Banca Transilvania managed to attract one billion euros from foreign markets through a bond issue whose maturity is in May 2032, writes the Profit website.
According to the quoted source, investors subscribed offers of over 3.8 billion euros, which means almost four times the offer put on the market by BT.
Banca Transilvania Group reported a net profit of 4.66 billion lei in 2025, down 1.48%, from 4.73 billion lei in 2024, News.ro wrote in February.
Transilvania Bank's net interest income rose by 19.86% in 2025, to 6.63 billion lei (from 5.53 billion lei in 2024). In 2025, Banca Transilvania Group achieved net interest income of 8.06 billion lei, 16.76% higher than in 2024 (6.9 billion lei).
“Banca Transilvania recorded in 2025 increases above the market average in financing, operations and transactions, and the evolution of profit reflects the dynamics of commercial activity and operational efficiency. The acquisitions and mergers of BT in 2025 have strengthened the position of the Banca Transilvania Group in banking, private pensions and microfinancing, in Romania and the Republic of Moldova”, the bank's report showed.
The shareholders benefited from two rounds of dividends: 1.59 billion lei, distributed from the profit of 2024 (in June), respectively 700 million lei, from the profit reserves accumulated in previous years (in December).
“2025 was a year of growth for Banca Transilvania Group, with financial results above the market average and the strongest last quarter in recent years, which strengthened our leadership position. We completed acquisitions and strategic mergers in Romania and the Republic of Moldova. There were also two rounds of dividends. I thank investors, shareholders and customers for their trust, and the BT Group team for contributing to these results. We started 2026 with a business model robust, financial discipline and attention to growth opportunities. We remain engaged in supporting the Romanian economy even in periods of volatility, such as the one we are in,” declared Horia Ciorcilă, president of the Board of Directors of Banci Transilvania.
Two mergers in 2025
In 2025, BT Group marked two simultaneous mergers in Romania and the Republic of Moldova: Banca Transilvania – OTP Bank Romania and Victoriabank – BCR Chisinau. It also completed two strategic acquisitions: BRD Pensii, a player on Pillar 2 and Pillar 3 of private pensions, as well as Microinvest, the leader of the microfinancing market in the Republic of Moldova.
“The consolidated net profit for the entire year 2025, at the level of the BT Group, was 4.66 billion lei in 2025, which confirms the solid operational performance and the efficiency of the business model. The profit of the BT Group was 1.39 billion lei in the last quarter of 2025, +7.4% compared to the third quarter of 2025, marking the strongest quarter of the year”, the report states.
Total assets reached 224.4 billion lei on December 31, 2025, +8.4% compared to December 31, 2024, which shows the BT Group's position on the market and the increase in business volume.
Net leasing credits and receivables reached 106.7 billion lei, an evolution of +10.7% compared to December 31, 2024, supported by the demand for financing from companies and the population. At the consolidated level, the loans/deposits ratio reached 64.7%, increasing by 3.9 percentage points.
The net profit of the bank, not of the group, was 4.10 billion lei, +16% in 2025 compared to 2024, a confirmation of the solid evolution of commercial activity and operational efficiency. BT's net profit in the fourth quarter of 2025 was 1.17 billion lei, +2.4% above the level of the third quarter of this year and +42.6% compared to the fourth quarter of 2024, marking the strongest end of the year in recent years.
The rate of non-performing loans (according to the EBA) is 2.40%, as of December 31, 2025, and the degree of coverage with total provisions for non-performing exposures was 178.9%, reflecting a prudent position and the quality of the portfolio.
Net expenses with impairment adjustments and expected losses for assets and provisions for other risks and credit commitments increased to 622.2 million lei, generating a cost of risk that remains below 1% (0.59%). The figures confirm the bank's controlled risk profile.
5 million customers by the end of 2025
Banca Transilvania reached almost 5 million active customers (retail and companies) at the end of last year. In 2025, BT attracted over 470,000 new natural person customers, to which are added the over 130,000 from OTP Bank Romania, following the merger with Banca Transilvania.
The bank financed companies with 21.1 billion lei and individuals with 12.9 billion lei.
The balance of gross loans at the bank level is +22.6%, growth supported especially by the population segment, where the balance of loans advanced by 26.7%.
The volumes of new loans granted to natural persons are +28.1% compared to 2024, growth sustained especially by interest in real estate/mortgage loans. The balance of mortgage/real estate loans reached 24.9 billion lei, +29.2% compared to December 2024, representing 23.6% of the total loan portfolio.
The volume of loans for companies is +19.9%, an evolution that also includes the impact of the integration of the OTP Bank Romania portfolio. In 2025, BT continued to be a leader and arranger of syndicated facilities in key sectors, such as energy, automotive, telecommunications and industry.
8 million cards
The number of cards issued by BT has reached over 8 million, and the number of card transactions is +19% compared to 2024. The ecosystem continues to accelerate: over 5.7 million unique cards are enrolled in the BT Pay (for individuals) and BT Go (for entrepreneurs) applications.
The bank's total contribution to the public budget, including taxes, social contributions, turnover tax and the contribution to the Bank Deposit Guarantee Fund, was 2.9 billion lei, +65% compared to 2024.
