Banca Transilvania Ratios and Metrics

Market cap in millions RON. Fiscal year is January - December.

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 23, 2026	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
Market Capitalization	39,775	25,121	19,329	14,063	16,241	12,800
Market Cap Growth	56.31%	29.97%	37.45%	-13.41%	26.88%	-4.75%
Last Close Price	36.48	21.02	15.83	10.94	12.00	9.23
PE Ratio	9.95	5.52	6.69	5.85	8.19	9.27
PS Ratio	3.85	2.65	2.61	2.39	3.50	3.42
PB Ratio	2.04	1.44	1.39	1.49	1.54	1.23
Debt / Equity Ratio	0.99	0.90	0.91	0.75	0.97	0.37
Net Debt / Equity Ratio	0.13	-0.35	-0.45	-0.38	-0.42	-0.65
Net Debt / FCF Ratio	-0.39	0.31	0.54	0.23	0.79	9.25
Return on Equity (ROE)	22.33%	30.20%	25.54%	24.84%	19.30%	14.51%
Return on Assets (ROA)	1.98%	2.51%	1.93%	1.82%	1.69%	1.43%
Earnings Yield	10.03%	18.13%	14.95%	17.10%	12.21%	10.78%
FCF Yield	-16.25%	-79.70%	-59.86%	-110.89%	-34.83%	-5.74%
Dividend Yield	3.52%	6.93%	5.79%	6.71%	6.12%	4.52%
Payout Ratio	36.80%	20.55%	31.08%	33.34%	25.04%	43.19%
Buyback Yield / Dilution	0.04%	-0.04%	0.01%	0.02%	0.02%	0.24%
Total Shareholder Return	3.56%	6.89%	5.81%	6.73%	6.14%	4.76%

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