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Banca Transilvania SA

Cluj-Napoca, Cluj, str. Calea Dorobantilor, nr. 30-36, 400121, Romania

Adresa de e-mail: investor.relations@btrl.ro

Tel: + 40 264 407 150

Fax: + 40 264 407 179

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Environmental, Social, Governance

ESG principles are a key pillar for us in considering our environmental footprint and the impact on the communities we support as a responsible corporate citizen.  

As a leading figure in the banking industry, these principles shape our decision-making processes and guide the direction of our forthcoming projects.

Green 
Products

From green mortgages to green personal loans, our commitment to responsible and impactful financing is embedded in our...

Financial
Literacy

We aim to provide our clients with a comprehensive assessment of their financial management needs, which helps...

Diversity and Inclusion

We are dedicated to creating a workplace that celebrates diversity and inclusion. We strive to cultivate an atmosphere of...

Cybersecurity

We take information security very seriously. All our internal information security policies are developed in...

Sustainable Payments

We are committed to safeguarding the environment and helping to create a more...

Community

We believe corporate citizenship is about accountability and transparency. More specifically, it is our way of thanking...

Transparency

We strive to achieve a common goal among all the stakeholders in our daily activities, and that is why we are...

Responsible 
Funding

We have shown our dedication to sustainable development in a...

#HumanBanking

BT means people, and above all, one team. We work together, supporting and encouraging each other because...

Digital
Transformation

We are highly receptive to technological innovation, ensuring that we streamline the process of communicating information...

Responsible Banking

By adopting the UNEP-FI Principles for Responsible Banking in February 2022, we have ensured that our business strategy...

Entrepreneurial Ecosystem

BT's financial ecosystem is complemented by BT Mic & Stup, created to support, and help the Romanian entrepreneurial...

Green 
Products

From green mortgages to green personal loans, our commitment to responsible and impactful financing is embedded in our product offering.

Our products are designed to help our clients with their projects, both by enhancing their growth and by enabling them to adjust to the situation of sustainable development.

Energy efficiency projects, smart agriculture, efficient transport and water efficiency have been the focus of our attention.

827 MIL
RON in green mortgages.
12,163 KG
of recycled plastic cards.
460
green loans amounting to nearly RON 1,034 billion provided to business clients.
1
Renewable Energy Loan dedicated to financing the production of energy from renewable resources.
3
major campaigns on the topic of Energy from renewable sources, technical solutions, and financing opportunities; 420 informed participants on the concept of ESG and sustainability.

Financial
Literacy

We aim to provide our clients with a comprehensive assessment of their financial management needs, which helps them make smart financial choices.

Through Întreb BT, a friendly, easy-to-use platform, people can find answers to the most searched-for banking topics. Moreso, we have integrated artificial intelligence into our education platform to simplify interactions and make it more accessible to users, making us an early adopter of AI in the banking sector.

By the end of 2023, we introduced FIT – Finance for All, the national financial education program that aims to create a strong base of financial literacy for Generations Alpha, Z and Y. This program includes also a series of videos - De Toți Banii - that explain the most common money and banking queries to improve financial literacy.

5 MIL
users accessed the Întreb BT platform in 2023 (+31% vs 2022).
+15,000
children and young people attended FIT presentations in schools and universities.
+200,000
unique visitors used AI Search to find information about self-banking products, services, and solutions (June 2024).
250,000
Round-Up accounts. We promote a more financially responsible lifestyle for our customers with this feature, providing a savings option that is easy to use, quick, and effective.

Diversity and Inclusion

We are dedicated to creating a workplace that celebrates diversity and inclusion. We strive to cultivate an atmosphere of respect and appreciation, where individuals from all backgrounds, identities, and experiences are empowered to share their unique perspectives and talents. Our commitment to these values is unwavering, and we are proud to be a company that champions inclusivity and equity.

Our initiatives are thoughtfully designed to align with our specific organizational culture, goals and challenges, always keeping in mind the rights of every individual, in order to increase the diversity of our workforce and thus improve performance.

1
Public commitment to align with the European principles of diversity, equal opportunities and inclusion by joining the Diversity Charter in 2023.
3,260 H
and 326 participants attended training on equal opportunities, and the prevention of discrimination and harassment in the workplace.
28.57%
of the Board of Directors and Leaders' Committee positions are held by women.

Cybersecurity

We take information security very seriously. All our internal information security policies are developed in accordance with the ISO 27001 standard. To secure online and POS payments, we comply with the Strong Customer Authentication standards, part of the European Directive on Payment Services (PSD2).

Access to banking applications - BT Pay, NEO, BT24, BT Go or BT Visual Help - is carried out in a secure manner, with high safety requirements.

Cards added to the BT Pay app and other wallets (Apple Pay, Google Pay, Fitbit Pay, Garmin Pay) are tokenised. Our issued cards also comply with internationally regulated security standards of Visa/Mastercard payment schemes.

Additionally, we have also launched in 2021 a security hub that is continuously updated with essential information to help our customers and other hub vitors in mitigating the risk of potential fraud.

≈10,300 H
of training for BT team on security topics, during 2023.
≈20,170 H
of training for BT employees on security topics, realised in 2023.
1
national digital education campaign that offers the best cybersecurity practices, also supported by Banca Transilvania.

Sustainable Payments

We are committed to safeguarding the environment and helping to create a more sustainable, inclusive society, where banking services are more accesible.

We therefore set goals that reinforce our commitment to a more financially inclusive future, such as the development of innovative payment applications and services and the provision of dedicated payment products such as BT Pay, smartwatches (Fitbit Pay, Garmin Pay), payment solutions for entrepreneurs and small business owners such as traditional POS, BT POS App and BT eCommerce.

93%
of our 4,3 million customers are digitized.
64%
of the total cards issued by BT are enrolled in digital wallets.
3x
We have tripled the availability of banking services in rural areas in the past three years.
+120,000
Gen Z customers enrolled in BT Pay Kiddo. This feature allows kids to access age-appropriate features, while parents can keep track of their children's activities and transactions through their own BT Pay app in the dedicated section.

Community

We believe corporate citizenship is about accountability and transparency. More specifically, it is our way of thanking the communities we belong to.

Supporting social projects means both participating in national projects and providing one-off support for local needs through our local network. This is how we stay connected to the community.

1.2 B
RON represents our direct contribution to the Romanian economy through the payment of taxes and levies in 2023.
≈2%
of all corporate income tax collected by the government from companies in Romania in 2023 is our corporate income tax for last year.
270
associations and non-governmental organizations that benefited from our support in 2023.
≈10,000
donations amounting to over over RON 773,069.83, were made via BT Pay.
80 MIL
RON our investment in the development of local communities through the funding of cultural and educational events, the support of social causes and our contribution to community projects.

Transparency

We strive to achieve a common goal among all the stakeholders in our daily activities, and that is why we are open and honest about our strategic vision, goals and risk mitigation. We take responsibility for creating a sustainable business and a positive impact on society.

This mindset has helped us gain more than two decades of experience on the Bucharest Stock Exchange.

Moreover, by following this principle as a key rule, we always communicate effectively with all stakeholders, according to our financial calendar, share clear financial results and hold earnings calls, meet with investors at various international conferences, or regularly publish informative reports on financial results.

1
Our company is the first bank from Romania, listed on the Bucharest Stock Exchange.
#1
We have been acknowledged by the Romanian Financial Press as "The best communication with journalists by an issuer for the year 2023".
10
VEKTOR rating, for five years straigt, awarded by the Association for Investor Relations on the Romanian Stock Exchange (ARIR) for our communication with investors and shareholders.

Responsible 
Funding

We have shown our dedication to sustainable development in a clear way over the last few years. We endorse the actions taken by the European Union to move towards a sustainable economy and we recognize our role, as a member of the financial sector in Romania, to facilitate financing and attract capital for sustainable projects that contribute positively to this transition and create long-term value in our country.

Together with our global partners, including the European Bank for Reconstruction and Development (EBRD), the European Investment Bank (EIB), the European Investment Fund (EIF), and the International Finance Corporation (IFC), we are working closely to develop products and services to support the transition of Romania's economy. Following the Principles for Responsible Banking and as a member of the United Nations Environment Programme Finance Initiative (UNEP-FI), we are taking into account the environmental and social impact of our operations more fully.

500 MIL
EUR We successfully attracted our first sustainability bonds based on the principles set out in the our Sustainable Finance Framework.
≈444 MIL
USD is the approximately worth of environmental investments resulted by granting green financing to companies in Romania.

#HumanBanking

BT means people, and above all, one team. We work together, supporting and encouraging each other because we know that what we do every day has a direct impact on our customers.

To ensure smooth and optimal business operations, we have consolidated our core strategy and developed new programs and activities for our employees with high attendance figures recorded in personal development.

74 H
of training were allocated for each BT employee, at bank level.
+9 MIL
RON has been allocated in 2023 to yearly training that aims to enhance our BT team competencies.
350
colleagues have been trained on sustainable development through 13 seminars (online and in person) that amounted to 27 hours of learning about the significance of ESG risk analysis in banking.

Digital
Transformation

We are highly receptive to technological innovation, ensuring that we streamline the process of communicating information in real time, with a focus on continuous adaptation in times of rapid change.

We see extraordinary opportunities for customers in terms of mobility through remote banking, access to new products and services, and rapidly growing confidence in online payments.

Our figures show that there has been a massive surge in the uptake of online banking, with Salt Bank becoming the 1st digital Neobank built in Romania.

We are early adopters of artificial intelligence in banking by integrating the AI Search function on the Întreb BT platform, respectively by integrating Microsoft 365 Copilot and GitHub Copilot into employees' activity.

+1.3 BN
documents were sent online via FileShare, the secure document transfer solution between business clients and the bank.
≈110,000
out of 4,3 million clients opened their BT current account 100% online.
200,000
persons became Salt Bank’s customers in the first month, after the launching.
1.9 MIL
unlisted sheets needed for signing documents related to card transactions, which means 108650 KWh saved.
3.5 MIL
RON the amount saved by eliminating printing and archiving through the #Paperless project, which translates into the elimination of 25 tons of CO2.
≈57%
of BT's Contact Centre & Customer Care inquiries are now managed by customers in digital self-service using the visual, interactive BT Visual Help solutions.
85,000
questions found an answer through the Întreb BT AI Search in March 2024.

Responsible Banking

By adopting the United Nations Environmental Programme - Finance Initiative (UNEP-FI) Principles for Responsible Banking (PRB) in February 2022, we have ensured that our business strategy and practices are aligned with the Sustainable Development Goals and the provisions of the Paris Agreement.

We have taken extensive steps to analyze the impact of our portfolio on the economy, environment and society, to identify negative or positive contributions to sustainable development, and to identify activities undertaken by the bank that can have a significant impact. For details, please refer to the Self-Assessment Report on the Implementation of the Principles for Responsible Banking, 2022.

Entrepreneurial Ecosystem

BT's financial ecosystem is complemented by BT Mic & Stup, created to support and help the Romanian entrepreneurial community.

BT Mic provides funding to the smallest companies in the market, financing start-up entrepreneurs with an annual turnover of up to RON 1 million. The loan can be used for different purposes, such as maintaining and expanding the daily operations, acquiring goods, settling debts with suppliers, investing in existing or new jobs, or purchasing machines and equipment.

Stup is a hybrid space that offers many of the products and services an entrepreneur requires. It hosts events for entrepreneurs and aspiring entrepreneurs, run by us and our partners. Stup welcomes all entrepreneurs, no matter which bank they use, with no membership fee, free guidance, and many discounts on partner products.

15,000
euro is the average value of a BT Mic loan.
30,000
loans were granted by BT Mic, in the last 5 years, throughout Romania.
8
out of 10 businesses take their first business loan from BT Mic.
25,000
entrepreneurs make up the Stup community.
Întreb BT este cel mai mare program online de educație financiară al Băncii Transilvania, cu peste 2.000 de întrebări și răspunsuri din banking.
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