Fitch Ratings confirms Banca Transilvania’s long-term issuer rating at “BBB-“, as well as the bank’s viability rating at “bbb-“, according to Romania Journal.
At the same time, Fitch Ratings maintains a negative outlook for the ratings confirmed today, in the context of the country rating.
The agency justifies the decision to confirm the ratings with the bank’s strong and well-established position in the domestic market, solid capital reserves supported by robust internal capital generation capacity, and a stable funding profile. The ratings also highlight the quality of the bank’s assets, supported by a sound lending policy.
With a market share of nearly 23% of the sector’s assets, BT is the largest bank in Romania, with a business model focused on serving SMEs, entrepreneurs, and retail clients, with whom it maintains strong relationships. Fitch emphasizes that the bank’s loan portfolio is well diversified, and limited exposure to volatile industries has supported solid performance throughout the period under review.
From a financial perspective, the bank recorded high profitability in the first nine months of 2025, driven by operational efficiency and revenue growth. Capitalization ratios remain strong, and liquidity is adequate, supported by a stable and granular deposit base.
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