This growth was supported by a 10.1% increase in net banking income, which totaled RON 2.16 billion (€436.5 million).
The gross operating income for the group reached RON 1.06 billion (€215.1 million) in H1 2025, an increase of 13.6%.
Net loans outstanding, including leasing, increased by 17.4% year-on-year, reaching RON 52.2 billion (€10.5 billion). Corporate lending was the main driver, with a 23.8% increase, while retail loans grew by 13.7%.
Loan origination for individuals was particularly strong, reaching nearly RON 7 billion (€1.4 billion) in H1 2025, a 34.2% increase compared to the same period in 2024. This was fuelled by a robust performance in both consumer and housing loans, which saw increases of 23.4% and 53.2% respectively. The bank's deposit base also expanded by 8% year-on-year.
BRD maintained a solid credit quality, with a non-performing loan (NPL) ratio of 2.3% and an NPL coverage of 72%.
The bank's commitment to sustainable financing was also highlighted, with new transactions for retail and corporate customers amounting to €351 million in H1 2025. The bank supported urban regeneration projects, providing a €75 million green loan for a mixed-use development in Romania. BRD also launched a new product, a Sustainability-Linked Loan (SLL) designed specifically for SMEs, a first for the Romanian market.
The bank's digital channels experienced a rise in adoption, with the number of YouBRD users reaching 1.83 million, an 18% increase year-on-year. The number of transactions through the application also grew by 25% compared to H1 2024.
Shares in BRD were up by 0.71% to 19.84 lei on Thursday afternoon trading on the BVB.
