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Investor Relations14 Oct 2025
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BRD (BRD) investor relations material
BRD Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net profit for H1 2025 was RON 764.5 million, up 10% year-over-year, with strong contributions from both retail and non-retail segments.
Net loans outstanding increased 17% year-over-year, with SME loans up 32.1% and large corporate loans up 19.3% as of June 2025.
Individuals' loan production reached RON 7bn in H1 2025, up 34% year-over-year.
Deposits rose 8% year-over-year, with large corporates up 23.2% and individuals up 5.3%.
Total assets increased to RON 92.7 billion as of June 30, 2025, reflecting growth in loans and cash balances.
Financial highlights
Net banking income grew 10.1% year-over-year in H1 2025 to RON 2,167.3 million.
Operating expenses increased 7% year-over-year in H1 2025, mainly due to higher personnel and administrative costs.
Gross operating income rose 13.6% year-over-year in H1 2025.
Net cost of risk was RON 141.9 million in H1 2025, up from RON 90.8 million in H1 2024.
Basic earnings per share for H1 2025 was RON 1.0970, compared to RON 0.9899 in H1 2024.
Outlook and guidance
Macroeconomic headwinds and new fiscal measures, including VAT and turnover tax increases effective August 2025, are expected to impact future profitability.
Inflationary pressures are anticipated to continue, with fiscal-driven increases in H2 2025.
Management assessed the group as a going concern with sufficient resources for the foreseeable future.
The bank maintains a strong capital and liquidity position to support future lending.
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Q3 202530 Oct, 2025
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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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