Banca Transilvania S.A. provides various banking products and services in Romania, Italy, and the Republic of Moldova. The company operates through Large Corporate Clients, Medium Corporate Customers, SME clients, Micro Business clients, Retail customers, Treasury, Leasing and consumer finance granted by non-banking financial institutions, and Other segments. It offers transactional banking products, current account subscriptions, bancassurance products, debit and credit cards, deposits and savings accounts, consumer loans and mortgages, and ATM services to children, students, and employees. In addition, the company offers transaction banking, treasury, trade finance, and retail products, as well as asset management, merger and acquisition consultancy, and capital market advisory services to legal and public entities, and financial institutions. Further, it provides lending, current and treasury operations; bonus packages, structured finance, and co-financing of EU-funded projects; and merger and acquisition consultancy, asset management, and financial and operating leasing services, as well as various treasury services, microfinance services, brokerage, factoring, and real estate services. Additionally, the company offers loans for working capital or investments, letters of guarantee, EU project co-financing, and invoice discounting; general and FX services, incoming and outgoing payments, cheques, promissory notes, salary payment agreements; and internet and mobile banking, e-commerce, POSs and, the integration service of financial data to limited liability companies, freelancers, and sole proprietorships. It provides services to companies that have undergone the incipient growth stages and whose business activity requires further attention. The company was incorporated in 1993 and is headquartered in Cluj-Napoca, Romania.