BRD H1 2026 results: net profit of RON 784 million, +2.5% YoY. You BRD users rise to 1.96 million, +11% YoY. 23 branches were closed.

BRD reported a Net profit of RON 784 million, +2.5% YoY, adjusted ROE of 17% in H1 2026, excluding tax on turnover. Also, the bank continued expansion in the use of e-banking services, reflected in the rising number of YOU BRD users, to 1.96 million, +11% YoY as of June 2026 end and increasing volumes of transactions, + 22% YoY in H1 2026.

Digital banking
Customer engagement through digital channels increased further, reflected in the growing number of YOU BRD users (1.96 million at June 2026 end, +11% YoY) and higher number of transactions via YOU BRD (22 million, +22% YoY), totaling RON 35.2 billion (+22% YoY). In addition, 62% of YOU BRD users were enrolled in the cashback loyalty program with a cumulative RON 4.8 million cashback granted over 2 years since its launch.

The total number of branches reached 334 as of June 30th , 2026 (-23 YoY), while offering 24H self service capabilities for cash transactions in 268 locations.

Lending & deposit activity

Net loans outstanding, including leasing financing, reached RON 58.3 billion, increasing by +11.6% YoY (out of which net outstanding of leasing financing advanced by +1.6% YoY). Growth was recorded across both corporate and retail client segments despite persistent macroeconomic headwinds. Corporate lending stood out as the primary driver of portfolio expansion (+16.5% YoY) supported by strong activity in the large corporate segment. Retail loans also made a solid contribution, with net loans outstanding increasing by +8.0%, underpinned by resilient demand for housing loans.

Total deposit base reached RON 73.7 billion, up by +4.1% YoY, with higher inflows from private individuals. Retail deposits, a stable and granular funding source, rose by +7.4% YoY due to higher collections from the private individuals’ segment. Corporate deposits decreased by -1.1% YoY mainly reflecting balance sheet adjustments driven by liquidity considerations, market conditions and large corporates’ fluctuating business funding needs.

Financial performance
During H1 2026, BRD Group’s revenues reached RON 2,206 million, up by +1.8% YoY.
Net interest income, accounting for 70% of net banking income, totaled RON 1,548 million in H1 2026, +1.4% YoY, „reflecting sustained balance sheet expansion, which was partly offset by margin compression mainly related to lower loan yields and rising funding costs”.

Net fees and commissions amounted to RON 452 million in H1 2026 (vs. RON 453 million in H1 2025), remaining broadly stable year-on-year. „Growth in client activity and solid revenues from custody, brokerage and asset management business, and off-balance sheet commitments, were offset by lower service fee income, reflecting lower service income following inactive accounts clean-up.” – the bank explained

The loan book quality continued to remain solid during H1 2026, with the Bank’s NPL ratio reaching 2.7% at June 2026 end, below the banking system average of 2.9% as of May 2026 end, while maintaining a comfortable Bank NPL coverage level (65.6% at June 2026 end). Net cost of risk shows limited increase compared to the same period of the last year, with RON 147 million net provision allocation vs RON 142 million in H1 2025, on the combined effect of portfolio evolution and review of macroeconomic expectations.