Banca Comercială Română (BCR) reported a net profit of RON 2.467 billion (EUR 491 million) for the first nine months of 2025, marking an annual increase of 11.2%. This performance was underpinned by the expansion of the bank’s client business, higher operating revenues, and continued momentum in retail and corporate lending.

The bank recorded RON 13.8 billion in new retail loans to individuals and microenterprises and approved RON 11 billion in new corporate loans in the January–September period. BCR’s total net loan portfolio rose by 5.9% year-on-year, while corporate loan stock advanced by 6.4%.

Operational revenues grew by 8.5% to RON 4.839 billion, and the operating result increased by 9.0% to RON 3.099 billion. Net interest income contributed RON 3.569 billion (+11.9% y/y), supported by increased lending volumes. Meanwhile, net fee and commission income reached RON 863 million (+5.6%).

Digital banking played a critical role in BCR’s performance. Over 2.32 million clients used the George mobile platform, up 12% year-on-year. In the same period, more than 94% of individual banking products were sold fully online, and over 1.6 million products were opened digitally. BCR also became the first bank in Romania to fully digitize the mortgage refinancing process, with over 9,000 clients accessing mortgages via George.

In terms of sustainability, BCR granted over RON 2.5 billion (EUR 500 million) in sustainable corporate financing – a 27% increase compared to the same period in 2024. Over half of this volume was directed towards renewable energy and distribution networks. Notably, 80% of new mortgage loans were for sustainable homes under the Casa Mea Natura product.

The bank also deepened its social impact with educational programs reaching over 2.6 million people. Financial coaching sessions and the Școala de Bani project saw over 1.7 million and 912,800 participants, respectively, as BCR continued to promote financial literacy across all age groups.

On the corporate side, BCR supported over 5,500 companies and participated in RON 2.5 billion syndicated loans. The bank also contributed RON 1.6 billion to public infrastructure projects and allocated RON 520 million through European Investment Fund programs. Its leasing arm registered a 10% rise in new financing, with significant growth in funding for microenterprises and freelancers.

At the end of September 2025, BCR had a capital adequacy ratio of 22.3%, significantly above regulatory requirements. Total assets rose to RON 125.3 billion, a 7% increase compared to the end of 2024. Despite this, client deposits declined by 3.3%, largely due to a decrease in corporate deposits.

BCR contributed RON 614 million (EUR 122 million) to the state budget in taxes during the nine-month period.