The operational result improved by 11.9% to RON2.08 billion (EUR417 million) in H1 2025 due to strong growth in operating income, which was partly offset by a rise in operating expenses. Operating income grew by 10.8% to RON3.21 billion (EUR643 million) driven by growth in all three main income components.
Net interest income increased by 12.9% to RON2.37 billion (EUR474 million), while the net commission income improved by 4.3% to RON 548 million (EUR109 million), supported by a higher volume of transactions from lending and insurance activities.
Net trading and fair value results from financial instruments increased by 9.0% to RON 276 million (EUR55 million). General administrative expenses rose by 8.7% to RON1.13 billion (EUR226 million) as a result of higher IT expenses for strategic projects and increased personnel costs.
“In the first six months of the year, we focused on responsible financing, secure digital infrastructure, and real support where the economy needs capital and confidence. We continued investing in modernizing BCR’s platforms, in cybersecurity, and our ability to provide clients with clarity, efficiency, and solutions firmly grounded in reality. We support over 10,000 active companies with concrete economic impact and continuously strengthen our relationship with more than 3 million clients through advice, planning, and tools that help them maintain their financial health,” said Sergiu Manea, CEO of BCR.
The non-performing loan (NPL) ratio temporarily increased to 3.5% in June 2025, compared to 2.6% in December 2024. This was attributed to a normal level of new non-performing loan formation across both the retail and corporate segments, along with a few isolated cases of larger corporate exposures becoming non-performing.
BCR anticipates that the NPL ratio will decrease by the end of the year as a result of future measures to reduce the volume of non-performing loans.
The bank’s capitalization remained strong, with a Group Common Equity Tier 1+2 ratio of 23.0% in May 2025. Net loans and advances to customers were stable at RON 66.43 billion (€13 billion) as of June 30, 2025. Customer deposits saw a decrease of 5.2% to RON86.2 billion (EUR16.9 billion).
Meanwhile, Erste Group, owner of BCR, ended H1 2025 with a net profit attributable to owners of the parent company of EUR1.66 billion, a 2.2% increase compared to the EUR1.62 billion recorded in H1 2024. The operating result remained stable at EUR2.96 billion.