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Banca Transilvania Highlights

Banca Transilvania Highlights. Macro picture: a positive economic environment. Banca Transilvania * estimates. Banking Sector in Romania. Banking Sector in Romania. Features: 39 banks (of which 6 foreign bank branches) 58% of banking assets held by top five banks. Management team

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Banca Transilvania Highlights

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  1. Banca Transilvania Highlights

  2. Macro picture: a positive economic environment Banca Transilvania * estimates

  3. Banking Sector in Romania

  4. Banking Sector in Romania • Features: • 39 banks (of which 6 foreign bank branches) • 58% of banking assets held by top five banks

  5. Management team Organizational structure Corporate identity NEW

  6. 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

  7. Strategy: nationwide network, close to the clients

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

  9. one customer driven organization Strategic approach: three business lines, Retail SME Corporate • Mortgage loans • 9.24% market share (June 2006) • Professional sales force • Dedicated SME financing programs • start-up credit • one hour credit for investments and working capital Effective cash management and collecting Internet banking products Rural Finance Project • Cards business • 9.35% market share 790,489 cards (June 2006) • 460 ATMs • 3,802 POS

  10. % market share

  11. BT Café – the first banking café in Romania; BT Café – promoting Banca Transilvania Financial Group in a casual environment

  12. Banca Transilvania: Romanian Champion • Local bank with an extended network • Entrepreneurial approach / fast decisions • Flexibility / efficiency • Significant market shares • Fast growth • Sustainability and support from shareholders • Financial Group concept • Community Bank – Universal Bank SMEs and Retail Transilvania

  13. June 30, 2006 vs. Dec. 2005 (IFRS unconsolidated) Total Assets June 30, 2006: EUR 1,728.82 mln Total Assets Dec. 2005: EUR 1,329.86 mln

  14. June 2006 vs. Dec. 2005 (IFRS unconsolidated) Total Liabilities June 30, 2006: EUR 1,728.82 mln Total Liabilities Dec. 2005: EUR 1,329.86 mln

  15. Profit & Loss Account (EUR mln.)

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

  17. Awards 2005 • “Bank of the year 2005” granted by “Bucharest Business Week” Magazine • “The Best Banking Product” for the product “Credit 1 ORA” granted by “Piata Financiara” • “Most Transparent Issuer on the Bucharest Stock Exchange in 2005” granted by “Saptamana Financiara” • “Most dynamic issuer listed on the Stock Exchange” granted by BSE and Rasdaq

  18. 2006 – Plans • We will continue our organic growth • Strong focus on SME / Retail segments • Network: more than 300 units • Investments: EUR 30 mill.

  19. Contact details: Banca Transilvania S.A. Romania, Cluj-Napoca 8, Baritiu St. E-mail: bancatransilvania@bancatransilvania.ro Telephone: + 40 264 407 150 Fax: + 40 264 407 179

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