The operational result improved by 11.9% to RON 2.08 billion (€417 million) in H1 2025 due to strong growth in operating income, which was partially offset by a rise in operating expenses. Operating income grew by 10.8% to RON 3.21 billion (€643 million) driven by growth in all three main income components.

Net interest income increased by 12.9% to RON 2.37 billion (€474 million), while the net commission income improved by 4.3% to RON 548 million (€109 million), supported by a higher volume of transactions from lending and insurance activities. 

Net trading and fair value results from financial instruments increased by 9.0% to RON 276 million (€55 million). General administrative expenses rose by 8.7% to RON 1.13 billion (€226 million) as a result of higher IT expenses for strategic projects and increased personnel costs.

Sergiu Manea, CEO of BCR, said: “We support over 10,000 active companies, with a concrete economic impact, and we are constantly strengthening our relationship with our more than 3 million clients, through advice, planning and instruments that help them maintain their financial health.”

The non-performing loan (NPL) ratio temporarily increased to 3.5% in June 2025, compared to 2.6% in December 2024. This was attributed to a normal level of new non-performing loan formation across both the retail and corporate segments, along with a few isolated cases of larger corporate exposures becoming non-performing. 

BCR anticipates that the NPL ratio will decrease by the end of the year as a result of future measures to reduce the volume of non-performing loans.

The bank's capitalization remained strong, with a Group Common Equity Tier 1+2 ratio of 23.0% in May 2025. Net loans and advances to customers were stable at RON 66.43 billion (€13 billion) as of June 30, 2025. Customer deposits saw a decrease of 5.2% to RON 86.2 billion (€16.9 billion).

Meanwhile, Erste Group, owner of BCR, ended H1 2025 with a net profit attributable to owners of the parent company of €1.66 billion, a 2.2% increase compared to the €1.62 billion recorded in H1 2024. The operating result remained stable at €2.96 billion.