{"id":13707,"date":"2025-08-04T09:22:27","date_gmt":"2025-08-04T09:22:27","guid":{"rendered":"https:\/\/outsourcing-today.ro\/?p=13707"},"modified":"2025-08-04T09:23:08","modified_gmt":"2025-08-04T09:23:08","slug":"banca-transilvania-groups-results-in-the-european-stress-test-exercise-2025","status":"publish","type":"post","link":"https:\/\/outsourcing-today.ro\/?p=13707","title":{"rendered":"Banca Transilvania Group’s results in the European stress test exercise 2025"},"content":{"rendered":"\n

Banca Transilvania Financial Group participated for the first time this year in the European stress test exercise, coordinated by the European Banking Authority (EBA), in collaboration with the National Bank of Romania (BNR), the European Central Bank (ECB) and the European Systemic Risk Board (ESRB)<\/a>. The results of the 2025 stress test exercise were made public on 1 August 2025, by the European Banking Authority, and Banca Transilvania, on behalf of the BT Group, fully agrees with them.<\/p>\n\n\n\n

\u201cWe are pleased that BT\u2019s stress test results confirm the solidity of its capital position and business model, asset quality and adequate risk management. Banca Transilvania and the BT Group have the capacity to support the Romanian economy, to absorb economic and financial shocks, including in severe economic conditions. We appreciate the European Banking Authority\u2019s approach to ensuring transparency and reaffirm our commitment to comply with prudential and supervisory standards in order to contribute to a more efficient, resilient and sustainable European banking system,\u201d says \u00d6mer Tetik, CEO, Banca Transilvania.<\/strong><\/span><\/p>\n\n\n\n

The 2025 European stress test does not contain a pass\/fail threshold and is designed to be used as an important source of information for the purposes of the SREP (Supervisory Review and Evaluation Process). The results helped the authorities assess BT\u2019s capacity to meet the prudential requirements applicable in stress scenarios.<\/p>\n\n\n\n

The adverse stress test scenario was established by the ECB\/ESRB and covers a three-year time horizon (2025-2027). The stress test was performed applying a static balance sheet assumption as of December 2024 and therefore does not take into account future business strategies and management actions. For this reason, it does not represent a forecast of Banca Transilvania\u2019s profits.<\/p>\n\n\n\n

For the 2025 stress test, the proposed adverse macroeconomic scenario leads to a cumulative decline of 4.1% in Romania\u2019s GDP over the period 2025\u20132027, amid rising geopolitical tensions. The scenario also included the impact on public confidence due to supply chain disruptions and rising inflation, combined with rising unemployment. Significant cumulative shocks were also applied to the commercial real estate market (CRE). The application of the adverse scenario led to a fully loaded Common Equity Tier 1 (CET1) ratio at the Banca Transilvania Financial Group level of 12.24% at the end of 2027, compared to 13.63% at the end of 2024. The comprehensive approach took into account the new European rules for calculating capital requirements (CRR3), valid from January 1, 2025. The stress-induced change in the CET1 ratio in the comprehensive approach is -139 basis points, which confirms the solidity of the Banca Transilvania Group, as well as its resilience in the event of adverse economic scenarios.<\/p>\n\n\n\n

photo credits: \u00d6mer Tetik, CEO BT<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Banca Transilvania Financial Group participated for the first time this year in the European stress test exercise, coordinated by the European Banking Authority (EBA), in collaboration with the National Bank of Romania (BNR), the European Central Bank (ECB) and the […]<\/p>\n","protected":false},"author":2,"featured_media":13709,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,19,18,12,6,3,17,317],"tags":[534],"_links":{"self":[{"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=\/wp\/v2\/posts\/13707"}],"collection":[{"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=13707"}],"version-history":[{"count":1,"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=\/wp\/v2\/posts\/13707\/revisions"}],"predecessor-version":[{"id":13710,"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=\/wp\/v2\/posts\/13707\/revisions\/13710"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=\/wp\/v2\/media\/13709"}],"wp:attachment":[{"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=13707"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=13707"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/outsourcing-today.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=13707"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}