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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 reached RON 1,158m for the first nine months of 2025, up 6% year-over-year, with earnings per share of RON 1.6612 and a return on equity of approximately 16%.
Net loans outstanding increased by 14% year-over-year as of September 2025, with growth across all key markets and strong origination in both retail and corporate segments.
Deposits grew by 10% year-over-year, supported by both corporate and retail clients, maintaining a high liquidity buffer.
Total assets increased to RON 93,951 million from RON 88,480 million at year-end 2024, reflecting robust growth in loans and advances to customers.
Digital engagement continued to rise, with 1.83 million YouBRD users (+15% YoY) and significant increases in digital transactions.
Financial highlights
Net banking income for 9M 2025 was RON 3,252m, up 9% year-over-year; operating expenses rose 8.4% to RON 1,638m.
Net interest income rose to RON 2,313.7 million for the nine months, up from RON 2,152.5 million year-over-year.
Gross operating income increased by 9.6% to RON 1,614m for 9M 2025.
Loans and advances to customers (net) increased to RON 51,322.7 million from RON 47,705.2 million at year-end 2024.
Cost/income ratio improved to 50.4% in 9M 2025 from 50.7% in 9M 2024.
Outlook and guidance
Asset quality ratios are expected to remain sound, with the NPL ratio projected to stay below 2.5% by year-end.
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.
No subsequent events identified after the reporting date.
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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