The bank's net interest income was 20.2% higher compared to the first three quarters of 2024. Net fee and commission income saw a rise of 12.1% compared to the same period last year, reflecting increased banking activity.
Net trading income surged by 45.4% to RON 682.5 million (€134.23 million) on an individual basis over the first nine months of 2024.
Ömer Tetik, CEO of BT, said: "BT has recorded solid growth in its business, supported by significant investments in technology, network, team, and the bank's operational foundation, thus surpassing €20 billion in net loans. All these, together with the development of BT's infrastructure, are preparing the bank for new stages of development."
Individual net profit for BT alone stood at RON 2.92 billion (€574.30 million) as of September 2025, marking a 7.9% year-on-year increase. The bank achieved net loans and leasing receivables of RON 104.2 billion (€20.49 billion), representing a substantial 10.7% growth compared to 30 September 2024. This expansion pushed the bank's net loans past the €20 billion threshold.
The growth was further underlined by robust organic lending: RON 16 billion (€3.15 billion) was extended to corporates and RON 10.5 billion (€2.07 billion) to retail clients in the first nine months of the year.
This aggressive lending led to the individual gross loan-to-deposit ratio surpassing the 65% threshold
