Increased business activities with clients and notable advancements in financial economy, digital banking, and educational support, as per BCR Group's 2024 report.
In the year 2024 and the first half of 2025, BCR (Banca Comercială Română) demonstrated impressive growth in loans and investments across various sectors.
BCR granted new loans totalling RON 9 billion to households (mortgage and unsecured consumer) and microenterprises in the first half of 2025, with the stock of net customer loans advancing 4.3% year-on-year as of June 30, 2025. This growth is a testament to the bank's commitment to supporting its customers and the economy.
New corporate loans of RON 7.5 billion were approved in H1 2025, with approximately 34% of these aimed at investments. These investments included over RON 1.6 billion (EUR 320 million) in sustainable corporate financing, a significant increase from H1 2024. This sustainable financing primarily supported renewable energy and distribution network projects.
The housing loans sector also saw strong growth, with the sustainable Casa Mea Natura loan for energy-efficient homes accounting for 80% of new mortgage loans, and a volume nearly triple compared to H1 2024.
Summarizing the key loan and investment amounts for 2024 and H1 2025 (latest detailed figures): - Retail (households and microbusinesses): RON 9 billion (H1 2025 new loans) - Corporate loans: RON 7.5 billion (H1 2025 new loans), with 34% targeted for investments - Sustainable corporate financing: over RON 1.6 billion (EUR 320 million) in H1 2025 - Housing loans (including Casa Mea Natura): strong growth, with sustainable housing loans nearly tripling by H1 2025
The exact total for the entire 2024 year is not provided explicitly, but the H1 2025 figures demonstrate strong growth from 2024 levels, and the stock of loans was up 4.3% year-on-year by June 2025.
In 2024, BCR also made a significant impact through its social initiatives. BCR, through its Social Banking team, provided 2 million euros in financing to organisations with a social impact. BCR Social Finance provided financing worth 33.2 million euro to micro-enterprises in 2024, supporting over 3,000 jobs. Additionally, BCR Social Finance financed more than 2,500 micro-enterprises in 2024, including 1,300 in the agribusiness sector.
BCR Social Finance also financed 36 NGOs and social enterprises in 2024, contributing to the wellbeing of over 30,000 beneficiaries and sustaining more than 900 jobs. BCR Social Finance also granted 223 StudyUP loans for continuous education through university, masters, doctoral, or specialization courses in 2024.
BCR's digital initiatives also made strides in 2024. BCR Leasing launched Lease EduFin, a financial education initiative on leasing, available on www.bcrleasing.ro. BCR Leasing also launched eBCR Leasing, Romania's first 100% online car financial leasing solution for single-partner businesses.
The bank's financial performance was also robust. Net loans and advances to customers increased by 13.6% to RON 66,734 million (EUR 13,416 million) as of 31 December 2024. BCR achieved a net profit of RON 2,767 million (EUR 556 million) in 2024, up by 19.2% against RON 2,321 million (EUR 469 million) in 2023.
The solvency ratio for BCR Bank standalone according to the capital requirements regulations (CRR) stood at 22.6% as of December 2024. The bank also made a significant contribution to the state budget, exceeding RON 1 billion in 2024.
BCR Leasing also introduced LEA, an AI chatbot available 24/7 on the BCR Leasing website, to facilitate quick access to information and services. Moreover, 73% of BCR Leasing customers have gone through the process of updating their personal data 100% online, directly from LEA.
These figures reflect BCR's continued commitment to growth, innovation, and social responsibility in Romania.
- The bank's impressive growth in loans and investments across various sectors, demonstrated in 2024 and the first half of 2025, is indicative of BCR's approach towardsbinding their customers and the economy.
- In the realm of sustainable finance, BCR allocated over EUR 320 million in H1 2025 towards renewable energy and distribution network projects, emphasizing their role in technology and environmental factors.
- Additionally, through the Social Banking team, BCR provided financial support to over 3,000 jobs, as well as contributing to the education and self-development of several individuals in 2024.
- In a bid to foster innovation and enhance customer service, BCR Leasing launched an AI chatbot, LEA, and facilitated an efficient 100% online process for updating personal data for over 73% of its customers.
