Banca Transilvania S.A. (BVB:TLV)

Banca Transilvania Income Statement

Financials in millions RON. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	11,628	10,692	8,433	5,770	3,571	3,495
Interest Income on Investments	606.41	551.02	408.2	262.15	125.16	165.21
Total Interest Income	12,234	11,243	8,841	6,032	3,696	3,660
Interest Paid on Deposits	4,522	4,323	3,579	1,603	552.28	681.98
Interest Paid on Borrowings	14.29	12.18	4.99	2.17	1.35	1.35
Total Interest Expense	4,537	4,336	3,584	1,605	553.63	683.33
Net Interest Income	7,697	6,908	5,257	4,427	3,142	2,977
Net Interest Income Growth (YoY)	31.52%	31.41%	18.75%	40.88%	5.54%	-3.14%
Income From Trading Activities	989.43	938.29	657.02	686.07	528.68	345.12
Gain (Loss) on Sale of Investments	270.37	325.94	311.11	-131.05	217.43	374.78
Other Non-Interest Income	2,094	1,980	1,594	1,452	1,136	913.62
Total Non-Interest Income	3,324	3,244	2,562	2,007	1,882	1,634
Non-Interest Income Growth (YoY)	16.25%	26.63%	27.65%	6.65%	15.21%	-0.65%
Revenues Before Loan Losses	11,022	10,152	7,819	6,434	5,024	4,611
Provision for Loan Losses	1,088	657.1	420.72	553.16	385.84	870.78
Revenue	9,934	9,495	7,398	5,880	4,638	3,740
Revenue Growth (YoY)	19.83%	28.35%	25.80%	26.78%	24.02%	-15.47%
Salaries and Employee Benefits	2,637	2,478	1,903	1,564	1,206	1,037
Occupancy Expenses	555.44	516.7	450.55	393	357.83	327.72
Federal Deposit Insurance	113.92	90.64	93.65	153.68	90	74.45
Selling, General & Administrative	682.96	573.4	393.11	366.79	319.79	233.57
Other Non-Interest Expense	1,463	1,310	752.02	626.09	485.55	446.94
Total Non-Interest Expense	5,452	4,969	3,592	3,103	2,459	2,120
EBT Excluding Unusual Items	4,481	4,526	3,806	2,777	2,179	1,620
Asset Writedown	-1.18	-1.6	-2.29	-16.36	-1.26	-6.84
Legal Settlements	104.81	102.5	-97.39	40.18	117.71	9.04
Other Unusual Items	682.51	815.67	-	-	7.38	-
Pretax Income	5,268	5,442	3,706	2,801	2,303	1,622
Income Tax Expense	712.78	711.85	721.73	312.64	278.27	198.35
Earnings From Continuing Operations	4,555	4,731	2,984	2,488	2,025	1,424
Minority Interest in Earnings	-96.12	-175.69	-94.51	-84.04	-41.2	-43.93
Net Income	4,459	4,555	2,890	2,404	1,983	1,380
Net Income to Common	4,459	4,555	2,890	2,404	1,983	1,380
Net Income Growth	30.86%	57.62%	20.19%	21.23%	43.70%	-22.52%
Basic Shares Outstanding	1,089	1,089	1,089	1,089	1,089	1,088
Diluted Shares Outstanding	1,089	1,089	1,089	1,089	1,089	1,089
Shares Change (YoY)	-0.04%	0.04%	-0.01%	-0.02%	-0.02%	-0.24%
EPS (Basic)	4.09	4.18	2.65	2.21	1.82	1.27
EPS (Diluted)	4.09	4.18	2.65	2.21	1.82	1.27
EPS Growth	30.91%	57.56%	20.20%	21.26%	43.69%	-22.44%
Dividend Per Share	1.458	1.458	0.917	0.733	0.734	0.417
Dividend Growth	58.94%	58.94%	25.05%	-0.08%	76.06%	-24.24%
Effective Tax Rate	13.53%	13.08%	19.48%	11.16%	12.08%	12.23%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.