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BANCA BT TRANSILVANIAⓇ SWIFT : BTRLRO22 C. U. I. RO 50 22 670 R.B. - P.J.R. - 12 - 019- 18.02.1999 No. Înreg . Reg . Com .: J12 / 4155 / 1993 CONSOLIDATED DIRECTORS ' REPORT for the nine month period ended 30 September 2021 In compliance with the Financial Supervision Authority's Regulation no . 5/2018