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BRD - Groupe Société Générale (BRD) investor relations material
BRD - Groupe Société Générale Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net profit for the first nine months of 2025 reached RON 1,158m, up 6% year-over-year, with return on equity at 16%.
Loans outstanding increased by 14% year-over-year, with growth across retail and corporate segments and strong origination.
Deposits grew by 10% year-over-year, maintaining a high liquidity buffer and supporting lending growth.
Digital engagement rose, with mobile app users up 15% year-over-year and 1.83 million digital users.
Total assets increased to RON 93,951 million from RON 88,480 million at year-end 2024.
Financial highlights
Net banking income for 9M 2025 was RON 3,252m, up 9% year-over-year, driven by a 7.5% increase in net interest income.
Retail loan production exceeded €10 billion in nine months, up 26% from the same period last year.
Operating expenses rose 8.4% to RON 1,638m, with cost-to-income ratio improving to 50.4%.
Net cost of risk rose to RON -195m in 9M 2025, reflecting normalization.
Loans and advances to customers (net) increased to RON 51,322.7 million from RON 47,705.2 million at year-end 2024.
Outlook and guidance
Asset quality ratios are expected to remain sound, with NPL ratio projected to stay below 2.5% by year-end.
Cost of risk guidance for the year remains low, with Q3 cost of risk at 39 basis points and expected to stay around 40 basis points.
Management confirmed the going concern basis, with no material uncertainties identified for the foreseeable future.
Continued focus on lending expansion, digital transformation, and sustainable finance.
Rationale for Competition Council/ANPC provisions?
Impact of branch network reduction on costs?
Financial impact of new tax on turnover?
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Next BRD - Groupe Société Générale earnings date
Q4 20254 Feb, 2026
Next BRD - Groupe Société Générale earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
BRD - Groupe Société Générale S.A. is a Romanian bank Founded in 1923, BRD has evolved significantly over the years, especially after its acquisition by the French financial group Société Générale in 1999. This strategic move rebranded the bank and marked a new era in its operation, enhancing its reach and financial solutions. The bank offers a comprehensive range of banking and financial services across several sectors, including retail banking, commercial banking, corporate banking, investment banking, financial markets, and bancassurance services. With a broad spectrum of financial products such as loans, accounts, securities, and insurance, BRD caters to a diverse clientele including individuals, small and medium-sized enterprises, corporations, and the public sector. Its services extend to currency and monetary market solutions, encompassing saving and investment, government securities, money transfer, online banking, currency market, foreign exchanges and rate, online trading, and risk management services. The company is headquartered in Bucharest, Romania, and its shares are listed on the Bucharest Stock Exchange.
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