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Banca Transilvania Highlights

Banca Transilvania Highlights. Macro picture: a positive economic environment. * NBR estimates. Macro picture: a positive economic environment. one digit inflation rate starting with 2004 (forecast of 4% for 2007)

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Banca Transilvania Highlights

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  1. Banca Transilvania Highlights

  2. Macro picture: a positive economic environment * NBR estimates

  3. Macro picture: a positive economic environment • one digit inflation rate starting with 2004 (forecast of 4% for 2007) • continuous increase of GDP (4.7% in 2005 and 7.4 during the first half of 2006, forecast for 2007 is at 5.2% in real terms), the increase drivers being the industry (6.5%), constructions (16.5%) and services (7.2 %), whose aggregated contribution stands at 83.4%. • significant investment plans for the economic circuit, new manufacturing capacities plus new important public investment projects

  4. Banking Sector in Romania

  5. Banking Sector in Romania (2006) • Features: • 37 banks (of which 6 foreign bank branches) • 61% of banking assets held by top five banks • Solvency ratio: 17.9%

  6. Cluj-Napoca • Ranked on the 3rd place in Romania • One of the most important academic, cultural and industrial centers in the country of Cluj, heart of the historic province of Transylvania • 450,000 residents + 100,000 students • 9 universities with several specializations

  7. Cluj economy • Strong private sector (90%) • Large companies and SMEs • Significant GDP dynamic (31%) • Main sectors: • banking (BT’s headquarters); • pharmaceutics (Terapia –largest exporter); • industry (heavy industry, textiles, constructions, transport, food, brew etc.); • trade, tourism (international airport)

  8. Banca Transilvania: 2002 vs 2006

  9. Management team Organizational structure Corporate identity NEW

  10. BT- December2002 vs December 2006 • Total assets: EUR 244 mill. • Shareholders’ equity (tier 1): EUR 44 mill. • Total loans: EUR 106 mill. • Total deposits: EUR 180 mill. • Market share (total assets): 1.8% • Total assets: EUR 2,400 mill. • Shareholders’ equity (tier 1): EUR 200 mill. • Total loans: EUR 1,400 mill. • Total deposits: EUR 1,700 mill. • Market share (total assets): 4.7%

  11. BT-December2002 vs. December 2006 • Share capital: EUR 115.5 mill. • Market capitalization: EUR 1,167 mill. • No. of shareholders:25,400 • Share capital: EUR 20.42 mill. • Market capitalization: EUR 65.35 mill. • No. of shareholders: 5,400

  12. BT-December2002 vs. December 2006 • Branches and agencies: 43 • Staff: 1,350 • Active customers: 180,000 • Branches and agencies: 340 • Staff: 4,500 • Active customers: 780,000

  13. Banca Transilvania: group strategy • Establishment and consolidation of Banca Transilvania Financial Group, the bank being the core business and synergies driver. • Cross-selling with subsidiaries: • BT Asigurări (insurance); • BT Leasing Transilvania (leasing); • BT Securities (brokerage); • BT Direct (consumer finance); • BT Investments (investment vehicle); • BT Asset Management S.A.I. • Compania de Factoring

  14. Strategy: nationwide network, close to the clients

  15. Strategy: Organic Growth • Assets growth targets • Loans • Equity investments • Tangible and intangible assets growth to sustain business expansion Additional funding requirements - Deposits - Borrowings - Capital Risk Management

  16. one customer driven organization Strategic approach: three business lines, Retail SME Corporate • Professional sales force • Dedicated SME financing programs • start-up credit • one hour credit for investments and working capital • Clubul Intreprinzǎtorului Român • Mortgage loans • 7.5% market share (Nov. 2006) Effective cash management and collecting Internet banking products • Cards business • 9.8% market share 815,000 cards (Nov. 2006) • 475 ATMs • 3,800 POS

  17. % market share

  18. STOCK PERFORMANCE Average daily turnover EUR 1.5 mln Free float 60%

  19. Banca Transilvania =The Local Champion with Entrepreneurial and Independent Spirit

  20. Thank you! Banca Transilvania S.A. 8, Baritiu St., 400027 Cluj-Napoca, Romania Ph: + 40 264 407 150 Fax: + 40 264 407 179 E-mail: bancatransilvania@bancatransilvania.ro

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