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Banca Transilvania Highlights

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Presentation topics

Romania - macro picture

Banca Transilvania•Milestones•Strategic approach: a growth story•Achievements: market position•June 30, 2006 highlights (IFRS)•Stock performance•Plans

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Macro picture: a positive economic environment

Banca Transilvania

* estimates

FOREIGN INVESTMENTS IN ROMANIA (billion EUR)

1.14

1.29

1.12

1.62

3.3

5.2

6.2

0 1 2 3 4 5 6 7

2000

2001

2002

2003

2004

2005

2006*

4

Banking Sector in Romania

Weight of non-governmental loans in GDP (%)

17.5%22%

27%

88%

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

90.00%

100.00%

2004 2005 2006* UE

Market shares in the banking system/Total Assets (%)

87.6%

6.0% 6.4%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Banks with foreigncapital

Banks with local statecapital

Banks with local privatecapital

5

Banking Sector in Romania

Evolution of banking assets in Romania (bn. EUR)

37.7

15.31

22.67

05

10152025303540

2003 2004 2005

Features:

39 banks (of which 6 foreign bank branches)

58% of banking assets held by top five banks

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Banca Transilvania: milestones

Established in 1994 as an alternative to state owned banks

First bank to be quoted on the Bucharest Stock Exchange - 1997;

In 2001 EBRD became shareholder of the bank, acquiring 15% of the share capital;

2002 – turnaround year:

2005 – year of quality growth

Management team Organizational structure Corporate identity

NEW

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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

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750,000 customers

- 303 BT Units 51 Branches 249 Agencies 1 Rep. Office 2 exchange offices

- 473 ATM- 3, 802 POS- 790,489 cards

HEAD OFFICE

Strategy: nationwide network, close to the clients

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Strategy: Organic Growth

Risk Management

Assets growth targets

- Loans

- Equity investments

- Tangible and intangible assets growth to sustain the business expansion

Additional funding requirements

- Deposits

- Borrowings

- Capital

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Market shares - total assets 30.06.2006 vs 31.12.2005

3.7%4.5%

3.8%4.4%

3.9%5.3%

8.7%

15%

25.7%

4.9%

25.6%

15.48%

7.91%

5.57%4.34% 4.22% 4.08% 3.44%

4.22% 4.19%

0%

5%

10%

15%

20%

25%

30%

BCR BRD Raiffeisen ING Transilvania CEC Alpha BancPost HVB ABN Amro

31.12.2005

30.06.2006

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Strategic approach: three business lines,

Retail

CorporateMortgage loans

• 9.24% market share (June 2006)

Cards business

• 9.35% market share 790,489 cards (June 2006)

•460 ATMs

•3,802 POS

Effective cash management and collecting

Internet banking products

Rural Finance Project

one customer driven organization

SMEProfessional sales force

Dedicated SME financing programs

• start-up credit

• one hour credit for investments and working capital

12% market share

MARKET SHARE BY PRODUCTS30.06.2006 vs. 31.12.2005

3.75

8.8

4.4

4.52

4.67

8.96

6.38

3.9

9.24

4.67

5.97

4.47

9.35

3.83

6.44

4.06

0 5 10 15 20 25 30

Total customers

Loans, ROL

Loans, FCY

Mortgage loans

Consumer loans

Term deposits, ROL

Term deposits, FCY

Active cards

30.06.2006

30.12.2005

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BT Café – the first banking café in Romania;

BT Café – promoting Banca Transilvania Financial Group in a casual environment

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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

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Balance Sheet, EUR mln. IFRS

(unconsolidated)

June 30, 2006

Dec. 31, 2005

June 30 2006/Dec. 31, 2005 (%)

growth

Cash and equivalents 33.06 27.36 121%

Accounts with banks and with NBR

438.54 351.09 125%

Loans & Leases, net 1,113.11 799.98 139%

Securities &participations 75.04 99.08 75.74%

Fixed Assets 54.83 45.65 120%

Other Assets 14.24 6.70 212%

Total Assets 1,728.82 1,329.86 130%

Customers’ deposits and due to banks

1,183.82 975.54 121%

Borrowings 345.64 211.96 163%

Other liabilities 27.62 17.71 156%

Shareholders’ equity 171.74 124.65 138%

Total Liabilities 1,728. 82 1,329.86 130%

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Total Assets

Dec. 2005: EUR 1,329.86 mln

June 30, 2006 vs. Dec. 2005 (IFRS unconsolidated)

Total Assets

June 30, 2006: EUR 1,728.82 mln

Assets, June 30, 2006

Cash and equivalent

2%

Other Assets1%

Accounts with banks and with

NBR25%

Fixed Assets3%

Loans, net65%

Securities and equity

participations4%

Assets, Dec. 2005

Accounts with banks and with

NBR26%

Other Assets1%Fixed Assets

3%Cash and equivalent

2%

Securities and equity

participations7%

Loans, net61%

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June 2006 vs. Dec. 2005 (IFRS unconsolidated)

Total Liabilities

Dec. 2005: EUR 1,329.86 mln

Total Liabilities

June 30, 2006: EUR 1,728.82 mln

Liabilities, June 30, 2006

Shareholders’ equity10%

Other liabilities2%Borrowings

20%

Customers’ deposits and due to banks

68%

Liabilities, Dec. 2005

Borrowings16%

Customers’ deposits and due to banks

74%

Shareholders’ equity9%

Other liabilities1%

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Profit & Loss Account, EUR mln. (IFRS unconsolidated)

June 30, 2006

June 30, 2005

June 30 2006/ June 30, 2005 (%)

growth

Net interest income 37.27 26.03 143%

Income from commissions, net 19.34 10.36 187%

FX income, net 6.94 4.87 143%

Other income 0.97 2.39 41%

Salaries and related expenses 23.70 13.79 161%

Other expenses 23.76 14.19 167%

Net Profit 11.39 10.81 105.37%

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Profit & Loss Account (EUR mln.)

Income June 30, 2006 vs. June 30, 2005, EUR mln.

2.39

4.87

26.03

10.36

0.97

6.94

37.27

19.34

0 10 20 30 40

Other income

Foreign exchangeincome, net

Income fromcommissions, net

Interest income,net

June 30, 2006

June 30, 2005

Expenses June 30, 2006 vs. June 30, 2005, EUR mln.

13.79

14.19

23.70

23.76

0 5 10 15 20 25

Salaries and relatedexpenses

Other expenses

June 30, 2006

June 30, 2005

Net profit, EUR mln.

11.39

10.81

0 2 4 6 8 10 12 14

June 30, 2006

June 30, 2005

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June 30, 2006

Dec. 2005

Outstanding common shares

2,367,330,0002,367,330,00

0

Nominal Value, RON

0.1 0.1

BT market capitalization, EUR mln

1,051 798.32

Stock price performance (RON) (yoy)

98.59%

Free float 60%

Average daily

turnover

EUR 1.5 mln

STOCK PERFORMANCE

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• “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

Awards 2005

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2006 – Plans

• We will continue our organic growth

• Strong focus on SME / Retail segments

• Network: more than 300 units

• Investments: EUR 30 mill.

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Contact details:

Banca Transilvania S.A.

Romania, Cluj-Napoca8, Baritiu St.E-mail: bancatransilvania@bancatransilvania.roTelephone: + 40 264 407 150Fax: + 40 264 407 179