Net interest income climbed by 7,8% to RON4.7 billion (EUR941 million), with the advance reflecting higher business volumes and optimized balance sheet structure.
Operating result improved by 8.2% to RON4.1 billion (EUR821 million) amid rising operating income.
BCR mentions that in September 2025 the group recorded a one-off income of RON388.9 million as a result of the favorable High Court ruling from 2024 becoming final and MDLPA decision no. 201286/26.09.2024 becoming final, thus allowing for the reversal of the previously recognized liability. The favorable ruling referred to the legal action initiated by BCR BpL subsidiary in 2022 for the cancelation of accessory budgetary obligations, based on the special provisions of Government Emergency Ordinance no.69/2020.
Net loans and advances to customers increased by 9.3% to RON72.96 billion (EUR14.31 billion) at the end of 2025, supported by the advance in both retail and corporate segments.
Deposits from customers rose by 2.3% to RON93.08 billion (EUR18.26 billion) driven by the increase in retail deposits.
In the retail banking business, BCR generated new loans to individuals and microbusinesses worth RON17.8 billion up 14.3% from 2024.
On the corporate segment, BCR in 2025 approved new loans worth RON16.1 billion, up 15.3% from the previous year.
The NPL ratio, calculated according to Erste Group methodology, stood at 2.7%, broadly in line with 2.6% recorded in December 2024. The stable year-on-year evolution reflects the positive lending dynamics, solid portfolio quality and the efficient NPL management measures taken during the year.
(English version by Catalina Apostoiu)