Operating revenues rose by 8.5% to RON4.83 billion (EUR963 million).
The operating result improved by 9% to RON3 billion (EUR616 million).
Net interest income increased by 11.9% to RON3,569 million (EUR710 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 RON863 million (EUR172 million) in 1-9 2025, from RON817 million (EU 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.
General administrative expenses, aligned with the delivery of strategic projects, reached RON 1,740 million (EUR 346 million) in 1-9 2025, up by 7.5% compared to RON 1,620 million (EUR 326 million) in 1-9 2024, mainly due to higher IT and personnel expenses.
As such, the cost-income ratio improved to 36.0% in 1-9 2025, versus 36.3% in 1-9 2024.
In the retail banking business, BCR generated new 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.
In the corporate banking business, BCR approved new 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.
(English version by Catalina Apostoiu)