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1. Record Net Profit
   • Romanian banks earned RON 4.2 billion in Q3, surpassing RON 3.7 billion from previous quarters.
2. Growth Drivers
   • Increased consumer loans and refinancing boosted profitability.
3. Loan-to-Deposit Ratio
   • Ratio improved to 67%, reflecting enhanced loan activity.
4. Return on Equity (ROE)
   • Consistent at 20%, despite challenges in equity requirements.
5. Return on Assets (ROA)
   • Slightly declined to 1.87% compared to earlier quarters.
6. Non-Performing Loans (NPL)
   • NPL ratio stabilized at 2.5%, indicating robust asset quality.
7. Consumer Loan Momentum
   • Consumer demand remained a key contributor to banking sector success.
8. Sector Resilience
   • The banking system demonstrated adaptability amid economic fluctuations.
9. Economic Contributions
   • Banking stability supports broader national economic recovery.
10. Outlook

• Continued growth expected, supported by favorable lending conditions.

These subpoints highlight the factors behind the record profits and underline the sector’s stability and future potential.

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