The number of individual customers rose by over 35% and 85% of the new clients preferred the digital onboarding experience.
”We have a good pace in execution of our strategy to be the best financial consultants for all of our clients in all their needs with our Banking 1:1 approach. The great results for the first 6 months are another proof of that. Our customers benefit from increasingly simple and intuitive digital experiences in their day-to-day interaction with the bank. We are systematically democratizing financial planning; our teams have stronger and stronger tools to support our clients to make the right decisions for their financial future,” stated Zdenek Romanek, President & CEO, Raiffeisen Bank Romania.
Both lending and saving followed an upward trend in the first half. Net loans reached RON45.9 billion, up 12% in annual terms, while deposits rose to RON65.5 billion.
Private individual loans registered an 11% increase compared to the same period last year, a development supported by highly competitive lending conditions, which generated a remarkable volume of new loans. Both unsecured consumer loans (+12% year-on-year) and secured loans (+9% year-on-year) contributed significantly to this positive dynamic.
Corporate loans recorded the highest growth, reaching RON 20.8 billion in the first semester of 2025, up by 17% compared to the same period last year. In the first 6 months of the year, the volume of SME loans increased by 6% as compared to the same period last year.
Deposits attracted from individuals registered a 15% annual increase, fueled both by the preference for savings products and the continued robust pace of net inflows into current accounts.
Corporate client deposits recorded a remarkable year-on-year increase of 28%.
Operating expenses increased by 5% compared to the previous year.
In the factory by Raiffeisen Bank program, created to support innovation among early-stage entrepreneurs, over 230 projects were registered in the first semester. The factory by Raiffeisen Bank community brings together more than 600 entrepreneurs, with funding granted totaling over EUR33 million.
Raiffeisen Leasing reports a 14% increase in its financing portfolio granted to clients in the first half of the year, compared to the end of 2024, as well as maintaining a good level of portfolio performance. The main categories of financed assets were trucks used for domestic and international transport, passenger cars, and light commercial vehicles. “Green” assets, such as energy-efficient vehicles and equipment, registered increases, supported by the company’s sales strategy, which promotes sustainable financing solutions for projects and activities with a positive environmental impact.
(English version by Catalina Apostoiu)