Banca Transilvania, The main financier of the Romanian economy
Update: December 2020 Banca Transilvania, Romanian Successful Brand (data as 30 September 2020) 13.2%
1st bank in Romania 12.5% market share (assets): over 16%
over 3 million clients 9.8%
8.9% 8.1%
deposits: RON 83.9 billion 7.3%
6.3%
5.9% 5.5%
net loans: RON 41.9 billion 5.4%
4.7% 3.9%
BT net profit: RON 901.49 billion 2.9%
BT Financial Group net profit: RON 1,056.76 billion 04 05 06 07 08 09 10 11 12 13 14 15 16 The bank’s market value increased on an average by 49% per year
13,000
12,000 182% 2
11,000 133% 2 lei 129% 123%119% 10,000 96%
1
oane 71% i 9,000 54% 51% 48% 35% 39% 37% 40% 1 mil 8,000 18% 4% 6% 4%
0 7,000 OCT20 -19%-20%-14% -20% 6,000 -1 5,000 -50%
-1 4,000 3,000
Capitalizare bursieră 2,000 1,000 0 97 98 99 00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 From its listing until 2020, BT has raised over RON 5.6 billion from the stock
800 BT capital increase through: 700 695 Merger 620 600 Conversion 522 471 500 449 417 Cash 416 402 403
RONmillion 400 303 300 272 218 200 156 129 103 100 32 26 36 27 0 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 Superior yield for TLV shares in the last 10 years rescaled, 11/10=100 700
Euro Stoxx Banks 600 BET 500 TLV
400
300
200
100
0
04/11 08/11 11/17 03/18 11/10 01/12 06/12 10/12 03/13 08/13 12/13 05/14 10/14 02/15 07/15 11/15 04/16 09/16 01/17 06/17 08/18 01/19 05/19 10/19 03/20 07/20 TLV shares, among the few that have returned above 2007 highs TLV trend on Bucharest Stock Exchange 2007-2020
Price18/11/20 2.08 lei 2.5
No. shares 5738 m 2 Capitalization 11934 mil lei
1.5 YTD Trend -11.8%
YoY Trend -7.7% 1
Vs. maximum +84.2% 0.5 values 2007
Vs. minimum +1604.9% 2009 0 07 08 09 10 11 12 13 14 15 16 17 18 19 20 Banca Transilvania, Objectives and Development Plan 2020 New Strategic Objectives 2020
Qualitative objectives:
• Maintaining the Bank’s market share under the current conditions; • Focus on online and alternative services; • Maintaining a balanced approach and supportive to clients given the existing context; • Development of financial products to support customers after the end of the pandemic crisis; • Creating intelligent operating systems, innovation and process simplification; • Digitization of banking experience; • Continuous and interactive support provided to clients and employees; • Customer relationship optimization to give them the best experience with BT;
Quantitative objectives:
• Total assets: 0.6% increase; • Total loans, gross: 1.75% decrease; • Total deposits from customers: 0.2% increase; • Cost/Income ratio: 53.7%; • Loans/Deposit ratio: 54.4%. Development Plan 2020
Investment budget for 2020 (RON million): Buildings – agencies and branches 47,93 Investments IT and cards, of which: 182,80 Hardware IT 50,07 Software IT 114,11 Retail and cards, of which: 18,63 Hardware retail cards 8,80 Software retail cards 9,82 Security 10,39 Digital initiatives 17,61 Other 33,10 Total Investments RON million, VAT included 323,07 Banca Transilvania, Highlights Oct. - Dec. 2020 October 2020
Banca Transilvania simplifies the steps for the entrepreneurs who apply for the grants program
• The BT account can be opened 100% online by companies and PFAs that are not BT customers and have only one associate (shareholder);
• All transactions in/from the BT grant account are free of charge
Banca Transilvania is ready to distribute grants from European funds intended to support the entrepreneurs and to ensure the rapid development of the program.
Detalii: BT Newsroom November 2020
BT’s Financial Results as of September 30, 2020, Banca Transilvania, ready to Support the Recovery of the Economy
• BT’s loan balance grew by RON 1.1 bn. during the third quarter, reaching RON 40.1 bln.
• The Bank has granted more than 7,000 financing facilities via the government program IMM Invest, counting now over 18,000 SME clients with loans.
• The retail business line added 30,900 loans in Q3, of which 2,600 real-estate loans, counting now more than 750,000 credited retail clients.
• As always, the Bank focused on supporting retail, SME and mid-corporate clients, enforcing the economy’s baseline and an appropriate credit risk dispersion.
Detalii: BT Newsroom November 2020
BT’s Financial Results as of September 30, 2020, Banca Transilvania, ready to Support the Recovery of the Economy
”Although trends are less than favorable due to the pandemic, we remain optimistic and confident in the forthcoming recovery of the economy. We aim at increasing the lending granted by BT, in the most responsible and efficient way, supporting the economy and the bank’s growth. The current context, which has undoubtedly affected the whole world and possibly some developed economies to a larger extent, also brings new opportunities for Romania, an important advantage for us because nobody knows the market better as a Romanian bank” - said Mr. Ömer Tetik, CEO of Banca Transilvania.
Detalii: BT Newsroom December 2020
BT Pay contributes to the creation of new behaviors: shopping, transfers and donations via phone
• The number of payments via phone tripled in 2020 compared to 2019, reaching 4 million purchases/month realized by phone.
• More money transfers are performed via the application: their number has quadrupled in 2020 compared to 2019, reaching 1.3 million/month at the end of the year.
• Over 100,000 cards were first used in digital format, via BT Pay, before those customers got their physical card. Customers can open an online account and add the digital card to the application before receiving it physically.
Detalii: BT Newsroom The information in this presentation is continuously supplemented with BT news: events, results, prizes, good news.
About what the Banca Transilvania does, the bank of the entrepreneurial people, the first bank in Romania that was listed on the Bucharest Stock Exchange.
Further information: BT Newsroom Banca Transilvania – Headquarter Str. G. Baritiu 8, Cluj-Napoca, Romania
+ 40 264 407 150 + 40 264 407 179 /FAX
www.bancatransilvania.ro/en/investor-relations www.bancatransilvania.ro
twitter.com/b_Transilvania # linkedin.com/company/banca-transilvania