CEC Bank ended the first half of 2025 with net assets of RON 99.42 billion, a 7% increase compared to the same period last year. The bank’s net profit reached RON 304.1 million, up 12.8% year-on-year, while group-level profit stood at RON 306.2 million, marking a 9.4% increase.

In the first six months, the bank granted over 42,000 new loans, totaling RON 5.5 billion. About RON 2 billion went to individual borrowers and over RON 3.5 billion to businesses, including RON 500 million to newly onboarded clients. Key sectors financed included agriculture, industry, commerce, and construction.

Digital investment rose by 42% year-on-year, reaching nearly RON 61 million. Loan origination through digital channels grew by 70%, and online sales of current account packages increased by 25%. CEC Bank expanded its CEC_IN platform, launched RoPay and enhanced Visa Multicurrency card functionalities.

In early 2025, the bank secured European Commission approval for a RON 1 billion capital increase to support banking operations. The total capital adequacy ratio reached 29.03%, up from 22.38% in 2024.

Net interest income grew by 23%, and fee income by 12.3%, leading to a cost-to-income ratio improvement to 49.89%. Fitch Ratings reaffirmed the bank’s long-term BB rating with a stable outlook. CEC Bank remains the top primary dealer for government bonds in Romania.

“We remain committed to digital transformation, expansion, and supporting the real economy. These results confirm CEC Bank’s ability to deliver sustainable growth and profitability in a challenging economic environment,” the bank’s management stated in the financial report.