Over 1 million BCR retail products sold in H1 2026 directly through George – 2.38 million active users of the George mobile app. Net profit of RON 1,205 million (EUR 234 million).

Over 1 million retail products sold through a 100% digital flow, with 1.4 million customers benefiting from discounts under the George Benefits Programme and over 500,000 accessing loans and deposits at preferential rates.

Digital activity

In H1 2026, 1 in 3 new mortgage customers in Romania chose BCR, and over 40% of BCR mortgages were granted through the fully digital flow in George, up from 17% in the same period last year. BCR is the only bank in Romania to offer an end-to-end digital process, from approval through to signing the mortgage agreement (for both home purchase and refinancing, including from other banks), which can cut the time to grant a loan to just 5 working days.

. 2.38 million active users of the George mobile app and over 1 million BCR retail products sold in H1 2026 directly through George, in a simple and fast digital experience; 1.4 million customers benefiting from discounts under the George Benefits Programme and over 500,000 accessing loans and deposits at preferential rates.

. BCR is widening access to investment and investor education, and subscriptions to Capital Plan, the recurring investment plans with a minimum threshold of 100 lei rose by 61% against H1 2025.

. George Business, the smart banking platform for SMEs and large companies, currently has over 11,000 customers and processes monthly transactions worth 12 billion euro, the equivalent of approximately 3% of Romania’s annual GDP. Since Q2 2026, over 8,800 customers have had access to FX Pro, the currency exchange feature offering a rate negotiated directly in the platform across 66 currency pairs. In June, 85% of the FX volumes placed in George Business were executed through FX Pro

BCR continues to accelerate the democratization of access to investment: 98% of retail investment transactions in H1 2026 were carried out through the fully digital flow in George. The number of customers holding at least one investment product advanced by 25% against H1 2025, and recurring Capital Plan investment plans rose by 61% over the same period. BCR has also launched an investment advisory service, fully digital in George and available to all the bank’s customers. The programme is part of BCR’s investor education work, designed to help every investor understand the mechanics and specific features of the products they invest in. To date, over 107,000 customers have completed the Investment Knowledge and Experience questionnaire.

. Financial protection across the whole life cycle, through support for take-up of insurance and private pension products.
– The total insurance portfolio grew by 11% against H1 2025, and the share of digital new sales of insurance products reached 93% of total sales. BCR combines the commercial side with financial education and prevention work: 70% of customers taking out unsecured loans also hold life and unemployment cover, and 90% of customers with secured loans hold life cover.
– 98% of customers joined the BCR PLUS Voluntary Pension Fund (Pillar III) through the digital flow, directly in George. The digitalization of the experience drove a 13% increase in new enrolments in H1 2026 against the same period of 2025, and the BCR PLUS Voluntary Pension Fund has reached over 185,000 participants building their financial future with BCR Pensii.

. Approximately 1.5 million BCR customers, users of the Moneyback loyalty programme, which rewards card payments with cash back, have to date received over 40 million lei in cashback.

Lending & deposit activity

The stock of net customer loans granted by Banca Comercială Română (BCR Group) advanced by 9.9% year on year as of 30 June 2026.

In the retail banking business, BCR granted new loans to individuals and microenterprises totaling 7.3 billion lei in H1 2026. The mortgage loan portfolio grew by 18.2% year on year, of which standard mortgage loans (Casa Mea) recorded a 37.7% year on year increase, partly offset by repayments of Prima Casă loans. At the same time, the stock of unsecured consumer loans (including credit cards and overdrafts) registered a slight decline by 2.3% year on year, reflecting a high comparison base driven by the exceptionally strong level of new loan production in the same period of last year.

In the corporate banking business, BCR approved new loans worth approximately 6.5 billion lei in H1 2026, nearly half of which are allocated to investments. The corporate loan portfolio grew by 11.7% year on year. Out of total financing granted, 3.2 billion lei was directed towards strategic sectors of the economy (energy, agriculture, real estate, infrastructure and construction), reaffirming BCR’s role in supporting the real economy and projects with long-term structural impact.

Deposits from customers slightly increased by 0.8% compared with 31 December 2025, reaching RON 93,806 million (EUR 17,889 million) as of 30 June 2026, driven by the increase in retail deposits.

Risk Costs and Asset Quality

The net result from the impairment of financial instruments amounted to RON 352 million (EUR 68 million) in H1 2026, as compared to a provision allocation of RON 104 million (EUR 21 million) in H1 2025. The current result reflects the periodic recalibration of credit risk parameters amid a more challenging macroeconomic and geopolitical context. The loan portfolio quality remained fairly stable, with regular NPL formation, partially offset by recoveries, including proceeds from the sale of a selected unsecured portfolio.

The NPL ratio for BCR Group, calculated according to Erste Group methodology, increased moderately to 2.9% as of June 2026 against December 2025, albeit slightly down vs March 2026 due to targeted NPL management actions. NPL provisioning coverage stood comfortably at 133% as of June 2026.

Financial performance

BCR delivered a resilient financial performance in H1 2026, reporting a net profit of RON 1,205 million (EUR 234 million). „The result was underpinned by continued growth in customer business volumes across key segments, despite a challenging market environment.” the bank said.

Operating result increased slightly by 1.6% year on year to RON 2,116 million (EUR 412 million) in H1 2026, „supported by higher operating income, partially offset by increased operating expenses”.

Net interest income amounted to RON 2,365 million (EUR 460 million) in H1 2026, marginally below the level recorded in H1 2025. „This evolution reflects ongoing margin pressure in a highly competitive market.”

Net fee and commission income grew by 15.5% year on year to RON 632 million (EUR 123 million) in H1 2026, driven by stronger transactional activity as well as intensified acquisition of insurance and investment products by the customers. „This performance highlights the continued relevance of diversified income streams.”

Sergiu Manea, CEO of BCR: „Looking ahead, we are financing the sectors that can take Romania from an economy that competes on price to one that wins on value.”