Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
Banca Transilvania
TLVCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+2.50% QoQ growth
Total Loan Book
+10.6% YoY growth
Leverage Ratio
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-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 18.30% | 9.60% | $20.2B | $33.4B | +10.6% | +2.50% | 18.0% | 21.0% | 38.0% | 39 |
| 2025-Q3 | 18.10% | 9.50% | $19.7B | $32.7B | +8.3% | +3.10% | 18.0% | 21.0% | 38.0% | 22 |
| 2025-Q2 | 18.63% | 9.40% | $18.5B | $31.9B | +5.6% | +3.80% | 18.0% | 21.0% | 38.0% | 22 |
| 2025-Q1 | 17.60% | 9.20% | $18.4B | $31.0B | +2.6% | +3.40% | 18.0% | 21.0% | 38.0% | 19 |
| 2024-Q4 | 17.20% | 9.00% | $17.8B | $30.2B | +14.8% | +3.50% | 18.0% | 21.0% | 38.0% | 20 |
| 2024-Q3 | 17.40% | 9.20% | $17.2B | $29.2B | +14.9% | +3.60% | 18.0% | 21.0% | 38.0% | 20 |
| 2024-Q2 | 17.60% | 9.40% | $16.6B | $28.2B | +14.6% | +3.80% | 18.0% | 21.0% | 37.0% | 20 |
| 2024-Q1 | 17.80% | 9.60% | $16.0B | $27.2B | +12.7% | +3.20% | 18.0% | 20.0% | 37.0% | 20 |
| 2023-Q4 | 18.00% | 9.80% | $15.5B | $26.3B | +15.0% | +3.30% | 18.0% | 20.0% | 37.0% | 20 |
| 2023-Q3 | 18.20% | 10.00% | $15.0B | $25.4B | +14.7% | +2.70% | 18.0% | 20.0% | 37.0% | 17 |
| 2023-Q2 | 18.40% | 10.20% | $14.6B | $24.6B | +14.5% | +2.80% | 18.0% | 20.0% | 36.0% | 17 |
| 2023-Q1 | 18.60% | 10.40% | $14.2B | $23.8B | +14.2% | +1.20% | 18.0% | 20.0% | 36.0% | 17 |
AI Investment Memo
Llama will analyze Banca Transilvania across 4 data dimensions and write a structured memo
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
Live score · base 37 pts +2 macro adj
CET1 18.30% — well above management threshold
-6.30pp headroom above 8% regulatory floor
Leverage ratio 9.60% — adequate headroom
Loan book grew 10.6% YoY — above 10% capital-strain threshold
RWA grew 2.5% QoQ
CRE: 18%, Lev.Loans: 0%, max(Consumer/SME): 38%
No prior SRT deals on record
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts