Banca Transilvania Income Statement

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

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	12,153	10,692	8,433	5,770	3,571
Interest Income on Investments	615.06	551.02	408.2	262.15	125.16
Total Interest Income	12,768	11,243	8,841	6,032	3,696
Interest Paid on Deposits	4,686	4,323	3,579	1,603	552.28
Interest Paid on Borrowings	15.68	12.18	4.99	2.17	1.35
Total Interest Expense	4,702	4,336	3,584	1,605	553.63
Net Interest Income	8,066	6,908	5,257	4,427	3,142
Net Interest Income Growth (YoY)	16.76%	31.41%	18.75%	40.88%	5.54%
Income From Trading Activities	1,227	938.29	657.02	686.07	528.68
Gain (Loss) on Sale of Investments	315.07	325.94	311.11	-131.05	217.43
Other Non-Interest Income	2,167	1,980	1,594	1,452	1,136
Total Non-Interest Income	3,709	3,244	2,562	2,007	1,882
Non-Interest Income Growth (YoY)	14.34%	26.63%	27.65%	6.65%	15.21%
Revenues Before Loan Losses	11,775	10,152	7,819	6,434	5,024
Provision for Loan Losses	819.96	657.1	420.72	553.16	385.84
Revenue	10,955	9,495	7,398	5,880	4,638
Revenue Growth (YoY)	15.38%	28.35%	25.80%	26.78%	24.02%
Salaries and Employee Benefits	2,703	2,478	1,903	1,564	1,206
Occupancy Expenses	558.38	516.7	450.55	393	357.83
Federal Deposit Insurance	114.47	90.64	93.65	153.68	90
Selling, General & Administrative	-	573.4	393.11	366.79	319.79
Other Non-Interest Expense	2,191	1,310	752.02	626.09	485.55
Total Non-Interest Expense	5,567	4,969	3,592	3,103	2,459
EBT Excluding Unusual Items	5,388	4,526	3,806	2,777	2,179
Asset Writedown	-	-1.6	-2.29	-16.36	-1.26
Legal Settlements	-	102.5	-97.39	40.18	117.71
Other Unusual Items	121.39	815.67	-	-	7.38
Pretax Income	5,510	5,442	3,706	2,801	2,303
Income Tax Expense	848.9	711.85	721.73	312.64	278.27
Earnings From Continuing Operations	4,661	4,731	2,984	2,488	2,025
Minority Interest in Earnings	-	-175.69	-94.51	-84.04	-41.2
Net Income	4,661	4,555	2,890	2,404	1,983
Net Income to Common	4,661	4,555	2,890	2,404	1,983
Net Income Growth	2.33%	57.62%	20.19%	21.23%	43.70%
Basic Shares Outstanding	-	1,089	1,089	1,089	1,089
Diluted Shares Outstanding	-	1,089	1,089	1,089	1,089
Shares Change (YoY)	-	0.04%	-0.01%	-0.02%	-0.02%
EPS (Basic)	-	4.18	2.65	2.21	1.82
EPS (Diluted)	-	4.18	2.65	2.21	1.82
EPS Growth	-	57.56%	20.20%	21.26%	43.69%
Dividend Per Share	-	1.458	0.917	0.733	0.734
Dividend Growth	-	58.94%	25.05%	-0.08%	76.06%
Effective Tax Rate	15.41%	13.08%	19.48%	11.16%	12.08%

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