Sistemul bancar românesc, printre cei mai solizi indicatori de lichiditate

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 net profit of 15.4 billion lei and a capital return of 17.6%, surpassing EU averages. However, non-performing loans increased to 2.7%, highlighting vulnerabilities. Experts suggest that banks should enhance AI integration to improve cost-to-income ratios and prepare for a more complex risk profile due to accelerated digitalization.