Operating income edged 0.3% higher to RON1.6 billion due to higher income from commissions and trading activity.
Operating result reached RON1,044 million (EUR205 million) in Q1/2026, marginally below the level of Q1/2025. This evolution reflects operating expenses increasing at a faster pace than operating income, driven by ongoing strategic investments and inflationary pressures.
Net interest income slightly declined by 1.4% compared with Q1/2025, reaching RON1,174 million (EUR230 million) in Q1/2026, impacted by margin pressure in a highly competitive market.
Net fee and commission income grew by 6.8% year-on-year to RON305 million (EUR60 million) in Q1/2026, supported by stronger transactional activity, lending growth, and higher insurance and investment related fees. This performance confirms the continued relevance of diversified income streams.
Net trading result increased by 4.1% year-on-year to EUR25 million. As a result, operating income inched up 0.3% year-on-year to EUR316 million, driven by higher fee and trading income.
The NPL ratio for BCR Group increased moderately to 3.0% as of March 2026 against December 2025. NPL provisioning coverage stood at 129% as of March 2026. Total capital ratio stood at 24.9% as of March 2026, well above regulatory requirements and reflecting BCR’s strong capital position.
“We are at an economic inflection point, and the first three months of 2026 have reflected the combined impact of escalating geopolitical tensions, rising inflationary pressures, and disruptions in the global distribution of oil and gas. The direct effects are visible in higher risk costs, as well as in a decline in investment appetite and consumption, also influenced by local fiscal and political volatility. Together, we can transform this challenging moment into one of structural modernization of the economy. This is why we continue to finance and support the development of infrastructure, digital transformation, innovation, and all investments that strengthen the labor market and build long-term economic credibility for Romania. Therefore, BCR’s message is simple: we believe in Romania and in its people, and we believe that Romania is the place where new generations choose to stay and build their future,” said Sergiu Manea, CEO of Banca Comerciala Romana.