 2024.
The financial information for the 9-month and 3-month periods ended September 30, 2025, respectively, are unaudited and unrevised.
Banca Transilvania began its activity as a banking company in 1993, being authorized by the National Bank of Romania to carry out banking activities.
The Banca Transilvania Group ("the Group") includes the parent company and its subsidiaries headquartered in Romania and the Republic of Moldova.
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