The operational result improved by 15.7%, reaching RON 1 billion (€214 million) in Q1 2025 due to strong growth in operational income and sound management of operational expenses.
General administrative expenses totalled RON 541 million (€109 million), up 7.2% year-on-year. This rise was driven by higher IT expenditure to support strategic projects, along with slightly increased staff costs.
The non-performing loan ratio stood at 2.7% in March 2025, a marginal increase from the 2.6% recorded in December 2024.
Net loans and advances granted to customers remained stable compared to 31 December 2024, at a value of RON 66.7 billion (€13.4 billion) as of March 2025.
Customer deposits decreased slightly by 1.1% to RON 90 billion lei (€18 billion) at the end of Q1 2025, down from RON 91 billion (€18.3 billion) in Q4 2024.
In retail lending, BCR granted new loans to individuals and micro-enterprises exceeding RON 3.2 billion (€642 million) in Q1 2025.
In corporate lending, BCR approved new loans for companies amounting to RON 3.5 billion (€703 million) in Q1 2025, with approximately 42% allocated to investments.
The financing portfolio granted to BCR Leasing customers reached RON 4.73 billion (€950 million) in Q1 2025, an 11% increase compared to Q1 2024, while the volume of new financings increased by 20% compared to the same period last year.
