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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
BRD - Groupe Société Générale
BRD - Groupe Société Générale (BRD) investor relations material
BRD - Groupe Société Générale Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
9M 2026 net profit was RON 1,176m, up 1.5% reported and 7% excluding turnover tax; revenue growth and broadly flat costs supported higher gross operating income.
Net loans including leasing grew 12.4% YoY; asset quality, capital and liquidity remained solid amid weak domestic activity and margin pressure.
Financial highlights
Net banking income rose 2.7% to RON 3,341m; gross operating income increased 5.5% to RON 1,702m.
Net interest income increased 2.8% to RON 2,378m; Q3 net interest income grew 5.4% and net interest margin improved to 3.26%.
Operating expenses were RON 1,639m, broadly flat; adjusted costs excluding turnover tax and prior-year FGDB/RF contributions declined 1.8%.
Turnover tax rose to RON 209m from RON 133m; net impairment losses increased to RON 254m from RON 195m.
Net profit was RON 1,176m, up 1.5%; Q3 net profit was RON 392m, down 0.4% YoY.
Segment performance
Net loans including leasing grew 12.4% YoY to RON 60.1bn; large-corporate loans rose 24% to RON 16.3bn and SME loans grew 9.6% to RON 8.4bn.
Housing loans rose 13.3% to RON 19.4bn and consumer loans increased 5.3% to RON 12.4bn; individual loan production grew 3.4% to RON 10.9bn.
Deposits increased 2.0% to RON 73.5bn; retail deposits grew 7.8% to RON 47.0bn, while corporate deposits declined 6.8% to RON 26.5bn.
BRD Sogelease portfolio grew 1.8% to RON 2.2bn, with new production of RON 820.4m.
Asset management AuM reached RON 11bn, up 36% YoY, with 23.5% UCITS market share at September-end.
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Latest events from BRD - Groupe Société Générale
- FY23 profit hit RON 1,655,829 thousand as income, loans and deposits grew.BRD
Q4 2023 - Double-digit loan growth, strong net profit, and robust capital and asset quality in H1 2026.BRDQ2 2026
- Strong Q1 2026 results with profit growth, cost efficiency, and solid capital ratios.BRDQ1 2026
- Net profit reached RON 1,546m in 2025, with strong loan and deposit growth and high capital ratios.BRDQ4 2025
- Net profit up 10% to RON 764.5m, with 17% loan growth and strong digital expansion.BRDQ2 2025
- Net profit fell 9.6% to RON 694m, with strong lending but higher costs and new taxes.BRDQ2 2024
- Net profit dropped 10.9% YoY to RON 1,094m, with strong lending and capital ratios.BRDQ3 2024
- Net profit up 7.2% year-over-year to 349.8 million RON, with strong loan and capital growth.BRDQ1 2025
- Net profit reached RON 1,524m with 16.6% ROE, driven by lending and digital growth.BRDQ4 2024
Next BRD - Groupe Société Générale earnings date
Q4 20264 Feb, 2027
BRD - Groupe Société Générale
Next BRD - Groupe Société Générale earnings date
Q4 20264 Feb, 2027
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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.