Raiffeisen Bank reported a net profit after tax of 1.36 billion RON in the first nine months, 8% above the level recorded in the same period of the previous year, while total assets reached 81.5 billion RON, up 10%, according to the bank's financial results, released to the public on Thursday.
"In the first nine months of 2025, Raiffeisen Bank Romania continued its development in all segments of activity. The bank's total assets reached 81.5 billion RON, up 10% compared to the same period last year. The performance is supported by a solid growth rate: 23% more new individual clients in the first 9 months of 2025 compared to the same period in 2024, and of the new clients, almost 90% chose the digital enrollment flow, almost double compared to the similar period last year," the bank said in a statement.
In the area of personal financial planning, Raiffeisen Bank recorded significant increases in operations and volumes, with over 35% more new investment plans in Q3 2025, compared to the same period last year, and over 124,000 clients enrolled in the Raiffeisen Accumulare Optional Pension Fund at the end of September.
"In the last 9 months, systematically and step by step, we have continued to mix the latest technologies, including artificial intelligence, and the expertise of our teams to support each client in building a stronger financial future. At the same time, we are constantly investing in financing the economy, for growth that brings added value to Romania and its communities," said Zdenek Romanek, President & CEO, Raiffeisen Bank Romania.
Deposits attracted from customers reached 63.8 billion RON, up 12% compared to last year. Savings remain a priority for individual customers, with their deposits increasing by 13%, fueled by both attractive interest rates and the diversification of savings options.
The corporate segment recorded robust growth in deposits, up 18% compared to the same period in 2024.
Regarding net loans granted to customers, they increased by 11% compared to the third quarter of 2024, reaching 47.3 billion RON.
"The corporate segment recorded the largest advance, with an increase of 13%, up to 21.5 billion RON, a sign of the bank's active involvement in financing the development of local companies. Individuals benefited from advantageous and competitive lending conditions, so that the volume of loans intended for this segment increased by 10%, supported by the growth of both secured loans (+5%) and unsecured loans (+14%). For personal loans without guarantees, Raiffeisen Bank launched a promotional interest campaign, advantageous for clients who choose to refinance their loans from other financial institutions. Sales volume increased by 24% in Q3 2025 compared to Q3 2024," the press release states.
Investments in digitalization have intensified, offering customers improved access to credit products via the mobile banking application. Thus, between July and September, three out of five customers preferred to access a personal loan via Smart Mobile, where they can also access a 100% digital credit card.
Raiffeisen Bank also continues to develop the mortgage segment, developing new, competitive products, and sustainable financing has reached a considerable share (49% of new sales are green real estate).
Operating expenses increased by 6% compared to the same period in 2024, driven by investments in technology, employee retention and motivation, as well as the development of the ATM network (+28 units) and POS (+7,300 terminals).
The bank's net profit after tax reached 1.36 billion RON, 8% above the level recorded in the first nine months of the previous year, which demonstrates Raiffeisen Bank's flexibility in the face of market challenges and careful management of income and expenses, claim bank representatives.
Also, in Q3 2025, both volumes (+60% compared to Q3 2024) and the number of subscription operations in Local Investment Funds (+30%) increased, demonstrating the increased interest in solutions through which clients can diversify their portfolios. In addition, the number of investment plans also increased, with over 35% more new plans concluded compared to the same period of the previous year.
At the end of September, the number of clients who chose to protect their income during retirement through the Raiffeisen Accumulation Optional Pension Fund exceeded 124,000.
Raiffeisen Private Banking distributed index certificates, with physical gold as the underlying asset, issued by Raiffeisen Bank International to FWR clients, and extended the offer to Premium Invest as well. The product offers 1:1 participation in the evolution of physical gold, under conditions of lower transaction and custody costs than those applied in the case of the underlying asset. Raiffeisen Private Banking successfully completed two certificate offers, the second having a value of 17 million euros.
"These issues include capital-protected certificates, as well as express certificates denominated in RON, EUR and USD. These financial instruments offer investors exposure to the performance of the stock markets in the United States and Europe, combining currency flexibility with attractive yield opportunities," the bank's press release also states.
According to the cited source, Raiffeisen Leasing recorded a 21% increase in the portfolio of financing granted to clients in September, compared to the end of 2024, while the number of clients increased by 7%. At the same time, it marked a high performance of partnerships with branded suppliers of financed assets and maintained a low level of the volume of non-performing loans.
The main asset categories financed were trucks, intended for domestic and international transport, cars and light commercial vehicles. "Green" assets, such as energy-efficient vehicles and equipment, recorded increases, supported by the company's sales strategy, which promotes sustainable financing solutions for projects and activities with a positive impact on the environment.
Raiffeisen Bank operates on the Romanian banking market, serving approximately 2.3 million clients, both individuals and legal entities.
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