BCR Group recorded a net profit of RON 3,320 million (EUR 658 million) in 2025, up by 20% YoY. 2.34 million active George app users, up by 8.5% YoY.

Year-on-year growth of BCR’s business as of 31 December 2025: a 9.2% increase in net assets, a 20%
rise in net profit, higher operating revenues by 7,2%, and an 8,2% growth in operating result, all driven by a higher customer business volume.

Digital transformation, a central pillar of BCR Leasing’s strategy, continued to enhance customer experience through simpler and more efficient solutions. As a result, 49% of early repayment requests were processed through the virtual assistant LEA, integrated into the Self-Service platform. The number of active users on the platform increased by 20% compared to 2024, while interactions with the LEA chatbot were 63% higher than in the previous year.

Additionally, approximately 86% of customers who updated their information in the system chose the fully digital process, regardless of their ownership structure.

Accelerated digitalization
. 2.34 million active George app users, up by 8.5% year-on-year;

. accelerated adoption of digital retail products, with 94% of products for individual clients (current account openings, mortgage and consumer loans, savings accounts, deposits, insurance, and investment products) sold through a fully digital process, compared to 87% in 2024;

. Lifecycle financial protection supported by increased uptake of insurance and private pension products. The total insurance portfolio grew by 20% versus 2024, while the number of clients holding at least one insurance product increased by 13%. BCR combines commercial activity with financial education and prevention initiatives, with 70% of unsecured loans including life and unemployment insurance, and 99% of secured loans including life insurance.

. 97% 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 58% increase of new enrollments in 2025 compared to the same period last year, and the BCR PLUS Optional Pension Fund (Pilar III) now has over 175,000 participants building their future with BCR Pensii.

. Democratization of access to investments, with 97% of retail investment transactions in 2025 executed through fully digital journeys in George. The number of clients holding at least one investment product increased by 27% versus 2024, while recurring investment plans (Capital Plan) grew by 47%, confirming our focus on long-term financial planning and investment recurrence.

. Approximately 170,000 companies are enrolled in George for Business, Romania’s unique digital ecosystem. In 2025, over 76% of eligible clients opened their banking relationship through George, while more than 60% of loans to microenterprise clients were originated through the available digital products: Digital Overdraft, George Smart Credit and the George Credit Card.

. BCR expanded its portfolio of digital solutions for corporates, and as of December 2025 merchants can enroll in the RoPay system directly via George, benefiting from payment settlement in up to 10 seconds, immediate funds availability, optimized processing costs, simplified payment-to-delivery reconciliation, rapid implementation, and a high level of security and operational availability.

Customer engagement transformation

. BCR is the first bank in Romania to introduce RoPay Alias, providing a fully digital banking experience
for its clients. Users can request or transfer money instantly using only a mobile phone number, without an IBAN, in a secure, efficient, and easy manner.

. Over 22% of customers accessed a mortgage through a 100% digital journey in George, compared to
9% in 2024. December 2025 reached a record level, with 30% of customers choosing George to originate
their mortgage. BCR is the first bank in Romania to fully digitalize the most complex retail lending
product, offering end-to-end digital journeys in George for both mortgage origination and refinancing.

. Over 2.1 million BCR products were opened through a fully digital process in 2025, marking a 16% increase compared to 2024.

. BCR clients received over RON 37 million through George Moneyback, the loyalty programme that
rewards users with cashback for card payments. George Moneyback has now reached over 1.46 million
users, up 7% compared to 2024.

. BCR further strengthened its portfolio of strategic partnerships supporting the growth of its digital ecosystem, through collaborations with leading brands in retail, e-commerce, mobility and services, such as eMAG, Kaufland, Bolt, OLX, Dedeman and Vodafone, alongside OMV, Mega Image and Uber. In addition, the George Store offering was expanded through new partnerships in travel, entertainment, mobility and shopping, including Animawings, Paralela 45, Dertour, Voxa, Uber and Freshful.