Financial Performance - BRD Group's net profit reached RON 764 million in H1 2025, a 10% year-over-year increase compared to RON 694 million in H1 2024 [10, 62] - Net banking income increased by 10.1% year-over-year, reaching RON 2,167 million in H1 2025 compared to RON 1,968 million in H1 2024 [40, 62] - The cost/income ratio improved to 45.4% in H1 2025 from 46.9% in H1 2024 [45] - BRD Group's ROE was 16% [9] Loan and Deposit Growth - The loan portfolio grew by 17% year-over-year [10, 59] - Corporate loan portfolio growth was 23% year-over-year [8, 10] - Individuals' loan production reached RON 7 billion in H1 2025, a 34% year-over-year increase [10, 34] - Deposits increased by 8% year-over-year [8, 35, 59] Digital Adoption - YouBRD mobile application had 1.8 million users, an 18% year-over-year increase [10, 27, 59] - Transactions via YouBRD increased by 25% year-over-year [27] - Transaction value via YouBRD increased by 52% year-over-year, reaching RON 28.7 billion [27] Asset Quality - The NPL ratio was 2.3% [8, 10] - The coverage ratio was 72% [10, 53]