BCR achieved a net profit of RON 1,473 million (EUR 294 million) in H1 2025, up by 12.0 percent against RON 1,314 million (EUR 264 million) in H1 2024, driven by improved operating result underpinned by advance in customer business.

Operating result improved by 11.9 percent to RON 2,084 million (EUR 417 million) in H1 2025, from RON 1.862 million (EUR 374 million) in H1 2024, on the back of strong increase in operating income, partly offset by increase in operating expenses.

“In the first six months of the year, we focused on responsible financing, secure digital infrastructure, and real support where the economy needs capital and confidence. We continued investing in modernizing BCR’s platforms, in cybersecurity, and our ability to provide clients with clarity, efficiency, and solutions firmly grounded in reality. We support over 10,000 active companies with concrete economic impact and continously strenghten our relationship with more than 3 million clients through advice, planning, and tools that help them maintain their financial health.

We will continue to evolve as a bank for people and communities, a long-term partner distinguished by expertise, a deep understanding of the economic context, and responsible execution capabilities. We are grateful to all BCR clients, as they entrusted us with their plans, dreams and financial decisions, inspiring us to be better every day.” – Sergiu Manea, CEO Banca Comercială Română (BCR).

• The stock of net customer loans granted by Banca Comercială Română (BCR Group) advanced by 4.3% year-on-year as of 30 June 2025.
• New loans of RON 9 billion granted in H1 2025 to households (mortgage and unsecured consumer) and microenterprises. The stock of unsecured consumer loans (including credit cards and overdrafts) increased by 27.5% yoy. At the same time, the stock of standard mortgage loans (Casa Mea) granted in local currency increased by 19.4% yoy, with Prima Casă loan portfolio impacted by declining demand.
• New corporate loans of RON 7.5 billion approved in H1 2025, of which approximately 34% are aimed for investments.
• More than RON 1.6 billion (EUR 320 million) in sustainable corporate financing, with a volume more than double compared to H1 2024. The majority of these financings are renewable energy and distribution network projects, with BCR being the main partner for this type of investments and initiatives developed in Romania.
• The Casa Mea Natura loan, designed for the purchase of housing with energy certificate A and B, accounted for 80% of new mortgage loans granted in H1 2025, up from last year’s average of 69%, and with a volume nearly triple compared to H1 2024.
• 64 million users of George digital ecosystem (internet banking and mobile banking), of which 2.28 million active George app users up by 14% year-on-year.
• Accelerated growth in insurance and private pension product adoption. 90% of all BCR protection and insurance products purchased through a 100% digital flow directly in George, with a 22% year-on-year increase in the total number of active policies. Additionally, BCR, in partnership with OMNIASIG Vienna Insurance, launched the individual health insurance product Medical Protect, available directly in the George app, offering retail clients a modern and affordable health protection solution.
• In Q2 2025, 98% of clients joined the BCR Plus Optional Pension Fund (Pillar III) through the fully digital flow available in George. This enhanced digital experience led to a 100% increase of new enrollments in H1 2025 compared to the same period last year, and the BCR Plus Optional Pension Fund (Pilar III) now has over 167,000 participants building their future with BCR Pensii.
• Over 160,000 companies are enrolled in George for business, a unique digital ecosystem in Romania. In Q1 2025, more than 70% of eligible customers started their relationship with the bank through Digital Onboarding, and almost 70% of the microenterprise lending was granted through our portfolio of digital products including Digital Overdraft, George Smart Credit, and George Credit Card.