Net interest income slightly increased by 1.0% year on year to RON3.6 billion (EUR 696 million) in 1-9 2026, reflecting higher business volumes and an optimized balance sheet structure, which compensated the impact of a highly competitive environment.
At end-September 2026, BCR group total assets reached RON134.8 billion, up 2.2% from the RON131.9 billion registered at end-2025.
The group’s net profit shrank by 18.6% from the first nine months of last year. According to BCR, the year-on-year comparison is affected by the one-off gain booked in other operating result in September 2025.
Instead, the operating result increased by 4.1% year on year to RON3,22 billion (EUR 623 million) in 1-9 2026, supported by higher operating income, partially offset by increased operating expenses.
Net fee and commission income grew by 17.8% year on year to RON 1,016 million (EUR 196 million) in 1-9 2026, reflecting stronger customer activity across transactional, insurance and investment products, supported by an expanding client base and increased customer adoption of the bank’s products and services. This performance highlights the continued relevance of diversified income streams.
Net trading and fair value result rose by 17.8% year on year to RON 451 million (EUR 87 million) in 1-9 2026.
The NPL ratio for BCR Group, calculated according to Erste Group methodology, remained rather stable year to date at 2.8% as of September 2026, due to targeted NPL management actions. NPL provisioning coverage stood comfortably at 128% as of September 2026.
The stock of net customer loans granted by Banca Comercială Română (BCR Group) advanced by 10.9% year on year as of 30 September 2026.
BCR granted new retail loans to individuals and microenterprises totaling RON10.8 billion in 1-9 2026. The mortgage loan portfolio grew by 15.1% year on year, of which standard mortgage loans (Casa Mea) recorded a 29.2% year on year increase, partly offset by repayments of Prima Casă loans. ⎯ BCR approved new corporate loans worth approximately RON11.9 billion in 1-9 2026.
The corporate loan portfolio grew by 14.2% year on year. Of the total financing granted, RO 6.5 billion went to strategic sectors of the economy, supporting projects in energy, agriculture, real estate, infrastructure and construction.
Over RON4.4 billion in new sustainable financing, retail and corporate, of which more than RON2.2 billion for renewable energy investments and over RON1.8 billion for the purchase of energy-efficient homes through the Casa Mea Natura mortgage product.
Deposits from customers increased by 4.1% compared with 31 December 2025, reaching RON 96,873 million (EUR 18,351 million) as of 30 September 2026, driven by the increase in both retail and corporate deposits.
Total (Tier 1+2) capital ratio of BCR Group stood at 22.6% as of September 2026 (preliminary, own funds including profit), well above the regulatory requirements of the National Bank of Romania and clearly reflecting BCR’s strong capital and funding positions.
George Business, the smart banking platform for SMEs and large companies, currently has over 12,000 clients and processes monthly transactions worth over EUR 12 billion, equivalent to approximately 3% of Romania’s annual GDP. In the first nine months of 2026, over 1,000 letters of guarantee were issued fully digitally through the platform. In addition, in Q3 2026 alone, over 1,400 companies carried out 27,000 FX transactions through FX Pro, at a rate negotiated directly in the platform, with a total volume of over EUR 1 billion.
„Romania’s next stage of growth will depend on how well we turn knowledge into innovation and finished products, designed and created here. In a world where technology and geopolitics are reshaping global value chains, what makes the difference is how quickly we understand where we stand. Our role is to be a trusted guide for our clients, to give them the tools and expertise to turn data into decisions, and to stay with them throughout the journey, so they can have full control and clarity,” states Sergiu Manea, CEO of Banca Comerciala Romana.
BCR operates a network of 282 retail units, 19 business centers and 15 mobile corporate offices.
(English version by Catalina Apostoiu)