BCR reports net profit of 742 million RON, up 19.8 percent in Q1 2025

BCR achieved a net profit of RON 742 million (EUR 149 million) in Q1 2025, up by 19.8 percent against RON 620 million (EUR 125 million) in Q1 2024, driven by improved operating result underpinned by significant advance in customer business.

Operating result improved by 15.7 percent to RON 1,062 million (EUR 214 million) in Q1 2025, from RON 918 million (EUR 185 million) in Q1 2024, on the back of strong increase in operating income and well managed operating expenses.

Net interest income increased by 15.2 percent to RON 1,191 million (EUR 239 million) in Q1 2025, from RON 1,034 million (EUR 208 million) in Q1 2024, driven by higher business volumes.

General administrative expenses reached RON 541 million (EUR 109 million) in Q1 2025, up by 7.2 percent in comparison to RON 505 million (EUR 101 million) in Q1 2024, on the back of higher IT costs to support strategic projects together with slightly higher personnel expenses.

“We continuously invest in our relationship with clients, which is why we created the George Benefits Program – the first banking loyalty program in Romania. Over 1.4 million BCR clients are already benefiting from this new way of doing banking, which enhances financial planning and rewards users with personalized offers tailored to their financial goals. We treat our relationship with the business community with the same sense of responsibility, recognizing our role in supporting and accelerating the competitiveness of SMEs. We stand by entrepreneurs with expertise and tailored solutions that bring clarity and predictability, helping them build growth strategies in an increasingly complex world,” said Sergiu Manea, CEO Banca Comercială Română.

In retail banking business, BCR generated total new loans to individuals and micro businesses of over RON 3.2 billion in Q1 2025. The stock of unsecured consumer loans (including credit cards and overdrafts) increased by 41.4 percent yoy. At the same time, the stock of standard mortgage loans (Casa Mea) in local currency increased by 14.1 percent yoy, with Prima Casă loan portfolio impacted by declining demand.

In corporate banking business, BCR approved new corporate loans of RON 3.5 billion in Q1 2025, of which approximately 42 percent are aimed for investments. 

In Q1 2025, BCR Leasing’s financing portfolio reached a value of RON 4.73 billion (EUR 950 million), marking an 11 percent increase compared to Q1 2024. The volume of new financing also rose by 20 percent year-on-year. BCR’s leasing subsidiary continued to support the Romanian entrepreneurial ecosystem, registering the strongest growth in the transport, healthcare, and retail sectors.

In Q1 2025, BCR Leasing accelerated the digitalization of its customer services, launching a new feature for the virtual assistant LEA, integrated within the Self Service platform. This new functionality allows clients to make partial or full early repayments through a fully digital process. Since its launch, 21 percent of early repayment requests have been submitted via the digital flow.