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Banca Transilvania

BT's costs (as % of assets) remain unchanged yoy at % in 4Q2020

By Helgi Library - March 24, 2021

Banca Transilvania's cost to income ratio reached 59.3% in the second quarter of 2018, down from when compared to the previous ...

BT's net profit rose 65.7% yoy to RON 454 mil in 4Q2020

By Helgi Library - March 24, 2021

Banca Transilvania made a net profit of RON 454 mil under revenues of RON 1,393 mil in the fourth quarter of 2020, up 65.7% and ...

BT's capital adequacy ratio rose 4.58% yoy to 21.0% in 4Q2020

By Helgi Library - March 24, 2021

Banca Transilvania's capital adequacy ratio reached 21.0% at the end of fourth quarter of 2020, A PHP Error was encountered Severity:...

Profit Statement
Balance Sheet
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Valuation

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income statement Unit May 2024 Dec 2020
growth rates    
Net Interest Income Growth % ...  
ratios Unit May 2024 Dec 2020
     
ROTE % ...  
Return on Loans %   ...
Costs (As % Of Loans) %   ...

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BT's employees remain unchanged yoy at in 3Q2020

By Helgi Library - March 24, 2021

Banca Transilvania employed 10,166 persons in 2018-06-30, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 10,166 persons in 2018-06-30 and an all time low of 7,488 in 2016-06-30. Average cost reached USD 2,400...

BT's net interest margin rose 170% yoy to 3.09% in 4Q2020

By Helgi Library - March 24, 2021

Banca Transilvania's net interest margin amounted to 3.09% in the fourth quarter of 2020, up from 2.91% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 8.04% in 4Q2015 and an all time low of ...

BT's net interest income rose 215% yoy to RON 802 mil in 4Q2020

By Helgi Library - March 24, 2021

Banca Transilvania generated total banking revenues of RON 1,393 mil in the fourth quarter of 2020, up 76.8% when compared to the same period of last year and 10.8% when compared to the previous quarter. Historically, the bank’s revenues containing of interes...

BT's corporate loans remain unchanged yoy at RON 18,570 mil in 3Q2020

By Helgi Library - March 24, 2021

Banca Transilvania's loans reached RON 43,847 mil in the third quarter of 2020, up from RON 42,712 mil when compared to the previous quarter and down from when compared to the same period of last year. Historically, the bank’s loans reached an all ...

BT's equity (as % of assets) fell 3.15% yoy to 9.73% in 4Q2020

By Helgi Library - March 24, 2021

Banca Transilvania's Equity reached 9.73% of total assets in the 4Q2020, down from 10.0% for the previous year. As a share of net customer loans, the ratio amounted to 24.8% at the end of the fourth quarter of 2020. ...

BT's customer loan growth rose 18.1% yoy to 7.63% in 4Q2020

By Helgi Library - March 24, 2021

Banca Transilvania's customer loan growth reached 7.63% in 2020-12-31, up from 6.47% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 104% in 2019-06-30 and an all time low of -35.9% in 2018-06-30. In the la...

BT's customer loans rose 10.3% yoy to RON 29,464 mil in 2017

By Helgi Library - March 24, 2021

Banca Transilvania's customer loans reached RON 29,464 mil in 2017, up 10.3% compared to the previous year. Romanian banking sector provided customer loans of RON 233 bil in 2017, up 5.70% when compared to the last year. Banca Transilvania accounted for 1...

BT's customer deposits rose 17.0% yoy to RON 49,060 mil in 2017

By Helgi Library - March 24, 2021

Banca Transilvania's customer deposits reached RON 49,060 mil in 2017, up 17.0% compared to the previous year. Romanian banking sector accepted customer deposits of RON 303 bil in 2017, up 10.4% when compared to the last year. Banca Transilvania accounted...

BT's net profit fell 19.7% yoy to RON 1,481 mil in 2020

By Helgi Library - March 24, 2021

Banca Transilvania made a net profit of RON 1,481 mil under revenues of RON 4,993 mil in 2020, up -19.7% and -1.21% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of RON 2,446 mil in 2015 and an all time low of ...

BT's net profit fell 19.7% yoy to RON 1,481 mil in 2020

By Helgi Library - March 24, 2021

Banca Transilvania made a net profit of RON 1,481 mil in 2020, down 19.7% compared to the previous year. This implies a return on equity of 15.0%. Historically, the bank’s net profit reached an all time high of RON 2,446 mil in 2015 and an all time low of R...

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Banca Transilvania SA is a Romanian-based bank. The bank offers financial services both for corporate and individual customers. Its main financial activities are divided into seven segments: Corporate Client, Small & Medium-sized Client (SME), Individual Client, Healthcare, Treasury, Leasing and Loans and Other. The Bank offers a wide range of products and services such as lending services, financial consulting and planning, financial advisory, financial products and services such as loans, mortgages, card services, transfer of money, tax assistance or treasury activities. At the end of 2013, the Bank had 542 branches and 6,042 employees throughout Romania. Banca Transilvania S.A. was incorporated in 1993 and is headquartered in Cluj-Napoca, Romania

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Finance

Banca Transilvania has been growing its revenues and asset by 12.1% and 17.3% a year on average in the last 10 years. Its loans and deposits have grown by 13.2% and 17.8% a year during that time and loans to deposits ratio reached 46.4% at the end of 2020. The company achieved an average return on equity of 19.2% in the last decade with net profit growing 27.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 42.4% in 2020, compared to 47.2% average in the last decade.

Equity represented 9.73% of total assets or 24.8% of loans at the end of 2020. Banca Transilvania's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2020.

Valuation

Banca Transilvania stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 17.2% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 8.09x and price to book value (PBV) of 1.14x in 2020.