Banca Transilvania Income Statement

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

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	11,885	10,692	8,433	5,770	3,571	3,495
Interest Income on Investments	590.7	551.02	408.2	262.15	125.16	165.21
Total Interest Income	12,476	11,243	8,841	6,032	3,696	3,660
Interest Paid on Deposits	4,608	4,323	3,579	1,603	552.28	681.98
Interest Paid on Borrowings	15.02	12.18	4.99	2.17	1.35	1.35
Total Interest Expense	4,623	4,336	3,584	1,605	553.63	683.33
Net Interest Income	7,853	6,908	5,257	4,427	3,142	2,977
Net Interest Income Growth (YoY)	21.29%	31.41%	18.75%	40.88%	5.54%	-3.14%
Income From Trading Activities	1,172	938.29	657.02	686.07	528.68	345.12
Gain (Loss) on Sale of Investments	254.96	325.94	311.11	-131.05	217.43	374.78
Other Non-Interest Income	2,132	1,980	1,594	1,452	1,136	913.62
Total Non-Interest Income	3,530	3,244	2,562	2,007	1,882	1,634
Non-Interest Income Growth (YoY)	20.05%	26.63%	27.65%	6.65%	15.21%	-0.65%
Revenues Before Loan Losses	11,383	10,152	7,819	6,434	5,024	4,611
Provision for Loan Losses	1,060	657.1	420.72	553.16	385.84	870.78
Revenue	10,323	9,495	7,398	5,880	4,638	3,740
Revenue Growth (YoY)	14.61%	28.35%	25.80%	26.78%	24.02%	-15.47%
Salaries and Employee Benefits	2,629	2,478	1,903	1,564	1,206	1,037
Occupancy Expenses	559.17	516.7	450.55	393	357.83	327.72
Federal Deposit Insurance	114.16	90.64	93.65	153.68	90	74.45
Selling, General & Administrative	695.8	573.4	393.11	366.79	319.79	233.57
Other Non-Interest Expense	1,537	1,310	752.02	626.09	485.55	446.94
Total Non-Interest Expense	5,535	4,969	3,592	3,103	2,459	2,120
EBT Excluding Unusual Items	4,787	4,526	3,806	2,777	2,179	1,620
Asset Writedown	-1.45	-1.6	-2.29	-16.36	-1.26	-6.84
Legal Settlements	92.9	102.5	-97.39	40.18	117.71	9.04
Other Unusual Items	8.24	815.67	-	-	7.38	-
Pretax Income	4,887	5,442	3,706	2,801	2,303	1,622
Income Tax Expense	796.88	711.85	721.73	312.64	278.27	198.35
Earnings From Continuing Operations	4,090	4,731	2,984	2,488	2,025	1,424
Minority Interest in Earnings	-99.59	-175.69	-94.51	-84.04	-41.2	-43.93
Net Income	3,991	4,555	2,890	2,404	1,983	1,380
Net Income to Common	3,991	4,555	2,890	2,404	1,983	1,380
Net Income Growth	-9.92%	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)	3.66	4.18	2.65	2.21	1.82	1.27
EPS (Diluted)	3.66	4.18	2.65	2.21	1.82	1.27
EPS Growth	-9.88%	57.56%	20.20%	21.26%	43.69%	-22.44%
Dividend Per Share	2.100	1.458	0.917	0.733	0.734	0.417
Dividend Growth	128.94%	58.94%	25.05%	-0.08%	76.06%	-24.24%
Effective Tax Rate	16.30%	13.08%	19.48%	11.16%	12.08%	12.23%

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