Banca Transilvania S.A.
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 produ… Read more
Banca Transilvania S.A. (TLV) - Net Assets
Latest net assets as of December 2025: RON23.30 Billion RON
Based on the latest financial reports, Banca Transilvania S.A. (TLV) has net assets worth RON23.30 Billion RON as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (RON224.41 Billion) and total liabilities (RON201.12 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | RON23.30 Billion |
| % of Total Assets | 10.38% |
| Annual Growth Rate | 16.72% |
| 5-Year Change | 130.85% |
| 10-Year Change | N/A |
| Growth Volatility | 22.31 |
Banca Transilvania S.A. - Net Assets Trend (2019–2025)
This chart illustrates how Banca Transilvania S.A.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Banca Transilvania S.A. (2019–2025)
The table below shows the annual net assets of Banca Transilvania S.A. from 2019 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | RON23.30 Billion | +33.61% |
| 2024-12-31 | RON17.44 Billion | +25.47% |
| 2023-12-31 | RON13.90 Billion | +55.81% |
| 2022-12-31 | RON8.92 Billion | -11.63% |
| 2021-12-31 | RON10.09 Billion | +0.71% |
| 2020-12-31 | RON10.02 Billion | +8.76% |
| 2019-12-31 | RON9.21 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Banca Transilvania S.A.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 189.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | RON7.84 Billion | 34.97% |
| Other Components | RON14.57 Billion | 65.03% |
| Total Equity | RON22.41 Billion | 100.00% |
Banca Transilvania S.A. Competitors by Market Cap
The table below lists competitors of Banca Transilvania S.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Berry Global Group Inc
NYSE:BERY
|
$7.83 Billion |
|
Yantai Jereh Oilfield Services Group Co Ltd
SHE:002353
|
$7.84 Billion |
|
Shenzhen Envicool Technology Co Ltd
SHE:002837
|
$7.85 Billion |
|
HK Electric Investments and HK Electric Investments Limited
PINK:HKVTY
|
$7.85 Billion |
|
MOOG INC. CL. B DL 1
F:MO7R
|
$7.81 Billion |
|
China International Capital Corporation Limited
PINK:CNICF
|
$7.81 Billion |
|
First Industrial Realty Trust Inc
NYSE:FR
|
$7.81 Billion |
|
Xp Inc
NASDAQ:XP
|
$7.81 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Banca Transilvania S.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 16,617,540,000 to 22,410,059,000, a change of 5,792,519,000 (34.9%).
- Net income of 4,660,721,000 contributed positively to equity growth.
- Other factors increased equity by 1,131,798,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | RON4.66 Billion | +20.8% |
| Other Changes | RON1.13 Billion | +5.05% |
| Total Change | RON- | 34.86% |
Book Value vs Market Value Analysis
This analysis compares Banca Transilvania S.A.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.28x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.61x to 2.28x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | RON9.65 | RON34.80 | x |
| 2020-12-31 | RON14.20 | RON34.80 | x |
| 2021-12-31 | RON14.30 | RON34.80 | x |
| 2022-12-31 | RON12.64 | RON34.80 | x |
| 2023-12-31 | RON12.15 | RON34.80 | x |
| 2024-12-31 | RON15.26 | RON34.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Banca Transilvania S.A. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 20.80%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 39.58%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.01x
- Recent ROE (20.80%) is below the historical average (21.67%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 20.17% | 37.94% | 0.05x | 10.39x | RON898.27 Million |
| 2020 | 13.77% | 27.59% | 0.05x | 10.73x | RON378.02 Million |
| 2021 | 19.65% | 36.01% | 0.04x | 13.13x | RON974.11 Million |
| 2022 | 26.96% | 33.36% | 0.05x | 15.75x | RON1.51 Billion |
| 2023 | 21.85% | 37.37% | 0.05x | 12.79x | RON1.57 Billion |
| 2024 | 28.47% | 46.60% | 0.05x | 12.46x | RON3.07 Billion |
| 2025 | 20.80% | 39.58% | 0.05x | 10.01x | RON2.42 Billion |
Industry Comparison
This section compares Banca Transilvania S.A.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,285,252,500
- Average return on equity (ROE) among peers: 12.41%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Banca Transilvania S.A. (TLV) | RON23.30 Billion | 20.17% | 8.63x | $7.82 Billion |
| BRD Groupe Societe Generale SA (BRD) | $8.18 Billion | 18.23% | 6.06x | $1.70 Billion |
| Patria Bank SA (PBK) | $386.59 Million | 6.59% | 9.80x | $6.70 Million |