♦ ZF presents the financial results for all 20 profitable banks and for the 9 banks with losses in 2025 ♦ The cumulative profit of the 10 most profitable banks was 15.1 billion lei ♦ The entire banking system had a record profit of 15.4 billion lei in 2025.The financial results for all credit institutions in Romania from the year 2025 were aggregated by ZF, for the first time being visible thus the gains recorded by the smaller banks, as well as the losses reported by some banks for the past year.From the complete top of the 29 existing banks in Romania, top made according to the financial results from the year 2025, it can be seen that a number of 20 banks managed to close the year with a profit, but the results were mixed, some managing to obtain higher profits compared to the year 2024, while other credit institutions recorded lower profits. You may also be interested: Practically, most of the profitable banks, respectively 13, made higher profits the year past compared to 2024, as can be seen from the data from the Ministry of Finance/ ANAF aggregated by ZF. The 20 banks that were in surplus reported for the whole year 2025 cumulative profits of over 15.8 billion lei. On the other hand, a number of 9 banks were in the red, accumulating cumulative losses of around 370 million lei. The 9 banks with losses in 2025 were Revolut Bank, Aedificium Banca pentru Locuințe, PKO Bank Polski, Bank of China, Banca Română de Credite si Investiții, Credex Bank, BNP Paribas Personal Finance, Salt Bank and TechVentures Bank. The entire banking system ended 2025 with a record profit of around 15.4 billion lei. they remained at high levels, given the persistence of inflation, which hovered around 5% in the first part of the year, and then increased to 10% after the increase of some taxes, including VAT.
Last year lending continued, but at a slower pace, given that interest rates remained high in the first part of the year, incomes rose, the cost of risks was low and provisions were reduced. Also, some banks made substantial investments, especially in digitalization, and others also had costs related to mergers & acquisitions processes, which influenced the level of profits. If we add up the earnings reported by the 10 most profitable banks in Romania in 2025, a cumulative profit of 15.1 billion lei emerges, representing about 95% of the total earnings of the 20 profitable banks, of 15.8 billion lei (and 98% of the adjusted profit of the banking system) Then adding the profits of the banks ranked 11-20 in the top earners, the cumulative result of these 10 smaller banks would be only 696 million lei. The three most profitable banks in Romania in 2025 were Banca Transilvania, BCR and Raiffeisen Bank, with cumulative earnings of over 9 billion lei, representing almost 60% of the total profit of the system banking. And if we add BRD and ING Bank and put together the earnings of the five most profitable large banks in Romania, we reach about 12 billion lei, that is, over 75% of the total earnings of the Romanian system.
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