Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

Banca Transilvania

TLV

Romania · EuropeRegulated by BNRLatest: 2025-Q2

21LOW

CET1 Ratio

18.63%+0.53pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$18.5B

+3.80% QoQ growth

Total Loan Book

$31.9B

+5.6% YoY growth

Leverage Ratio

9.40%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Comm. Real Estate18.0%

Consumer21.0%

SME / C&I38.0%

Other23.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	18.63%	9.40%	$18.5B	$31.9B	+5.6%	+3.80%	18.0%	21.0%	38.0%	21

AI Investment Memo

Llama will analyze Banca Transilvania across 4 data dimensions and write a structured memo

Score: 21/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

21/100 —LOW

First-time candidate · scored on fundamentals (0–54 band)

Capital Pressure0/40

CET1 18.63% — well above management threshold

-6.63pp headroom above 8% regulatory floor

CET1 stable or improving (18.10% → 18.63%)

Leverage ratio 9.40% — adequate headroom

Loan Book Growth12/30

Loan book grew 5.6% YoY

RWA grew 3.8% QoQ — rapid RWA expansion strains capital

CRE: 18%, Lev.Loans: 0%, max(Consumer/SME): 38%

Historical SRT0/25

No prior SRT deals on record

Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

Small Bank

<$50B total assets — typically too small for SRT market access

-8

Europe regional bonus+8

Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood21/100