Banca Transilvania SA engages in the provision of banking services. It operates through the following segments: Large Corporate Clients, Medium Corporate Customers, SME Clients, Micro Business Clients, Retail Customers, Treasury, Leasing and Consumer Loans Granted by Non-Banking Financial Institutions, and Other. The Large Corporate Clients segment provides large-scale loans, trade finance, treasury, and tailored co-financing services to companies, financial institutions and public entities. The Medium Corporate Customers segment offers financial services to Mid Corporate clients, including lending facilities, current operations, and treasury services. The SME Clients segment offers working capital loans, cash management, factoring, and EU-fund co-financing services to small and medium-sized enterprises. The Micro Business Clients segment comprises the number of companies and the diverse types of entities, such as limited liability companies, freelancers, and sole proprietorships. The Retail Customers segment provides individuals with a range of banking products and services, including loans, savings and deposit accounts, payment services and securities trading. The Treasury segment comprises of the treasury services. The Leasing and Consumer Loans Granted by Non-Banking Financial Institutions segment includes financial products and services such as lease facilities, consumer loans and microfinance provided by the non-banking financial institutions of the group. The Other segment deals with the services offered by other financial entities within the group, which composes asset management, brokerage, factoring, and real estate. The company was founded by Horia Ciorcila and Radu-Danut Palagheanu on December 16, 1993 and is headquartered in Cluj Napoca, Romania.