Copyright thediplomat
Year-on-year growth of BCR’s business as of 30 September 2025: a 7.0% increase in net assets, an 11.2% rise in net profit, higher operating revenues by 8.5%, and a 9.0% growth in operating result, all driven by a higher customer business volume. First bank in Romania with a fully digital mortgage refinancing process. Over 9,000 clients accessed a mortgage loan directly in George during the first nine months of 2025, through purchase, refinancing, or offer reservation. In addition, 8 out of 10 new BCR mortgage loans were for sustainable homes (Casa Mea Natura). Over 2.6 million Romanians benefited from financial literacy and personalized financial planning through the Money School program and the Financial Coaching service. In the first three quarters of 2025, through the George Benefits Program, 65% of clients who accessed a George loan benefited from a preferential interest rate, while 60% of those who set a savings goal opened a savings account. More than 7,000 financing products were granted to microenterprises and sole proprietors (PFAs), of which 60% were accessed digitally on George for business. More than 5,500 companies (including sole proprietors and microenterprises), supporting approximately 275,000 jobs, were financed by BCR in the first nine months of 2025. BCR granted RON 2.5 billion (EUR 500 million) in syndicated loans, RON 1.6 billion for public and local infrastructure projects, and RON 520 million through EIF programs. The stock of net customer loans granted by Banca Comercială Română (BCR Group) advanced by 5.9% year-on-year as of 30 September 2025. BCR generated new retail loans to individuals and micro businesses of RON 13.8 billion in 1-9 2025. The stock of unsecured consumer loans (including credit cards and overdrafts) increased by 20.0% yoy. At the same time, the stock of mortgage loans increased by 4.5% yoy, of which the standard mortgage loans (Casa Mea) increased by 23.0% yoy, counterbalanced by the declining Prima Casă loan portfolio. BCR approved new corporate loans of RON 11 billion in 1-9 2025, of which approximately 30% aimed for investments. The stock of corporate loans increased by 6.4% yoy. Most of the financing was directed towards energy, consumer goods, and public infrastructure, key sectors for the resilience and development of the economy. In Q3 alone, BCR granted RON 420 million in financing for projects supporting green energy, agriculture, infrastructure, and construction investments.
