Brd Groupe Societe Generale Sa (romania) · BVB:BRD
Brd Groupe Societe Generale Sa (romania) — BRD Groupe Société Générale — Q3 2025 Earnings Presentation
26 slides from Brd Groupe Societe Generale Sa (romania)'s earnings presentation, Oct 30, 2025
Slide 1: BRD Group Results 3rd quarter and 9 months 2025
BRD GROUP RESULTS 3rd quarter and 9 months 2025| 30.10.2025
Slide 2: Disclaimer
DISCLAIMER The consolidated and separate financial position and income statement for the period ended September 30, 2025 were examined by the Board of Directors on October 29, 2025. The financial information presented for the period ended September 30, 2025 and comparative periods has been prepared
Slide 3: Introduction
1 INTRODUCTION BRD GROUPE SOCIETE GENERALE
Slide 4: 9M 2025: Sustained business momentum driving financial performance
9M 2025: SUSTAINED BUSINESS MOMENTUM DRIVING FINANCIAL PERFORMANCE Increased lending to fuel customers’ projects Loan portfolio growth +14% YoY at Sep 25 end Dynamic lending activity across segments, albeit softening, given the challenging economic context Volume of private individuals’ lending lead
Slide 5: Climate Change Summit 2025: Expanding engagement and reach
CLIMATE CHANGE SUMMIT 2025: EXPANDING ENGAGEMENT AND REACH The most important event in Romania dedicated to climate change, initiated and supported by BRD as founding partner. Climate Change Summit is the yearly CEE meeting place for global researchers, entrepreneurs, government officials and civil
Slide 6: Macroeconomic environment
2 MACROECONOMIC ENVIRONMENT
Slide 7: Subdued economic growth, accelerating inflation
SUBDUED ECONOMIC GROWTH, ACCELERATING INFLATION GDP GROWTH Mildly accelerating growth across Europe, Romania lags 7.3% 6.0% 5.7%5.7% behind 4.7% 3.8% 3.6% 3.9% 4.1% Robust Q1 for EU economy, partially linked to “front-loading” trading 3.0% 1.8% 2.3% 2.0% 2.8% 2.1% 3.4% 2.4% 1.8% activity ahead of US
Slide 8: Key rate steady, interbank liquidity rebounded after recent shortfall
KEY RATE STEADY, INTERBANK LIQUIDITY REBOUNDED AFTER RECENT SHORTFALL Key rate unchanged, in line with market expectations INTEREST RATES 10.5 60.0 NBR maintained the monetary policy rate at 6.5% during 9M 8.8 8.6 8.3 2025, given higher than expected inflation trajectory and still 8.5 7.9 7.4 7.3 7.
Slide 9: Prudential banking indicators remain solid
PRUDENTIAL BANKING INDICATORS REMAIN SOLID Comfortable solvency and liquidity CAPITAL ADEQUACY, L/D & LCR Capital adequacy at 24.2% as at June 2025 end vs 24.9% as at 73.6 71.0 65.9 68.8 71.4 67.8 67.6 67.8 December 2024 remaining above the EU average of 20.4% 238 243 293 239 209 281 255 235 Loan to
Slide 10: 3rd quarter and 9 months 2025 BRD Group results
3 3RD QUARTER AND 9 MONTHS 2025 BRD GROUP RESULTS
Slide 11: Intensified usage of features - rich remote solutions
INTENSIFIED USAGE OF FEATURES - RICH REMOTE SOLUTIONS HIGHER ENGAGEMENT ON E-CHANNELS ENHANCED DIGITAL OFFER & CUSTOMER JOURNEY 1.83m YouBRD users, +15% YoY as of September 2025 end Multicurrency feature in YouBRD, allowing simpler and less costly payments (RON, EUR, USD, GBP) 27.6m transactions via
Slide 12: Comprehensive lending momentum
COMPREHENSIVE LENDING MOMENTUM INDIVIDUALS’ LOAN PRODUCTION (RONm) YoY 10,508 +25.8% Retail lending, primary driver of growth ~2x Core retail loans outstanding up +14.3% YoY as of Sept 2025 end 8,352 +12.9% ✓ loan origination on individuals kept high, ~RON 10.5bn in 9M 6,089 2025, +25.8% YoY 5,627 5
Slide 13: Resilient and broad deposit foundation
RESILIENT AND BROAD DEPOSIT FOUNDATION Steady build-up of deposit base, up +10% YoY DEPOSITS (end of period amounts, RON bn) ✓ Solid collection from large corporates, while SME growth remains YoY supportive 72.0 +10.1% 67.9 65.4 ✓ Individuals' customer deposits, challenged by the monthly issuances o
Slide 14: Commercial expansion, engine for revenues growth
COMMERCIAL EXPANSION, ENGINE FOR REVENUES GROWTH NET BANKING INCOME (RON m) Y/Y NII, +7.5% YoY in 9M 2025, +8.4% YoY in Q3 2025, built on: 3,252 +9.0% 2,984 +13.2% ✓ segment - wide lending growth, +13.7% YoY as of Sep 2025 end Other income 263 233 ✓ positive assets mix with an increasing weight of l
Slide 15: Costs evolution shaped by discipline despite rising turnover tax and inflation
COSTS EVOLUTION SHAPED BY DISCIPLINE DESPITE RISING TURNOVER TAX AND INFLATION OPERATING EXPENSES (RON m) Y/Y Rising pressure on costs amid doubling tax on turnover +8.4% 1,638 ✓ RON 133m in 9M 2025 vs RON 95m in 9M 2024, +40.6% YoY 1,512 133 +40.6% ✓ RON 68m in Q3 2025 vs RON 33m in Q3 2024, given
Slide 16: Solid credit quality indicators
SOLID CREDIT QUALITY INDICATORS NET COST OF RISK (RONm, bps) 128 14 0 Net cost of risk at +39 bps in Q3 2025 12 0 93 10 0 74 80 61 Slightly lower Q3 cost of risk positively on the 44 60 52 60 36 33 47 back of a more favorable evolution of the Non- 26 28 34 30 38 15 39 40 20 Retail portfolio 12 - -12
Slide 17: Strong capital position
STRONG CAPITAL POSITION CAR of 21.9% at September 2025 end SOLVENCY RATIO +8bps Regulatory own funds composed of Tier 1 and Tier 2 capital +211bps -377bps +8bps Tier 2 capital consists of EUR 250m subordinated loans The year-on-year variation of own funds mainly explained by incorporation of 50% of
Slide 18: Conclusions
A CONCLUSIONS BRD GROUPE SOCIETE GENERALE
Slide 19: 9M 2025: Sustained business velocity amid challenging macroeconomics
9M 2025: SUSTAINED BUSINESS VELOCITY AMID CHALLENGING MACROECONOMICS ▪ Despite growing headwinds, BRD sustained a strong commercial drive and delivered high performance ✓ Net loans outstanding, up +14% YoY, with growth spanning across all key markets Loan origination on individuals kept strong, with
Slide 20: Q&A Session
.) Q&A SESSION BRD GROUPE SOCIETE GENERALE
Slide 21: Appendix
6 APPENDIX BRD GROUP – KEY FIGURES BRD STANDALONE - KEY FIGURES BRD STOCK PRICE PERFORMANCE GLOSSARY – CLIENT SEGMENTATION
Slide 22: BRD Group | Key figures
BRD GROUP | KEY FIGURES (1) Variations at constant exchange rate; (2) Bank only, including impact of prudential filters in Sep-17 and Dec-17; RON m Q3-2025 Q3-2024 Change 9M-2025 9M-2024 Change Net banking income 1,085 1,016 +6.7% 3,252 2,984 +9.0% Operating expenses (539) (484) +11.3% (1,638) (1,51
Slide 23: BRD Standalone | Key figures
BRD STANDALONE | KEY FIGURES (1) Variations at constant exchange rate; (2) Bank only, including impact of prudential filters in Sep-17 and Dec-17; RON m Q3-2025 Q3-2024 Change 9M-2025 9M-2024 Change Net banking income 1,055 992 +6.3% 3,150 2,884 +9.2% Financial results Operating expenses (525) (473)
Slide 24: BRD | Stock price performance
BRD | STOCK PRICE PERFORMANCE 9,000 24.0 Market capitalisation 8,000 22.0 EUR 2.8 bn 7,000 20.0 6,000 18.0 5,000 16.0 4,000 14.0 12.0 3,000 10.0 2,000 8.0 1,000 6.0 0 Volume ('000 shares, rhs) Price (RON, lhs) ▪ BRD is part of the main market indices on the Bucharest Stock Exchange ▪ BRD’s share pri
Slide 25: Glossary – Client segmentation
GLOSSARY – CLIENT SEGMENTATION ▪ The Retail category is comprised of the following customer segments: • Individuals – BRD provides individual customers with a range of banking products such as: savings and deposits taking, consumer and housing loans, overdrafts, credit card facilities, funds transfe
Slide 26: BRD Groupe Societe Generale - Investor Relations
BRD GROUPE SOCIETE GENERALE - INVESTOR RELATIONS +4 021 380 47 62 | investor@brd.ro; www.brd.ro
BRD Groupe Société Générale — Q3 2025 Earnings Presentation on 6ix