BT grows to the size of a regional champion
Thus, the Group’s net profit for the first quarter was 1.14 billion lei, up 30.11% from the same period last year (Q1 2026 vs. Q1 2025). Banca Transilvania accounted for 83.1% of the BT Group’s total profit. Assets reached 227 billion lei, a scale that allows the BT Group to support major projects in the economy.
BT Group's gross loans and receivables from financial leasing contracts reached RON 115.9 billion amid increased demand for financing from companies and the population.
The gross loans-to-deposits ratio stands at 65.91% as of the third quarter, up 1.2 percentage points from the end of last year.
Transilvania Bank Performance
BT reported a net profit of 950.2 million lei in the first quarter, up 25.61% compared to Q1 2025. The increase in profit was driven by strong operating revenue growth and the continued low cost of risk.
The bank's assets reached 212.9 billion lei, an increase of 1.21% compared to December 31, 2025. This trend reflects the bank's ability to support the economy even during difficult times.
Positive dynamics of business activity
Customer deposits showed a positive trend, reaching 169.5 billion lei as of March 31, 2026, up 0.41% from the end of 2025.
3.5 billion lei is the value of loans granted to individuals in Q1 2026 to support their access to loans for housing and other personal projects. Approximately 64.2 billion lei is the outstanding balance of gross loans granted to businesses, up 2.51% quarter-on-quarter compared to December 31, 2025.
Financing, capital & risk
The gross loans-to-deposits ratio stands at 63.51% as of the third quarter, up by approximately 1 percentage point from the end of last year.
The non-performing loan ratio (according to the EBA) stands at 2.551%, a level that reflects the quality of the portfolio and the bank’s prudent risk policies.
The solvency ratio stands at 20.65%, confirming BT’s strong capital position and its ability to support growth in lending and strategic investments.
The cost of risk remains low at 0.71%, supported by the quality of the portfolio and prudent risk policies.
The growth in Banca Transilvania’s operating activity is reflected in its key revenue indicators and confirms the diversification of its revenue sources and the efficiency of its business model: net interest income is up 8.71% quarter-on-quarter compared to Q1 2025, and net fee and commission income is up 12.91% YoY compared to Q1 2025.
The bank's operational efficiency ratio reached 48.121% in Q1 2026, including the impact of the turnover tax. The return on equity (ROE) was 19.541% in Q1 2026.
The bank is approaching the threshold of 5 million active customers. In the first three months of the year, BT continued to attract new customers at a sustained pace, with nearly 140,000 people and companies becoming clients of the bank.
The first quarter results indicate a positive start to the year for Banca Transilvania, despite the volatile economic context. BT will continue to simplify how customers manage their money and launch solutions for saving, lending, and investing.

