Banca Transilvania Balance Sheet

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
Cash & Equivalents	11,851	17,273	16,146	7,962	12,443	7,241
Investment Securities	69,243	68,391	50,483	48,674	45,448	35,791
Trading Asset Securities	2,122	2,032	1,703	539.81	419.38	368.56
Total Investments	71,365	70,423	52,186	49,214	45,868	36,160
Gross Loans	112,301	103,367	81,353	73,198	60,448	45,924
Allowance for Loan Losses	-6,610	-5,606	-4,850	-4,516	-3,936	-3,498
Other Adjustments to Gross Loans	-698.75	-725.97	-494.07	-270.05	-121.13	-111.22
Net Loans	104,993	97,035	76,010	68,412	56,391	42,314
Property, Plant & Equipment	2,165	1,969	1,706	1,643	1,555	1,351
Goodwill	156.97	156.92	154.36	154.36	22.42	16.32
Other Intangible Assets	1,093	973.22	693.67	506.24	406.24	305.21
Investments in Real Estate	-	272.71	86.78	19.81	0.93	2.05
Other Receivables	597.91	683.49	443.19	451.73	519.57	450.53
Restricted Cash	19,007	16,501	19,985	10,137	14,632	19,289
Other Current Assets	1,483	1,117	1,253	1,160	365.37	325.95
Long-Term Deferred Tax Assets	301.04	462.24	354.48	791.61	257.89	-
Other Long-Term Assets	178.95	168.35	150.94	58.14	39.9	36.87
Total Assets	213,192	207,035	169,169	140,511	132,501	107,492
Accrued Expenses	286.3	241.5	122.43	91.11	61.3	55.55
Interest Bearing Deposits	88,046	86,025	67,637	53,151	40,311	36,856
Non-Interest Bearing Deposits	80,843	82,795	71,450	68,259	68,735	54,406
Total Deposits	168,890	168,820	139,088	121,410	109,046	91,261
Short-Term Borrowings	2,662	436.55	452.06	1,860	6,540	118.38
Current Portion of Leases	-	171.41	141.54	130.85	132.54	116.74
Current Income Taxes Payable	198.32	215.04	103.88	-	68.36	-
Other Current Liabilities	42.8	35.09	30.95	26.64	26.57	23.19
Long-Term Debt	16,080	14,567	11,609	4,771	3,191	3,276
Long-Term Leases	561.23	446.09	391.82	362.11	366.06	338.05
Pension & Post-Retirement Benefits	94.78	232.77	92.96	58.67	54.24	36.92
Long-Term Deferred Tax Liabilities	-	-	-	-	-	55.02
Other Long-Term Liabilities	4,867	4,433	3,241	2,329	2,451	1,797
Total Liabilities	193,682	189,599	155,273	131,039	121,937	97,078
Common Stock	10,990	9,169	7,987	7,077	6,311	5,738
Additional Paid-In Capital	28.11	32.03	31.24	31.24	31.24	31.24
Retained Earnings	8,805	8,985	6,592	5,447	4,602	3,618
Treasury Stock	-26.51	-39.53	-28.27	-64.75	-15.29	-15.29
Comprehensive Income & Other	-1,110	-1,529	-1,358	-3,572	-836.9	649.46
Total Common Equity	18,686	16,618	13,224	8,919	10,092	10,021
Minority Interest	823.66	819.03	672.52	552.67	471.85	393.06
Shareholders' Equity	19,510	17,437	13,897	9,472	10,564	10,414
Total Liabilities & Equity	213,192	207,035	169,169	140,511	132,501	107,492
Total Debt	19,303	15,621	12,594	7,124	10,230	3,849
Net Cash (Debt)	-2,498	6,160	6,223	3,618	4,484	6,795
Net Cash Growth	-	-1.02%	71.99%	-19.31%	-34.01%	-11.42%
Net Cash Per Share	-2.29	5.65	5.72	3.32	4.12	6.24
Filing Date Shares Outstanding	1,089	1,090	1,090	1,089	1,088	1,087
Total Common Shares Outstanding	1,089	1,090	1,090	1,089	1,088	1,087
Book Value Per Share	17.16	15.25	12.13	8.19	9.28	9.22
Tangible Book Value	17,436	15,487	12,376	8,258	9,664	9,700
Tangible Book Value Per Share	16.01	14.21	11.35	7.58	8.88	8.92

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