1. 1 Banca Transilvania Highlights

2. 2 Presentation topics Romania - macro picture Banca Transilvania Milestones Strategic approach: a growth story Achievements: market position June 30, 2006 highlights (IFRS) Stock performance Plans

3. 3 Macro picture: a positive economic environment Banca Transilvania * estimates

4. 4 Banking Sector in Romania

5. 5 Features: 39 banks (of which 6 foreign bank branches) 58% of banking assets held by top five banks

6. 6 Banca Transilvania: milestones Established in 1994 as an alternative to state owned banks First bank to be quoted on the Bucharest Stock Exchange - 1997 ; In 2001 EBRD became shareholder of the bank, acquiring 15% of the share capital; 2002 – turnaround year: 2005 – year of quality growth Management team Organizational structure Corporate identity NEW

7. 7 Banca Transilvania: group strategy Establishment and consolidation of Banca Transilvania Financial Group, the bank being the core business and synergies driver. Cross-selling with subsidiaries: BT Asigurări (insurance); BT Leasing Transilvania (leasing); BT Securities (brokerage); BT Direct (consumer finance); BT Investments (investment vehicle); BT Asset Management S.A.I. Compania de Factoring

8. 8 750,000 customers - 303 BT Units 51 Branches 249 Agencies 1 Rep. Office 2 exchange offices - 473 ATM - 3, 802 POS - 790,489 cards HEAD OFFICE Strategy: nationwide network, close to the clients

9. 9 Strategy: Organic Growth Risk Management Assets growth targets - Loans - Equity investments - Tangible and intangible assets growth to sustain the business expansion Additional funding requirements - Deposits - Borrowings - Capital

10. 10

11. 11 Strategic approach: three business lines, RetailCorporate Mortgage loans 9.24% market share (June 2006) Cards business 9.35% market share 790,489 cards (June 2006) 460 ATMs 3,802 POS Effective cash management and collecting Internet banking products Rural Finance Project one customer driven organization SME Professional sales force Dedicated SME financing programs start-up credit one hour credit for investments and working capital

12. 12 % market share

13. 13 BT Café – the first banking café in Romania; BT Café – promoting Banca Transilvania Financial Group in a casual environment

14. 14 Banca Transilvania: Romanian Champion –Local bank with an extended network –Entrepreneurial approach / fast decisions –Flexibility / efficiency –Significant market shares –Fast growth –Sustainability and support from shareholders –Financial Group concept –Community Bank – Universal Bank SMEs and Retail Transilvania

15. 15 Balance Sheet, EUR mln. IFRS (unconsolidated) June 30, 2006 Dec. 31, 2005 June 30 2006/Dec. 31, 2005 (%) growth Cash and equivalents33.0627.36121% Accounts with banks and with NBR438.54351.09125% Loans & Leases, net1,113.11799.98139% Securities &participations75.0499.0875.74% Fixed Assets54.8345.65120% Other Assets14.246.70212% Total Assets1,728.821,329.86130% Customers deposits and due to banks1,183.82975.54121% Borrowings345.64211.96163% Other liabilities27.6217.71156% Shareholders equity171.74124.65138% Total Liabilities1,728. 821,329.86130%

16. 16 Total Assets Dec. 2005: EUR 1,329.86 mln June 30, 2006 vs. Dec. 2005 (IFRS unconsolidated) Total Assets June 30, 2006: EUR 1,728.82 mln

17. 17 June 2006 vs. Dec. 2005 (IFRS unconsolidated) Total Liabilities Dec. 2005: EUR 1,329.86 mln Total Liabilities June 30, 2006: EUR 1,728.82 mln

18. 18 Profit & Loss Account, EUR mln. (IFRS unconsolidated) June 30, 2006 June 30, 2005 June 30 2006/ June 30, 2005 (%) growth Net interest income37.2726.03143% Income from commissions, net19.3410.36187% FX income, net6.944.87143% Other income0.972.3941% Salaries and related expenses23.7013.79161% Other expenses23.7614.19167% Net Profit11.3910.81105.37%

19. 19 Profit & Loss Account (EUR mln.)

20. 20 June 30, 2006 Dec. 2005 Outstanding common shares 2,367,330,000 Nominal Value, RON0.1 BT market capitalization, EUR mln 1,051798.32 Stock price performance (RON) (yoy) 98.59% Free float 60% Average daily turnover EUR 1.5 mln STOCK PERFORMANCE

21. 21 Bank of the year 2005 granted by Bucharest Business Week Magazine The Best Banking Product for the product Credit 1 ORA granted by Piata Financiara Most Transparent Issuer on the Bucharest Stock Exchange in 2005 granted by Saptamana Financiara Most dynamic issuer listed on the Stock Exchange granted by BSE and Rasdaq Awards 2005

22. 22 2006 – Plans We will continue our organic growth Strong focus on SME / Retail segments Network: more than 300 units Investments: EUR 30 mill.

23. 23 Contact details: Banca Transilvania S.A. Romania, Cluj-Napoca 8, Baritiu St. E-mail: bancatransilvania@bancatransilvania.robancatransilvania@bancatransilvania.ro Telephone: + 40 264 407 150 Fax: + 40 264 407 179