The Romanian bank's corporate segment led growth with a 17% increase, while retail lending rose 10%.

The bank significantly expanded its sustainable financing portfolio, reaching €919 million in 2025. Notable transactions included acting as lead arranger for a €190 million sustainability-linked loan to NE Property and serving as Green Loan Coordinator for a RON 1.7 billion (€330 million) facility to Distribuție Energie Oltenia. BRD also launched Romania's first sustainability-linked loan product for SMEs and established a strategic partnership with Auchan to support supply chain decarbonisation.

Digital banking continued to gain traction, with YouBRD mobile users reaching 1.87 million, up 13% year-on-year. Transactions through the platform increased 25% to 38.2 million, totalling RON 63.8 billion (€12.53 billion). BRD Asset Management consolidated its leading position in the UCITS market with a 25.3% market share and assets under management of RON 9.3 billion (€1.82 billion), up 51% year-on-year.

Net banking income rose 8% to RON 4.35 billion (€854.61 million), driven by both interest and fee income. However, operating expenses increased 10% to RON 2.22 billion (€436.73 million), partly due to higher taxes on gross revenues. The bank maintained solid asset quality with an NPL ratio of 2.4%, below the banking system average of 2.7%.

The bank's board proposed a dividend payout ratio of 50% of 2025 net results, subject to shareholder approval. "Throughout 2025, despite an even more tense and challenging environment, BRD remained committed to supporting its customers and the Romanian economy," said CEO Maria Rousseva.