Romanian banks post marginally smaller net profit in January-September

The Romanian banks boasted in 2025 virtually the same record aggregated net profit as in 2024, namely RON 11.6 billion (EUR 2.3 billion, -0.6% y/y) in January-September and RON 6.2 billion (EUR 828 million, -0.3% y/y) in Q3 alone, according to data published by the National Bank of Romania. The non-performing loan (NPL) ratio has advanced slightly to 2.9% at the end of September from 2.8% at the end of June after reaching the past decade’s low of 2.5% over the previous four quarters.

The profitability ratios at the end of September 2025 improved slightly compared to the previous two quarters, but they lag behind the record values reached in 2023-2024. Thus, the return on equity (ROE) reached 18.4% in January-September 2025, down from 20.2% in the same period of 2024 and 21.3% in the first three months of 2023. Similarly, the return on assets (ROA) eased while remaining robust at 1.73% in 2025, from 1.78% in 2024 and 1.91% in 2023.