Banca Transilvania

Banca Transilvania provides retail and commercial banking services including current accounts, loans, mortgages, credit cards, and wealth management across Romania and neighboring markets. The bank operates through multiple segments serving everyone from individual consumers to large corporates, with a growing emphasis on digital channels over physical branches.

Banca Transilvania is Romania's largest bank by market cap (RON 43.9 billion), serving retail and corporate clients across Romania, Italy, and Moldova [Yahoo Finance]. The bank reported strong first-half 2026 results, with profits up 27% year-over-year driven by loan growth and digital service adoption [GuruFocus]. Trading at 9.0x trailing earnings, the bank recently executed a 114.42:100 stock split in July 2026 [Yahoo Finance].

Strong profitability with 42% net margins, though forward earnings expectations have declined slightly.