BCR delivered a net profit of 2.46 billion RON (491 million euros), up by 11.2 percent in the first nine months of 2025 against 2.2 billion RON (446 million euros) in 1-9 2024, supported by continued expansion in customer business.
Operating result improved by 9.0% to RON 3,099 million (EUR 616 million) in 1-9 2025, from RON 2.841 million (EUR 571 million) in 1-9 2024, driven by higher operating income.
Net interest income increased by 11.9% to RON 3,569 million (EUR 710 million) in 1-9 2025, from RON 3,190 million (EUR 641 million) in 1-9 2024, supported by increased business volumes.
Net fee and commission income improved by 5.6% to RON 863 million (EUR 172 million) in 1-9 2025, from RON 817 million (EUR 164 million) in 1-9 2024, on the back of stronger transactional, lending and insurance activity.
Net trading & FV result decreased by 7.5% to RON 382 million (EUR 76 million) in 1-9 2025, from RON 413 million (EUR 83 million) in 1-9 2024.
Operating income increased by 8.5% to RON 4,839 million (EUR 963 million) in 1-9 2025, from RON 4,461 million (EUR 897 million) in 1-9 2024.
Summary:
- Year-on-year growth of BCR’s business as of 30 September 2025: a 7.0% increase in net assets, an 11.2% rise in net profit, higher operating revenues by 8.5%, and a 9.0% growth in operating result, all driven by a higher customer business volume.
- First bank in Romania with a fully digital mortgage refinancing process. Over 9,000 clients accessed a mortgage loan directly in George during the first nine months of 2025, through purchase, refinancing, or offer reservation. In addition, 8 out of 10 new BCR mortgage loans were for sustainable homes (Casa Mea Natura).
- Over 2.6 million Romanians benefited from financial literacy and personalized financial planning through the Money School program and the Financial Coaching service. In the first three quarters of 2025, through the George Benefits Program, 65% of clients who accessed a George loan benefited from a preferential interest rate, while 60% of those who set a savings goal opened a savings account.
- More than 7,000 financing products were granted to microenterprises and sole proprietors (PFAs), of which 60% were accessed digitally on George for business.
- More than 5,500 companies (including sole proprietors and microenterprises), supporting approximately 275,000 jobs, were financed by BCR in the first nine months of 2025. BCR granted RON 2.5 billion (EUR 500 million) in syndicated loans, RON 1.6 billion for public and local infrastructure projects, and RON 520 million through EIF programs.
- The stock of net customer loans granted by Banca Comercială Română (BCR Group) advanced by 5.9% year-on-year as of 30 September 2025.
- BCR generated new retail loans to individuals and micro businesses of RON 13.8 billion in 1-9 2025. The stock of unsecured consumer loans (including credit cards and overdrafts) increased by 20.0% yoy. At the same time, the stock of mortgage loans increased by 4.5% yoy, of which the standard mortgage loans (Casa Mea) increased by 23.0% yoy, counterbalanced by the declining Prima Casă loan portfolio.
- BCR approved new corporate loans of RON 11 billion in 1-9 2025, of which approximately 30% aimed for investments. The stock of corporate loans increased by 6.4% yoy. Most of the financing was directed towards energy, consumer goods, and public infrastructure, key sectors for the resilience and development of the economy. In Q3 alone, BCR granted RON 420 million in financing for projects supporting green energy, agriculture, infrastructure, and construction investments.
