Banca Transilvania Income Statement

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

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	12,649	12,153	10,692	8,433	5,770	3,571
Interest Income on Investments	607.79	615.06	551.02	408.2	262.15	125.16
Total Interest Income	13,257	12,768	11,243	8,841	6,032	3,696
Interest Paid on Deposits	4,926	4,686	4,323	3,579	1,603	552.28
Interest Paid on Borrowings	17.11	15.68	12.18	4.99	2.17	1.35
Total Interest Expense	4,943	4,702	4,336	3,584	1,605	553.63
Net Interest Income	8,314	8,066	6,908	5,257	4,427	3,142
Net Interest Income Growth	8.01%	16.76%	31.41%	18.75%	40.88%	5.54%
Income From Trading Activities	1,359	1,227	938.29	657.02	686.07	528.68
Gain (Loss) on Sale of Investments	444.32	315.07	325.94	311.11	-131.05	217.43
Other Non-Interest Income	2,491	2,167	1,980	1,594	1,452	1,136
Total Non-Interest Income	4,294	3,709	3,244	2,562	2,007	1,882
Non-Interest Income Growth	27.91%	14.34%	26.63%	27.65%	6.65%	15.21%
Revenues Before Loan Losses	12,608	11,775	10,152	7,819	6,434	5,024
Provision for Loan Losses	857.54	819.96	657.1	420.72	553.16	385.84
Revenue	11,750	10,955	9,495	7,398	5,880	4,638
Revenue Growth	17.90%	15.38%	28.35%	25.80%	26.78%	24.02%
Salaries and Employee Benefits	2,672	2,561	2,478	1,903	1,564	1,206
Occupancy Expenses	560.76	558.38	516.7	450.55	393	357.83
Federal Deposit Insurance	9.75	114.47	90.64	93.65	153.68	90
Selling, General & Administrative	712.29	693.1	573.4	393.11	366.79	319.79
Other Non-Interest Expense	1,717	1,584	1,291	752.02	626.09	485.55
Total Non-Interest Expense	5,673	5,511	4,950	3,592	3,103	2,459
EBT Excluding Unusual Items	6,077	5,444	4,545	3,806	2,777	2,179
Asset Writedown	-11.68	-42.3	-1.6	-2.29	-16.36	-1.26
Legal Settlements	-16.53	-13.82	83.48	-97.39	40.18	117.71
Other Unusual Items	121.39	121.39	815.67	-	-	7.38
Pretax Income	6,171	5,510	5,442	3,706	2,801	2,303
Income Tax Expense	982.82	848.9	711.85	721.73	312.64	278.27
Earnings From Continuing Operations	5,188	4,661	4,731	2,984	2,488	2,025
Minority Interest in Earnings	-238.22	-181.85	-175.69	-94.51	-84.04	-41.2
Net Income	4,950	4,479	4,555	2,890	2,404	1,983
Net Income to Common	4,950	4,479	4,555	2,890	2,404	1,983
Net Income Growth	11.01%	-1.67%	57.62%	20.19%	21.23%	43.70%
Basic Shares Outstanding	1,247	1,246	1,247	1,246	1,246	1,246
Diluted Shares Outstanding	1,247	1,246	1,247	1,246	1,246	1,246
Shares Change	0.01%	-0.02%	0.06%	-0.01%	-0.02%	-0.02%
EPS (Basic)	3.97	3.59	3.65	2.32	1.93	1.59
EPS (Diluted)	3.97	3.59	3.65	2.32	1.93	1.59
EPS Growth	11.00%	-1.65%	57.53%	20.21%	21.25%	43.69%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	1.122	1.683	1.274	0.802	0.641	0.641
Dividend Growth	-38.84%	32.15%	58.91%	25.05%	-0.05%	76.04%
Effective Tax Rate	15.93%	15.41%	13.08%	19.48%	11.16%	12.08%