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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 15, 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
Market Capitalization	42,155	32,928	25,121	19,329	14,063	16,241
Market Cap Growth	61.01%	31.08%	29.97%	37.45%	-13.41%	26.88%
Last Close Price	38.78	30.20	21.02	15.83	10.94	12.00
PE Ratio	9.43	7.35	5.52	6.69	5.85	8.19
PS Ratio	3.85	3.01	2.65	2.61	2.39	3.50
PB Ratio	1.81	1.41	1.44	1.39	1.49	1.54
Debt / Equity Ratio	0.89	0.89	0.90	0.91	0.75	0.97
Net Debt / Equity Ratio	-0.16	-0.16	-0.29	-0.45	-0.50	-0.42
Net Debt / FCF Ratio	0.56	0.56	0.25	0.54	0.30	0.79
Return on Equity (ROE)	22.88%	22.88%	30.20%	25.54%	24.84%	19.30%
Return on Assets (ROA)	2.16%	2.16%	2.51%	1.93%	1.82%	1.69%
Earnings Yield	10.62%	13.60%	18.13%	14.95%	17.10%	12.21%
FCF Yield	-16.35%	-20.93%	-79.70%	-59.86%	-110.89%	-34.83%
Dividend Yield	5.00%	6.38%	6.93%	5.79%	6.71%	6.12%
Payout Ratio	47.11%	47.11%	20.55%	31.08%	33.34%	25.04%
Buyback Yield / Dilution	0.02%	0.02%	-0.06%	0.01%	0.02%	0.02%
Total Shareholder Return	5.01%	6.39%	6.87%	5.81%	6.73%	6.14%

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