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Banca Transilvania 9M YTD 2025 Financial Results The 11th of November 2025
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The information contained in the present document has not been independently verified and no representation or warranty expressed or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of this information or opinions contained herein. Banca Transilvania cautions readers that no forward-looking statement that may be contained in the present document is a guarantee of future performance and that actual results could differ materially from those contained in the forward-looking statements. Forward-looking statements speak only as of the date they are made, and Banca Transilvania undertakes no obligation to update publicly any of them in light of new information or future events. None of Banca Transilvania or any of its affiliates, advisors or representatives shall have any liability for any loss howsoever arising from any use of this document or its content or otherwise arising in connection with this document. The present document does not constitute a public offer under any applicable legislation or an offer to sell or solicitation of any offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. DISCLAIMER Financial Results 9M YTD 2025 | 11th of November 2025 2
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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• Romania is the 2nd largest economy in CEE with a population of over 19 MN as of 2025. • One of the fastest growing EU countries historically with strong real GDP growth of 3.3% per year (2015–2024 CAGR). • In the first half of 2025, Romania’s real GDP grew by 0.3% YoY on an unadjusted basis, while the seasonally adjusted figure showed a 1.4% increase. • In Q3-25, Romania’s financial intermediation ratio (as non-government loans/GDP) stood at 23.35% STRONG GROWTH DYNAMICS 4 ROMANIAN ECONOMY ENDOGEN & EXOGEN FACTORS TO SUSTAIN OUTPERFORMANCE % Real GDP Growth, Average 2015–2024 Consumer prices (HICP) (%, YOY) INFLATION 8.6 ROEU GDP per capita 2024 (PPS, EU27_2020 = 100) 1.6 2.7 2.8 2.9 3.2 3.3 3.3 3.6 4.9 6.4 7.3 0 2 4 6 8 EU27 Hungary Bulgaria Slovenia Lithuania Croatia Romania Poland Cyprus Malta Ireland 43.8 46.9 48 57.3 57.5 58.1 61.2 62.4 62.9 69.4 76.2 81.9 0 20 40 60 80 100 Czechia Malta Latvia Romania Croatia Poland Cyprus Germany Slovakia Slovenia Hungary European Union - 27… General Government Debt Q2 2025, % GDP RELATIVELY LOWER DEBT TO GDP RATIOS RELATIVELY HIGH WEALTH IN THE CEE • Government deficit in Sep-25 (as % of GDP) was 5.39% similar to last year’s results (5.44%). • The trade deficit reflects an improved trend, narrowing to +4.3% YoY in the first 9M-25, supported by export growth of 9.2% YoY and import growth of 6.2% YoY in Sep. • Inflation (HICP) increased in Sep-25 reaching a new high in 2025 of 8.6% YoY. • The public debt/GDP level of 57.3% in Q2-25 remains below the EU average of 81.9%. 66 70 71 75 77 77 78 79 79 82 88 91 91 92 95 98 99 100 0 20 40 60 80 100 120 Bulgaria Greece Latvia Slovakia Croatia Hungary Romania Estonia Poland Portugal Lithuania Czechia Slovenia Spain Cyprus Italy France EU Sources: NBR, Romanian NSI, Eurostat 0 2 4 6 8 10 12 14 16 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 2.6 Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital
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(5.0) 0.0 5.0 10.0 15.0 20.0 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 (2.0) 0.0 2.0 4.0 6.0 8.0 10.0 12.0 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 DEPOSITS DROP BELOW THE EU AVG. Corporate deposits (%, YoY) STRONG ASSET QUALITY AND ROBUST CAPITAL 5 LENDING GROWTH HIGHER THAN THE EU AVG. (5.0) 0.0 5.0 10.0 15.0 20.0 25.0 30.0 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 Corporate loans (%, YoY) Corporate lending reached a growth rate of 5.4%, still above the EU average 5.4 2.9 Household loans (%, YoY) Household lending is expanding at a faster pace in Romania as compared to the EU average (2.6% YoY) 9.1 2.6 ROEU Corporate deposits growth rate picked up momentum starting with July and reached 2.7% YoY growth rate. 2.7 Household deposits (%, YoY) Household deposits growth rate gap between Romania and the EU persists (3.0) 0.0 3.0 6.0 9.0 12.0 15.0 18.0 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Jul-23 Sep-23 Nov-23 Jan-24 Mar-24 May-24 Jul-24 Sep-24 Nov-24 Jan-25 Mar-25 May-25 Jul-25 Sep-25 8.8 3.2 NPL ratio % (EBA Risk dashboard as of Q2 2025) HU CZ ROPL 15.0 16.0 17.0 18.0 19.0 20.0 21.0 22.0 23.0 24.0 25.0 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 The non-performing loan (NPL) ratio reached 3.3% as of June 2025. TIER 1 (%) Capital adequacy ratio (Tier 1) remains higher (21.6%) than the EU average (17.6%) ROEU 21.6 17.6 ROEU 3.8 Sources: : NBR, ECB, Bloomberg, EBA Risk Dashboard 0 0.5 1 1.5 2 2.5 3 3.5 4 4.5 5 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 BANKING SECTOR EVOLUTION Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital
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CONSUMER LOANS – ASCENDING TREND IN ‘25HOUSEHOLD LOANS – ASCENDING TREND IN ‘25HOUSEHOLD DEPOSITS GREW SINCE DEC ‘24 CORPORATE LOANS ON AN ASCENDING TRENDCORPORATE DEPOSITS DROPED FROM DEC-24 Corporate deposits (BN | RON) Corporate deposits decreased by 4.6% from Dec-24 to Sep-25. Dec -24 Jan -25 Feb -25 Mar -25 Apr -25 May -25 Jun -25 Jul -25 Aug -25 Sep -25 KEY INSIGHT Corporate liquidity is contracting while credit demand rises, suggesting increased reliance on bank financing as well as gradual shift from supplier financing toward formal banking channels, reinforcing the role of banks in corporate funding. Household lending growth— especially consumer credit—points to strong domestic demand while monitoring for credit quality. 6 Source: : NBR YTD BANKING SECTOR EVOLUTION Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital Corporate loans (BN | RON) Household deposits increased by 2.9% since Dec-24. Corporate loans increased by 3.5% YTD. 380 380 381 383 387 388 390 391 391 391 Dec -24 Jan -25 Feb -25 Mar -25 Apr -25 May -25 Jun -25 Jul -25 Aug -25 Sep -25 +2.9% 227 219 220 222 217 219 213 215 214 216 -4.6% 110 110 111 111 112 113 113 114 115 116 Dec -24 Jan -25 Feb -25 Mar -25 Apr -25 May -25 Jun -25 Jul -25 Aug -25 Sep -25 +4.9% 77 77 77 79 80 81 82 84 84 85 Dec -24 Jan -25 Feb -25 Mar -25 Apr -25 May -25 Jun -25 Jul -25 Aug -25 Sep -25 +10.1% 209 206 207 208 208 211 214 214 215 216 Dec -24 Jan -25 Feb -25 Mar -25 Apr -25 May -25 Jun -25 Jul -25 Aug -25 Sep -25 +3.5% Household deposits (BN | RON) Housing loans (BN | RON) Housing loans increased by 4.9% YTD. Consumer loans (BN | RON) Consumer loans grew the fastest, increasing by 10.1% YTD.
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6.68 22 BT Market Share % 14 Peer 1 % 11 Peer 2 % 10 Peer 3 % 10 Peer 4 % 34 Others % ROMANIAN BANKING SECTOR MARKET SHARES BY TOTAL ASSETS* KEY HIGHLIGHTS OF THE BANKING SECTOR 2.81 EVOLUTION OF ASSET QUALITY Non-performing loan ratio, Jun-25 %235 % INCREASED RESILIENCE Liquidity coverage ratio, Jun-25 ✓ 18.17 % SOLID SECTOR PROFITABILITY Sector average ROE, Jun-25 $ 24.23 % SOUND PROVISIONING LEVELS Capital adequacy ratio, Jun-25 ($) 64.4 % COMFORTABLE BUFFER NPL coverage ratio, Jun-25 51.38 % UPPER OPERATIONAL EFFICIENCY Cost-to-income ratio, Mar-25 Sources: NBR, NBR Financial Stability Report*Note: As per latest available data, Jun-25 BANKING SECTOR INDICATORS 7 NBR Policy Rate, Sep-25 6.50 POLICY RATE MAINTAINED % DECREASING TREND FOR ROBOR 6M ROBOR 6M (monthly average), Sep-25 Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital %
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S&P GLOBAL – JULY 2025 • S&P Global has affirmed Romania's sovereign ratings at BBB- (investment grade) • Negative outlook for long-term debt and “A-3” for short- term debt – July 2025. FITCH – AUGUST 2025 • Fitch has maintained Romania's sovereign rating at BBB- (investment grade) • Negative outlook, due to large fiscal and current account deficits and rising public debt • VAT: Standard VAT increased from 19% to 21% (from 1st Aug-25); the reduced rates (5% and 9%) were unified into a reduced rate of 11%. • Turnover tax: in addition to corporate income tax, turnover tax increased to 4% starting with 1st Jul-25 and throughout 2026. • Dividend tax: increase to 16% (from 10%). • Social Health Insurance Contribution: expansion of the application base and introduction of 10% rate for pensions, applicable to amounts in excess of RON 3,000/month. • Excise: increases on fuel, alcohol, tobacco (+5%->10%) • Road Tax: tariffs increase from 1st Sep-25. • Public expenditure (2026): limits on public sector wage increases, freezing of vacancies, other caps. • Health system reform: new health regulations for family doctors and financial support regarding health services for patients with severe conditions • Public Enterprise Governance Law: regulatory framework that caps discretionary payments and benefits in state-owned companies, reinforcing financial discipline and good governance. FISCAL PACKAGES #1 + #2 ESTIMATED IMPACT SOVEREIGN RATINGS AFFIRMED, WHILE NEW FISCAL MEASURES ADOPTED/PROPOSED TO EASE BUDGET DEFICIT 2025 FISCAL DEFICIT C O R R E C T I O N 0.6 TO1.1 8Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital GROSS DOMESTIC PRODUCT % % 2026 FISCAL DEFICIT C O R R E C T I O N 1.7 TO3.3 GROSS DOMESTIC PRODUCT % %
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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BT PERFORMANCE 10 PROFITABILITY 9M 2025 ∆ 9M 2025 Net interest income RON | MN 4,921.8 20.2% 5,956.9 Net fee and commission income RON | MN 1,051.6 12.1% 1,220.5 Operating expenses RON | MN (3,175.5) 16.4% (3,969.9) Pre-provision operating profit RON | MN 3,972.9 22.5% 4,496.8 Net profit RON | MN 2,922.3 7.9% 3,267.3 EPS RON Cost of risk, net (%) NIM (%) ROE (%) Cost-to-income ratio (%)* *Computed assuming the annual contribution to Deposits Guarantee Fund and Resolution Fund to be evenly allocated over 12 months. BS HIGHLIGHTS SEP-25 ∆ SEP-25 9M 2024 9M 2024 ∆ 4,096.3 5,011.4 18.9% 937.7 1,089.5 12.0% (2,728.6) (3,393.4) 17.0% 3,242.7 3,835.9 17.2% 2,708.9 3,907.5 -16.4% 0.14% 0.31% 3.45% 4.09% 29.34% 34.92% 45.55% 46.79% DEC-24 DEC-24 ∆ Total assets RON | MN 201,059 184,264 9.1% 213,192 207,035 3.0% Gross loans ** RON | MN 105,245 86,182 22.1% 110,823 101,976 8.7% Deposits from customers RON | MN 161,460 150,785 7.1% 168,231 167,869 0.2% Gross loans-to-deposits ratio 57.16% 60.75% NPL ratio (EBA) 2.07% CAPITAL SEP-25 DEC-24 SEP-25 DEC-24 Tier 1 capital ratio 20.83% 19.02% Total capital ratio 23.69% 21.41% 3.4454 2.56% 0.49 pp 18.10% 17.75% 20.28% 19.82% 2.9284 -15.0% 0.72% 0.58 pp 0.74% 0.43 pp 3.49% 0.04 pp 26.05% -3.29 pp 24.25% -10.67 pp 44.26% -1.29 pp 65.18% 8.03 pp 46.73% -0.06 pp 65.88% 5.13 pp 3.97% -0.13 pp **At the consolidated level finance lease receivables are included Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital INDIVIDUAL CONSOLIDATED ∆ -2.73 pp -3.40 pp ∆ -1.26 pp -1.59 pp
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TRENDS IN INCOME Net interest income Net fee & commission income Other income Net trading income Net gain/loss from financial assets measured at FVOCI and P&L 9M YTD 2025 9M YTD 2024 Net fee & commission income 2.60% 2.76% 0.00% 1.75% 2021 2.97% 3.46% 2.50% 6.75% 2022 3.17% 4.73% 4.50% 7.00% 2023 3.43% 3.91% 3.15% 6.50% 2024 3.49% 3.97% 2.15% 6.50% 9M 2025 RON | MN NIM BT only NBR Policy Rate ECB Refi. Rate (As 11 Jun’25) 4,096 4,922 938 1,052 469 683 20.2% 12.1% 45.4% -18.4% 330 270 68.9% 3.1% 3.8% 9.5% 14.7% BT INDIVIDUAL 11 Net trading income Net interest income Net gain/loss from fin. assets BT GROUP Net interest income 5,011 5,957 18.9% Net fee & commission income 1,090 1,221 12.0% Net trading income 647 880 36.2% Net gain/loss from fin. assets 252 181 -28.2% 70.4% 2.7% 2.1% 10.4% 14.4% NIM Consolidated BT GROUP Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital NIM
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TRENDS IN OPEX 372 415 1,189 1,543 1,444 1,630 12.8% 318 342 198 312 24.6% **9M’25 C/I without turnover tax Total Assets/ No. of active employees | RON MN (BT only) No. active employees (BT only) Personnel expenses Depreciation and amortization Other operating expenses* 966 1,204 18.9% 7.6% 48.1% 2021 49.7% 2022 45.6% 2023 45.4% 2024 44.3% 9M 2025 39.92% 8,651 9,109 9,547 9,744 10,289 2021 2022 2023 2024 Sep-25 5.6% 14.5 14.7 16.9 18.9 19.5 C/I RATIO 12 BT INDIVIDUAL ** BT GROUP 1,833 2,012 9.8% Personnel expenses Depreciation and amortization 11.4% Other operating expenses* 29.8% 48.3% 47.5% 45.4% 48.3% 46.7% * Without the turnover tax (RON 312 million, +58% YoY) Other operating expenses would have increased only by 16.1%. Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital RON | MN 9M YTD 2025 9M YTD 2024 Turnover tax C/I Ratio (Group) C/I Ratio (Bank)
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Sep-25 Dec-24 BN RON Consumer Housing Other Sep-25 BN RON Consumer Housing Other Sep-25 Dec-24 BN RON Large Corporate Mid Co. & SMEs* Sep-25 BN RON Large Corporate Mid Co. & SMEs* RON FCY RON FCY 93% 7% 24.9 17.6 0.09 42.733.9 19.3 14.6 0.05 25.9% 46% 54% 19.7% 52.3 22.9 29.4 62.6 27.0 35.6 13 SUSTAINED PORTFOLIO GROWTH BT INDIVIDUAL * ** Fix Floating 36% 32% Sep-25 Fix Floating 7% 93% Sep-25 Floating (Fix Introductory) 32% Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital LOANS TO HOUSEHOLD LOANS TO COMPANIES *SMEs identified according to internal classification rules updated in 2024 **RON 4.7 billion OTP portfolio in loans to companies, +10.6% Δ without OTP *RON 4.9 billion OTP portfolio in loans to households, +11.3% Δ without OTP
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DEPOSITS FROM HOUSEHOLD Dec-24 BN RON Deposits Current accounts Sep-25 BN RON Dec-24 BN RON Sep-25 BN RON Deposits Current accounts Sep-25 RON FCY Sep-25 RON FCY DEPOSITS FROM COMPANIES 60% 40% 98.0 105.6 54.3 7.7% 60.3 45.3 52.8 77% 23% 55.9 5.9% GROWING DEPOSITOR’S BASE 14 *SMEs identified according to internal classification rules updated in 2024 BT INDIVIDUAL Mid Corporate & SMEs* 43.4 Large Corporate 9.3 Large Corporate 10.7 Mid Corporate & SMEs* 45.2 43.7 *RON 4.3 billion OTP portfolio on household deposits, +3.3% Δ without OTP * Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital ** **RON 3.2 billion OTP portfolio on deposits from companies, -0.2% Δ without OTP
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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BT GROUP 8.00 19.82 3.84 6.00 1.98 8.0% 11.84% 17.84% 19.82% Min CAR TSCR* OCR** CAR NBR CAR NBR *TSCR includes Min CAR and additional requirements as regulated by NBR **OCR includes TCSR and capital buffers 12.66% Min CET1 CET117.75% 57.5 CET 1 Capital instruments % 2.2 Deduction & Adjustments to CET1 % Banca Transilvania has strong capital positions, well above those imposed by capital requirements and regulatory guidance. 10.4 Tier 2 Capital % 29.9 Retained earnings & reserves % 23.6% 20.8% 21.6% 21.4% 20.8% 19.8% GROUP TIER1 RATIO & CAR *** GROUP RWA & RWA DENSITY ***BT's Capital Adequacy Ratio, incorporating in the own funds the interim net profit for H1’25 40% 43% 41% 42% 45% 15% 73% 2021 77% 17% 6% 2022 79% 18% 3% 2023 77% 19% 4% 2024 81% 4% Jun-25 80% 15% 5% Sep-25 52.5 60.6 69.4 87.9 93.7 95.7 20.7% 12.3% 87.7% 2021 18.4% 11.6% 88.4% 2022 18.3% 15.1% 84.9% 2023 19.0% 11.2% 88.8% 2024 18.6% 10.3% 89.7% Jun-25 17.8% 10.4% 89.6% Sep-25 12.4 12.6 15.0 18.8 19.5 19.0 CAPITAL RATIOS AS AT 30 SEP 2025, % ROBUST GROUP CAPITAL RATIOS OWN FUNDS’ STRUCTURE AS AT 30 SEP 2025, % 16 BN RON 19.0 9% 18% Financial Results 9M YTD 2025 | 11th of November 2025 CAR Tier 1 Ratio Own Funds Tier 1 RWA density RWA CR RWA OP RWA MR RWA CVA GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital 45%
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8.00 20.28 3.86 6.00 2.42 8.0% 11.86% 17.86% 20.28% Min CAR TSCR* OCR** CAR NBR CAR NBR *TSCR includes Min CAR and additional requirements as regulated by NBR **OCR includes TCSR and capital buffers 12.67% Min CET1 CET118.10% 63.4 CET 1 Capital instruments % 4.3 Deduction & Adjustments to CET1 % 10.8 Tier 2 Capital % 21.5 Retained earnings & reserves % 24.5% 21.6% 22.0% 23.7% 21.9% 20.3% BT TIER1 RATIO & CAR *** BT RWA & RWA DENSITY ***BT's Capital Adequacy Ratio, incorporating in the own funds the interim net profit for H1’25 38% 40% 38% 38% 42% 42% 9% 74% 2021 77% 16% 6% 2022 79% 17% 4% 2023 77% 18% 5% 2024 80% 16% 4% Jun-25 80% 15% 5% Sep-25 47.7 54.1 62.0 69.2 81.6 84.821.3% 12.9% 87.1% 2021 18.9% 12.4% 87.6% 2022 18.3% 16.6% 83.4% 2023 20.8% 12.1% 87.9% 2024 19.5% 10.5% 89.5% Jun-25 18.1% 10.8% 89.2% Sep-25 11.7 11.7 13.6 16.3 17.8 17.2 17 BN RON 17.2 BT INDIVIDUAL 17% Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital CONSERVATIVE CAPITAL ADEQUACY. CONSTANT RISK DENSITY CAPITAL RATIOS AS AT 30 SEP 2025, % OWN FUNDS’ STRUCTURE AS AT 30 SEP 2025, % CAR Tier 1 Ratio Own Funds Tier 1 RWA density RWA CR RWA OP RWA MR Banca Transilvania has strong capital positions, well above those imposed by capital requirements and regulatory guidance.
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S1 Coverage ratio CoR Group CoR Bank 0.67% 0.65% 2021 0.76% 0.47% 2022 0.51% 0.35% 2023 0.66% 0.49% 2024 0.89% 0.84% Jun-25 Sep-25 0.74% 0.72% 2021 2022 2023 2024 Jun-25 Sep-25 168% 196% 204% 206% 177% 181% 2.71% 3.35% 2.44% 2.65% 1.98% 2.37% 2.07% 2.48% 2.65% 2.81% 2.56% 2.82% 82% 15% 3% 2022 83% 14% 3% 2023 84% 13% 3% 2024 83% 13% 3% Sep-25 67.5 75.9 86.2 105.2 83% 81% 15% 3% 2022 82% 15% 3% 2023 83% 14% 3% 2024 81% 15% 3% Sep-25 72.5 80.4 102.0 110.8 NPL Coverage Ratio CONSOLIDATEDBT INDIVIDUAL POCIS1 S2 S3 CONSOLIDATEDBT INDIVIDUAL S2 Coverage ratio S3 Coverage ratio POCI Coverage ratio 2% 16% 66% 21% 2022 2% 15% 68% 17% 2023 2% 16% 69% 16% 2024 2% 16% 70% 14% Sep-25 2% 15% 65% 26% 2022 2% 15% 64% 22% 2023 2% 15% 64% 10% 2024 2% 14% 67% 15% Sep-25 NPL Ratio NPL RO Banking System* *Latest available as of Aug-25 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital PRUDENT UNDERWRITING LEADING TO STRONG ASSET QUALITY BT NPL EBA & NPL COVERAGE RATIO, % COST OF RISK, % LOANS PER STAGES, BN RON ECL COVERAGE PER STAGE, % Financial Results 9M YTD 2025 | 11th of November 2025 18
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19 461% 528% 239% 2021 267% 268% 209% 2022 747% 767% 281% 2023 506% 514% 255% 2024 355% 373% 235% Jun-25 439% 427% 239% Sep-25 56% 2021 61% 2022 58% 2023 61% 2024 65% Jun-25 66% Sep-25 108 120 138 168 164 168 LCR Group LCR BT LCR RO Banking system* Gross Loans / Deposits Ratio RON | BN BT GROUP NSFR Group NSFR BT NSFR RO Banking system *Latest available as of Aug-25 25.70% 25.70% 6.00% 6.00% 32.71% 31.70% 33.14% 31.70% 18.63% 17.75% 2.13% 2.07% 0.62% 0.66% 11.32% 12.67% • Subordinated requirement: 22.2% (net of CBR) CONSOLIDATED BASIS: FINAL MREL TARGETS • Total requirement: 25.7% (net of CBR) MREL Requirement CET1CBR Tier 2 MREL Capacity JUN-25 Total Requirement JUN-25 MREL Capacity SEP-25 Total Requirement SEP-25 Eligible Instruments Other Sub. Liabilities 144 BPS101 BPS • MREL capacity as of Sep-25 includes recent SNP local issuance of RON 1.5 BN (July 3, 2025) **Latest available as of Jun-25 Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital HIGH LIQUIDITY LEVELS MAINTAINED GROUP LIQUIDITY RATIOS EVOLUTION MREL STRATEGY - UPDATES 172% 180% 175% 2021 209% 220% 177% 2022 232% 239% 194% 2023 263% 270% 197% 2024 233% 231% 194% Jun-25 228% 233% Sep-25
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MOODY’S • On 7th November Moody’s updated Banca Transilvania credit ratings. • The upgrade of long-term deposit and issuer ratings to Baa1 and Baa2, respectively, was driven by lower losses in case of failure. Moody’s analysis indicates an extremely low loss severity for depositors and very low losses for senior unsecured creditors in the event of the bank's failure. • Long-term deposit rating is currently at the maximum possible in the context of the sovereign rating. The negative outlook is driven by the negative outlook on the sovereign rating. • The stable outlook on the long-term issuer ratings reflects the expectation that the BT’s financial performance, specifically BT’s capital and profitability, will remain resilient despite macroeconomic headwinds. • Affirmation of the Baseline Credit Assessment reflects the bank's good capitalization, strong profitability supported by the leading market position and good cost efficiency. The strong retail deposit franchise and ample liquidity contributes to BT’s credit profile. 20Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital BT’S CREDIT RATINGS RATINGS 2025 REVIEW 2024 REVIEW Long-Term Deposit Ratings 3 Notches Uplift vs. BCA Baa1, negative Baa2, positive Long- and Short-Term Issuer Ratings 2 Notches Uplift vs. BCA Baa2, stable Baa3, positive Baseline Credit Assessment (BCA) Ba1 Ba1 Adjusted Baseline Credit Assessment Ba1 Ba1 Short-Term Deposit Ratings Baa2/P-2 Baa2/P-2 Foreign currency junior senior unsecured rating Ba1 Ba1 Long- and Short-Term Counterparty Risk Ratings (CRRs) Baa1/P-2 Baa1/P-2 Long- and Short-Term Counterparty Risk (CR) Assessments Baa2(cr)/P-2(cr) Baa2(cr)/P-2(cr)
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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22Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital APPROVAL OF ADDITIONAL DIVIDENDS DISTRIBUTION Approval of additional RON 700MN cash dividends from the reserves related to prior years, as follows: • 2015: RON 283.3MN – net profit reserves • 2016: RON 264.1MN – net profit reserves • 2019: RON 152.6MN – net profit reserves • Gross dividend/share of RON 0.6420341921 o Ex-date: 24th of November o Payment date: 11th of December APPROVAL OF CORPORATE BONDS ISSUANCE Approval of the EUR 2BN bond issuances: • Aimed at enhancing capital position and MREL capacity, while diversifying the debt and capital stack. • Contemplating issuing AT1 capital securities for capital optimization • Bonds issuances will be carried for a 5-year period.
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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24Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital BEING AT THE CORE OF OUR ESG STRATEGY, CUSTOMER SATISFACTION REFLECTS HOW WELL WE SERVE OUR CLIENTS CUSTOMER SATISFACTION MARKET POSITIONING Banca Transilvania is in the top tier of the Romanian banking sector, with a Net Promoter Score (NPS), significantly above the industry average 66 RETAIL NPS +6 points above the market average 52 CO. NPS +5 points above the market average Source: Kantar Study 2024-2025 POSITIVE ASPECTS • High ratings obtained in the Corporate clients’ segment, reflect a robust and trusted service ecosystem. • Feedback from the retail clients confirms BT’s alignment with customer needs and expectations. LOYALTY & SATISFACTION • Share of customers that consider BT their primary banking partner. • BT Pay mobile app leads in customer satisfaction, with 90% of its users giving top satisfaction ratings. 78 RETAIL LOYALTY 90 CO. LOYALTY %% 90 BT PAY USER SATISFACTION % RETAILCORPORATE ✓Product Offering ✓Employees ✓Brand Strength ✓Transparent Pricing ✓Customer Centric Approach ✓Dedicated Account Managers ✓Brand Reputation ✓Apps ✓In-branch Experience ✓POS Terminals
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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26Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital BT PAY: TAILORED ECOSYSTEM TO FIT YOUR LIFESTYLE 4.5 MN ENROLLED USERS, AS OF 30 SEP-25 25% 9M25 / 9M24 31% 9M25 / 9M24 236 MN MOBILE/NFC PAYMENTS AS OF 30 SEP-25 BUILDING FINANCIAL WELLBEING. SEAMLESSLY • ~60% of savings accounts were opened through BT Pay in the first nine months of 2025 • Over 390,000 Round up accounts – a habit of effortless, consistent saving SINERGY #1 BTAM & BT PAY • +50% of BTAM customers use BT Pay for managing their investment portfolios. • +40% of new assets come through BT Pay. • Recurring investment products attract +35% of new users. SINERGY #2 BT PENSII & BT PAY • New – Digital Pension in BT Pay was launched in Aug-25 • BT Pay: key pension sales accelerator • ~16% of new customers originated via BT Pay in Sep-25
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185 M VOLUME OF TRANSACTIONS AS OF 30 SEP-25 ROUTED THROUGH BT GO O/W 76% VIA MOBILE APP 27Financial Results 9M YTD 2025 | 11th of November 2025 BT GO: ALL-IN-ONE BANKING PLATFORM FOR ENTREPRENEURS 452 K ENROLLED COMPANIES AS OF 30 SEP-25 O/W 76% TRANSACTIONALLY ACTIVE 19.6 K NO. OF TRANSACTIONS AS OF 30 SEP-25 ROUTED THROUGH BT GO O/W 79% VIA MOBILE APP 59 K DEPOSITS OPEN AS OF 30 SEP-25 THROUGH BT GO O/W 80% VIA MOBILE APP 500 K CARDS ISSUED / MONTH AS OF 30 SEP-25 O/W 91% VIA MOBILE APP O/W GOLD CARDS 401 EARLY REPAYMENT OF LOANS AS OF 30 SEP-25 REIMBURSED THROUGH BT GO O/W 94% VIA MOBILE APP GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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BANCA TRANSILVANIA • EUR 6 BN market cap (+21% vs. YE-24) • 7.65% dividend yield including dividends to be paid in 11th Dec-25 BT ASSET MANAGEMENT • 350K+ active accounts: >150K in BT Pay • AUM > RON 7.8 BN +13% vs Dec-24 BT CAPITAL PARTNERS • 28% intermediations market share • RON 17.5 BN value of transactions • +50% increase in international transaction volumes versus 2024 BT DIRECT • 11% total assets growth vs. YE-24 BT LEASING • July set a historic record: EUR 91 MN in sales, highest in 30 years • Launched Multisign – multi-party electronic document signing • Green Finance Partner for Eurocharge 2025 project BT MIC • >40K customers, +31% vs Sep-24 • RON 1.5 BN gross loans BT PENSII • #2 in Pillar III– up from #6 in five years, with 180K participants • AUM > RON 700 MN – up from RON 78 MN in 2020 • August record: 7,200+ new Pillar III participants – highest in 8 years VICTORIABANK • Opened a new branch in a key area of Chișinău • Record assets reached MDL 30 BN • Guarantee agreement with the European Investment Bank in amount of EUR 30 MN to expand access to financing for SMEs • Free transfers Victoriabank–BT doubled in volume YoY INNO INVESTMENTS • Received AFIA license – now among few in Romania managing alternative investment funds 29 BT BROKER • Q3 record new business: RON ~30 MN monthly in gross premiums, +30% vs Sep-24 • New partnership to implement an Insurtech platform ICC • > RON 3 BN in managed arrears – across 135K+ cases SALT BANK • Strong customer growth: >580K users on the SALT mobile app • Gross loans: +79% Q3 vs Q2, reaching 0.25 BN • Deposits from customers: +15% Q3 vs Q2, reaching 1.73 BN • New investment options: foreign shares and ETFs launched via mobile app Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital BT FINANCIAL GROUP HIGHLIGHTS
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30 Net Profit RON 2,922.3 MN Total Assets RON 201,059 MN Net Profit RON 35.9 MN Total AUM RON 7,808 MN Net Profit RON 27.8 MN Total Assets RON 997 MN Net Profit RON 31.5 MN Total Assets RON 1,279 MN Net Profit RON 318.8 MN Total Assets RON 6,607 MN Net Profit RON 70.1 MN Total Assets RON 1,475 MN Net Profit RON -0.01 MN Total AUM RON 703 MN Net Profit RON 95.7 MN Total Assets RON 7,803 MN Net Profit RON -172.3 MN Total Assets RON 2,065 MN Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital BT FINANCIAL GROUP OVERVIEW
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AGENDA Risk 3 Business Performance 2 Macroeconomic Landscape 1 Appendix 8 GSM Decisions 4 Digital 6 Sustainability 5 BT Financial Group 7
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RON | MN 4,921.8 4,096.3 20.2% Net fee and commission income 1,051.6 937.7 12.1% Net trading income 682.5 469.4 45.4% Other net income 492.5 467.9 5.3% OPERATING INCOME 7,148.3 5,971.3 19.7% Personnel expenses (1,629.7) (1,444.5) 12.8% D&A (342.2) (317.9) 7.6% Other operating expenses (1,203.6) (966.2) 24.6% OPERATING EXPENSES (3,175.5) (2,728.6) 16.4% PRE-PROVISION OPERATING PROFIT 3,972.9 3,242.7 22.5% COST OF RISK (549.1) (86.4) NET PROFIT BEFORE TAXATION 3,423.8 3,156.3 Income tax expense (501.5) (447.5) 12.1% NET PROFIT AFTER TAXATION 2,922.3 2,708.9 7.9% 8.5% 32 ANNEX 1: INCOME STATEMENT, IFRS INDIVIDUAL >100% 1,658.9 1,535.2 1,421.8 4.1% 358.5 324.7 327.5 2.8% 267.4 183.9 97.5 -13.5% 122.9 86.0 168.2 130.8% 2,407.6 2,129.7 2,015.0 8.4% (521.5) (576.8) (479.9) 1.9% (119.9) (111.3) (105.7) -7.3% (392.8) (354.4) (344.6) 16.2% (1,034.2) (1,042.4) (930.1) 6.3% 1,373.4 1,087.3 1,084.9 10.1% (165.2) (244.6) (55.5) -15.7% 1,208.2 842.7 1,029.3 13.6% (188.1) (86.4) (130.6) 20.6% 1,020.1 756.3 898.7 12.3% 1,727.7 368.5 231.2 283.6 2,611.0 (531.4) (111.1) (456.4) (1,098.9) 1,512.1 (139.3) 1,372.8 (226.9) 1,145.9 Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital YTD-25 YTD-24 YoY Q3-25 Q1-25 Q3-24 QoQQ2-25 Net interest income
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ANNEX 1: BALANCE SHEET, IFRS INDIVIDUAL RON | MN SEP-25 Cash & cash equivalents 21,764.4 DEC-24 SEP-24 16,908.4 23,788.5 Placements with banks and public institutions 7,433.5 13,612.1 7,226.3 Loans to customers, net 99,182.2 81,390.0 78,154.1 T-bills & securities 65,962.5 64,717.1 59,713.8 Fixed assets 2,063.7 1,577.0 1,413.2 Right-of-use assets 500.8 769.2 679.9 Investments in subsidiaries 1,184.2 2,644.7 2,568.0 Current tax assets 0.0 0.0 Deferred tax assets 279.5 388.3 281.6 Other financial assets 2,444.1 2,013.1 2,451.8 Other non-financial assets 243.8 244.1 201.4 TOTAL ASSETS 201,058.7 184,263.9 Deposits from banks 683.6 1,173.8 405.5 176,478.7 Deposits customers 161,460.1 150,785.3 142,798.2 Loans from banks and FIs 14,960.5 11,209.5 12,277.7 Subordinated loan 2,501.0 2,405.1 2,457.1 Current tax liabilities 167.2 184.3 210.3 Deferred tax liabilities 0.0 0.0 Provisions for other risks and charges 574.1 500.1 541.7 Financial liabilities from leasing contracts 535.1 747.9 659.1 Other financial liabilities 3,306.7 2,818.2 3,042.8 Other non-financial liabilities 307.0 220.7 215.9 TOTAL LIABILITIES 184,495.3 170,044.8 162,608.3 Shareholders’ equity 16,563.4 14,219.1 13,870.4 TOTAL LIABILITIES AND EQUITY 201,058.7 184,263.9 176,478.7 33 ∆ YTD ∆ YOY 28.7% -8.5% -45.4% 2.9% 21.9% 26.9% 1.9% 10.5% 30.9% 46.0% -34.9% -26.3% -55.2% -53.9% 0.0 -28.0% -0.7% 21.4% -0.3% -0.1% 21.1% 9.1% 13.9% -41.8% 68.6% 7.1% 13.1% 33.5% 21.9% 4.0% 1.8% -9.3% -20.5% 0.0 14.8% 6.0% -28.4% -18.8% 17.3% 8.7% 39.1% 42.2% 8.5% 13.5% 16.5% 19.4% 9.1% 13.9% Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital
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34 ANNEX 2: INCOME STATEMENT, IFRS CONSOLIDATED RON | MN YTD-25 Net interest income 5,956.9 YTD-24 YOY 5,011.4 18.9% Net fee and commission income 1,220.5 1,089.5 12.0% Net trading income 880.5 646.6 36.2% Other net income 408.8 481.8 -15.2% OPERATING INCOME 8,466.7 7,229.3 17.1% Personnel expenses (2,012.3) (1,832.7) 9.8% D&A (414.5) (372.1) 11.4% Other operating expenses (1,543.0) (1,188.7) 29.8% OPERATING EXPENSES (3,969.9) (3,393.4) 17.0% PRE-PROVISION OPERATING PROFIT 4,496.8 3,835.9 17.2% COST OF RISK (614.3) (205.6) Bargain gain 0.0 807.4 NET PROFIT BEFORE TAXATION 3,882.5 4,437.7 -12.5% Income tax expense (615.2) (530.2) 16.0% >100% Q3-25 Q1-25 Q3-24 QOQ 2,042.8 1,961.5 1,887.0 4.6% 426.8 382.3 393.5 3.7% 351.6 244.6 168.8 23.7% 193.8 69.5 204.4 33.2% 3,015.0 2,657.9 2,653.7 7.9% (655.0) (722.1) (666.5) 3.1% (134.1) (136.7) (130.4) -6.6% (538.2) (496.5) (446.1) 5.9% (1,327.4) (1,355.3) (1,243.1) 3.1% 1,687.6 1,302.6 1,410.7 12.0% (133.8) (290.9) (150.7) -29.4% 0.0 0.0 674.3 1,553.8 1,011.7 1,934.3 18.0% (256.8) (134.7) (172.7) 14.7% NET PROFIT AFTER TAXATION 3,267.3 3,907.5 -16.4% 1,297.1 877.0 1,761.6 18.6% Q2-25 1,952.6 411.4 284.3 145.5 2,793.8 (635.3) (143.6) (508.3) (1,287.2) 1,506.6 (189.6) 0.0 1,317.0 (223.8) 1,093.2 Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital
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ANNEX 2: BALANCE SHEET, IFRS CONSOLIDATED 35Financial Results 9M YTD 2025 | 11th of November 2025 RON | MN SEP-25 Cash & cash equivalents 24,512.1 DEC-24 SEP-24 21,950.2 29,407.8 Placements with banks and public institutions 9,075.0 13,714.9 6,618.0 Loans to customers, net 104,213.7 96,369.9 94,156.8 T-bills & securities 68,580.8 68,410.3 63,058.6 Fixed assets 2,887.2 2,785.5 2,511.1 Right-of-use assets 527.9 586.6 493.9 Investments in associates 28.8 23.3 0.0 Current tax assets 0.0 0.0 Deferred tax assets 301.0 462.2 314.5 Other financial assets 2,634.2 2,327.4 2,770.9 Other non-financial assets 431.5 405.2 399.8 TOTAL ASSETS 213,192.3 207,035.5 Deposits from banks 658.6 951.2 713.6 199,731.3 Deposits customers 168,231.0 167,869.3 159,986.7 Loans from banks and FIs 15,882.4 12,237.7 13,313.3 Subordinated loan 2,630.8 2,530.5 2,463.9 Current tax liabilities 198.3 215.0 260.9 Deferred tax liabilities 0.0 0.0 Provisions for other risks and charges 652.4 827.4 771.1 Financial liabilities from leasing contracts 561.2 617.5 518.8 Other financial liabilities 4,502.7 4,037.3 4,187.2 Other non-financial liabilities 365.0 313.0 386.8 TOTAL LIABILITIES 193,682.4 189,598.9 182,602.3 SHAREHOLDERS’ EQUITY 18,686.2 16,617.5 16,337.0 Non-controlling interest 823.7 819.0 792.0 ∆ YTD ∆ YOY 11.7% -16.6% -33.8% 37.1% 8.1% 10.7% 0.2% 8.8% 3.7% 15.0% -10.0% 6.9% 23.4% 0.0 -34.9% -4.3% 13.2% -4.9% 6.5% 7.9% 3.0% 6.7% -30.8% -7.7% 0.2% 5.2% 29.8% 19.3% 4.0% 6.8% -7.8% -24.0% 0.0 -21.2% -15.4% -9.1% 8.2% 11.5% 7.5% 16.6% -5.6% 2.2% 6.1% 12.4% 14.4% 0.6% 4.0% TOTAL LIABILITIES AND EQUITY 213,192.3 207,035.5 199,731.3 3.0% 6.7% GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital
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36 BT Banca Transilvania NBR National Bank of Romania ECB European Central Bank NFCI Net Fees and Commission Income CAR Capital Adequacy Ratio RWA Risk Weighted Assets CET 1 Common Equity Tier 1 TSCR Total Supervisory Review and Evaluation Process Capital Requirement MREL Minimum Requirement for Own Funds and Eligible Liabilities OCR Overall capital Requirement LCR Liquidity Coverage Ratio NSFR Net Stable Funding Ratio EBA European Banking Authority NPE Non-performing exposure POCI Purchased or originated credit-impaired financial assets ECL Expected credit loss IFC International Finance Corporation AIIB Asian Infrastructure Investment Bank TLV Stock Exchange Symbol for Banca Transilvania SFF Sustainable Finance Framework AUM Assets under management FX Foreign Exchange RWA CR Risk Weighted Assets Credit Risk RWA OP Risk Weighted Assets Operation Risk RWA MR Risk Weighted Assets Market Risk RWA CVA Risk Weighted Assets Credit Valuation Adjustment STR Synthetic securitization COST OF RISK (COR) Impairment or reversal of impairment, including recoveries, divided by monthly average of total gross loans and advances to customers and financial lease receivable, annualized if necessary. Provisions for litigation risk were not included. NET INTEREST MARGIN (NIM) Net interest income for the period, less POCI adjustments, divided by average interest-bearing assets (cash and balances with central banks, placements with banks and public institutions, securities, gross loans and advances to customers and finance lease receivables), excluding any accrued interest, annualized if necessary. The average interest earning assets is determined based on the beginning and end of the year balances on consolidated basis and based on monthly balances on individual basis. RETURN ON EQUITY (ROE) Net profit for the period divided by average total equity including non- controlling interest, annualized and compounded if the case. Average equity is determined based on the beginning and end of the year balances on consolidated basis and based on monthly balances on individual basis. LOANS TO DEPOSITS (L/D) Gross loans, including finance lease receivables (on consolidated basis), to deposits COST TO INCOME RATIO (C/I RATIO) Operating expenses (personnel expenses, depreciation and amortization, other operating expenses) divided by operating income (net interest income, net fee and commission income, net trading income, deferred contribution to the Bank Deposit Guarantee Fund and to the Resolution Fund, other operating income, net loss /gain from financial assets measured at fair value through OCI and net loss /gain from financial assets which are required to be measured at FVTPL). NPL EBA (AQT-3.2) Determined based on EBA methodology and FINREP information (FIN 18) at the end of the period, on an individual basis. NPL COVERAGE RATIO Determined based on FINREP information (FIN 18) at the end of the period, as accumulated impairment divided by total loans and advances to customers, on an individual basis. DEFINITIONS AND ABREVIATIONS Financial Results 9M YTD 2025 | 11th of November 2025 GMS Decisions Macroeconomic Landscape Business Performance Risk Sustainability BT Financial Group AppendixDigital
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THANK YOU +40 264 407 150 +40 264 301 128 investor.relations@btrl.ro Calea Dorobantilor, Nr. 30- 36, Cluj-Napoca, Romania