PwC: Băncile din România au printre cei mai solizi indicatori de lichiditate din UE

European retail banks saw a 3% revenue increase and a 6% rise in operational profit in 2025, with Romania's banking system reporting strong liquidity indicators. Net interest income remains the main profit driver, while banks are encouraged to diversify revenue streams and adopt AI for efficiency. Romania's banking sector reported a significant rise in assets and net profit, with liquidity ratios above the EU average. However, non-performing loans increased, highlighting vulnerabilities. Experts suggest that banks must enhance AI integration to improve cost-to-income ratios and prepare for a more complex risk profile due to accelerated digitalization.