Operating results also showed strong upward momentum, improving by 8.2% to reach RON 4.14 billion (€821 million). This was supported by a 7.2% advance in total operating income, which reached RON 6.53 billion (€1.30 billion).

Despite inflationary pressures and increased investments in strategic projects causing a 5.5% rise in administrative expenses, the bank successfully improved its cost-to-income ratio to 36.7%, down from 37.3% in the previous year.

The bank's lending activities remained robust, with the stock of net customer loans increasing by 9.3% year-on-year to RON 72.96 billion (€14.31 billion).

Retail lending was particularly strong, with new loans to individuals and micro-businesses rising by 14.3% to RON 17.8 billion (€3.53 billion). Furthermore, the corporate segment saw new loan approvals of RON 16.1 billion (€3.19 billion), with a significant focus on energy and public infrastructure.