Sunday, May 24, 2026, 11:42 p.m
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Banca Transilvania registered a substantial increase in profit. PHOTO: Banca Transilvania
The first five credit institutions on the local market totaled in the first three months of the year one advantage net of approximately 3.1 billion lei, according to the reported individual financial data.
The undisputed leader remains Banca Transilvaniawhich consolidates its top position from an earnings perspective as well. Overall, the profitability of Romanian banks, measured by the Return on Assets (ROA) indicator, exceeds two to three times the European average, the essential competitive advantage being the high interest margin – the substantial difference between the low interest rates offered on deposits and the high ones applied to loans, writes Economica.net.
Banca Transilvania reports a net profit of 1.14 billion lei at group level, respectively 950.2 million lei at individual level. The increase is significant: over 30% at group level and over 25% at individual bank level.
It is in second place BCRwith a net profit of 602 million lei at group level. This value represents a decrease of 18.9% compared to the profit of 742 million lei reported in the same period of the previous year.
The third position is occupied by UniCredit. Although the bank did not separately communicate the figure in lei for the local branch, the entire Italian group recorded in Q1/2026 the best quarter in history. According to the information announced in Milan, the group’s net profit increased by 16% compared to last year, up to 3.2 billion euros, setting records in all key business lines. For operations in Romania, UniCredit reported a loan balance of 13.3 billion euros, up by around 7% compared to the same period last year, and deposits of 15 billion euros, up 2%. The latest results communicated by CEC Bank at the level of 2025 indicated an advance of no more than 2 billion lei in terms of assets compared to UniCredit.
He ranks fourth Raiffeisen Bank, with a net profit of 367 million lei. The bank is in full expansion process after the acquisition of Garanti Bank, completed in February this year, and its integration into the portfolio will bring additional growth.
The top five is completed by br – Groupe Société Générale, which reported a net profit of approximately 300 million lei, a level similar to the previous quarter.
