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	Aug '26 Aug 11, 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	46,121	32,928	25,121	19,329	14,063	16,241
Market Cap Growth	45.04%	31.08%	29.97%	37.45%	-13.41%	26.88%
Last Close Price	37.08	25.52	17.77	13.38	9.24	10.14
PE Ratio	9.79	7.35	5.52	6.69	5.85	8.19
PS Ratio	4.07	3.01	2.65	2.61	2.39	3.50
PB Ratio	1.92	1.41	1.44	1.39	1.49	1.54
Debt / Equity Ratio	0.85	0.89	0.90	0.91	0.75	0.97
Net Debt / Equity Ratio	0.20	-0.16	-0.29	-0.45	-0.50	-0.42
Net Debt / FCF Ratio	-0.23	0.56	0.25	0.54	0.30	0.79
Return on Equity (ROE)	23.17%	22.88%	30.20%	25.54%	24.84%	19.30%
Return on Assets (ROA)	2.27%	2.16%	2.51%	1.93%	1.82%	1.69%
Earnings Yield	10.23%	13.60%	18.13%	14.95%	17.10%	12.21%
FCF Yield	-46.06%	-20.93%	-79.70%	-59.86%	-110.89%	-34.83%
Dividend Yield	4.54%	6.59%	7.17%	5.99%	6.93%	6.33%
Payout Ratio	44.71%	47.11%	20.55%	31.08%	33.34%	25.04%
Buyback Yield / Dilution	-0.03%	0.02%	-0.06%	0.01%	0.02%	0.02%
Total Shareholder Return	4.46%	6.61%	7.11%	6.00%	6.96%	6.35%