Brd Groupe Societe Generale Sa (romania) · BVB:BRD
Brd Groupe Societe Generale Sa (romania) — BRD - Groupe Société Générale — H1 2026 Earnings Presentation
26 slides from Brd Groupe Societe Generale Sa (romania)'s earnings presentation, Jul 30, 2026
Slide 1: BRD Group Results
BRD GROUP RESULTS 2nd quarter and 1st half 2026| 30.07.2026
Slide 2: Disclaimer
DISCLAIMER The consolidated and separate financial position and income statement for the period ended June 30, 2026 were examined by the Board of Directors on July 29, 2026. The financial information presented for the period ended June 30, 2026, and comparative period has been prepared according to
Slide 3: H1 2026: Resilient Commercial Dynamics
H1 2026: RESILIENT COMMERCIAL DYNAMICS Loan portfolio remained dynamic across segments, despite Loan portfolio, +12% YoY at June 26 end macro challenges Individuals’ loans portfolio, +9% YoY Strong housing loans demand supporting lending to individuals Large corporates fueled non-retail performance,
Slide 4: Agenda
AGENDA Macroeconomic Business Financial Asset quality environment performance performance and cost of risk 1 2 3 4 Capital Conclusions Appendix adequacy 5 6 7 2ND QUARTER AND 1ST HALF 2026 RESULTS 30/07/2026 4
Slide 5: Fragile Growth Prospects on Weaker Demand and Fiscal Tightening
FRAGILE GROWTH PROSPECTS ON WEAKER DEMAND AND FISCAL TIGHTENING Real GDP: -1.2% YoY in Q1 2026, flat QoQ Romanian GDP & inflation development (%, YoY) Forecasts1 (%, YoY) Consumption weakened due to fiscal tightening and inflation 13.7 10.5 10 7.9 15 7.3 Q1 2026: stabilisation, modest growth expecte
Slide 6: Strong Prudential Indicators, Comparing Favorably with EU Averages
STRONG PRUDENTIAL INDICATORS, COMPARING FAVORABLY WITH EU AVERAGES Capital adequacy – 23.7% at Mar-26 (-0.5 p.p. YoY) Capital adequacy, L/D, LCR (%) Above EU avg. of 20.4% Capital & Liquidity 65.9 68.8 71.4 67.8 67.6 67.3 67.5 293 239 209 281 255 257 246 Loan / Deposit ratio – 67.5% at Mar-26 (+3.0
Slide 7: Agenda
AGENDA Macroeconomic Business Financial Asset quality environment performance performance and cost of risk 1 2 3 4 Capital Conclusions Appendix adequacy 5 6 7 2ND QUARTER AND 1ST HALF 2026 RESULTS 30/07/2026 7
Slide 8: E-Banking Driving Higher Customer Activity in H1 2026
E-BANKING DRIVING HIGHER CUSTOMER ACTIVITY IN H1 2026 ENHANCED CUSTOMER JOURNEYS … …LEADING TO INCREASED ENGAGEMENT ACROSS DIGITAL CHANNELS... 22m transactions via YouBRD, +21.8% YoY 1.96m YouBRD users, +11% YoY RON 35.2bn, transactions value via YouBRD, +22.4% YoY Cashback loyalty – 1.2m enrolled c
Slide 9: Solid Lending Activity on Large Corporates and Private Individuals
SOLID LENDING ACTIVITY ON LARGE CORPORATES AND PRIVATE INDIVIDUALS Double-digit loan growth (+11.6% YoY) Net loans outstanding, incl. leasing (RON bn) Driven by large corporate and individuals’ segments YoY YTD Resilient performance on housing loans 56.1 55.9 58.3 +11.6% +3.8% 52.2 53.4 Strong growt
Slide 10: Sound Growth Across a Diversified Savings and Wealth Ecosystem
SOUND GROWTH ACROSS A DIVERSIFIED SAVINGS AND WEALTH ECOSYSTEM Total deposits +4.1% YoY with growth driven by retail: Customer deposits (RON bn) YoY YTD 75.0 75.7 73.7 +4.1% -1.9% Private individuals’ deposits, most stable and 70.7 72.0 granular funding source, up by +8.5% YoY 43.5 43.6 45.5 46.8 46
Slide 11: Agenda
AGENDA Macroeconomic Business Financial Asset quality environment performance performance and cost of risk 1 2 3 4 Capital Conclusions Appendix adequacy 5 6 7 2ND QUARTER AND 1ST HALF 2026 RESULTS 30/07/2026 11
Slide 12: Balance Sheet Expansion Supporting Revenues Dynamic
BALANCE SHEET EXPANSION SUPPORTING REVENUES DYNAMIC NBI, +1.8% YoY in H1 2026, +5.2% YoY in Q2 2026 NBI year-on-year (RON m) YoY NII, +1.4% YoY in H1 2026, +2.8% YoY in Q2 2026 2,167 2,206 +1.8% ❑ consistently accounting for over 70% of total revenues ❑ substantial volume growth supporting revenues
Slide 13: Costs Maintained Under Strict Supervision, Visible C/I Improvement
COSTS MAINTAINED UNDER STRICT SUPERVISION, VISIBILE C/I IMPROVEMENT Operating expenses, -0.5% YoY in H1 2026, +2.2% YoY in Q2 OPEX year-on-year (RON m) 2026 YoY ❑ rigorous cost discipline in a high tax and persistent inflation environment (avg inflation at 10.13% vs 5.13% in H1 2025) 1,100 1,094 -0.
Slide 14: Agenda
AGENDA Macroeconomic Business Financial Asset quality environment performance performance and cost of risk 1 2 3 4 Capital Conclusions Appendix adequacy 5 6 7 2ND QUARTER AND 1ST HALF 2026 RESULTS 30/07/2026 14
Slide 15: Credit Quality Indicators Keep Solid
CREDIT QUALITY INDICATORS KEEP SOLID Net cost of risk Net cost of risk (bps, RON m) 64 47 39 41 Q2 2026 NCR is driven by particular corporate new default 25 Stable evolution of retail loans portfolio quality, related NCR being driven mainly by the macroeconomic expectations 0 80 review and NPL sales
Slide 16: Agenda
AGENDA Macroeconomic Business Financial Asset quality environment performance performance and cost of risk 1 2 3 4 Capital Conclusions Appendix adequacy 5 6 7 2ND QUARTER AND 1ST HALF 2026 RESULTS 30/07/2026 16
Slide 17: Strong Capital Position Supporting Growth
STRONG CAPITAL POSITION SUPPORTING GROWTH Drivers for YoY change in Capital Adequacy Ratio1 (%) Risk-weighted assets (RON bn) Credit risk (incl. CCR) 0.9 Operational risk 1.8 -2.8 -0.1 other (Market & CVA risk) 45.7 +3.2 18.8 0.5 43.0 43.0 CBR 5.0 0.5 0.5 41.4 5.5 40.5 0.3 22.1 22.0 0.4 5.5 5.5 5.0
Slide 18: Agenda
AGENDA Macroeconomic Business Financial Asset quality environment performance performance and cost of risk 1 2 3 4 Capital Conclusions Appendix adequacy 5 6 7 2ND QUARTER AND 1ST HALF 2026 RESULTS 30/07/2026 18
Slide 19: H1 2026: Sustainable Growth Through Disciplined Execution
H1 2026: SUSTAINABLE GROWTH THROUGH DISCIPLINED EXECUTION Business performance Income statement Balance sheet & Capital Net loans, +12% GOI, excl. tax NPL ratio NPL coverage RON 58.3bn +10.4% 2.7% 65.6% Individuals Large corporates C/I ratio, excl. tax Loan/Deposit +9% +23% 43.3% 79% 5y Sustainable
Slide 20: H1 2026: Dynamic Lending, Solid Profitability and Robust Balance Sheet
H1 2026: DYNAMIC LENDING, SOLID PROFITABILITY AND ROBUST BALANCE SHEET Resilient performance due to strict cost and risk management, building on a solid capital foundation Broad-based loan growth (+11.6% YoY) in a competitive landscape and fragile macroeconomic context: ❑ Large corporate (+23% YoY)
Slide 21: Agenda
AGENDA Macroeconomic Business Financial Asset quality environment performance performance and cost of risk 1 2 3 4 Capital Conclusions Appendix adequacy 5 6 7 2ND QUARTER AND 1ST HALF 2026 RESULTS 30/07/2026 21
Slide 22: BRD Group | Key Figures
BRD GROUP | KEY FIGURES RON m Q2-2026 Q2-2025 Change H1-2026 H1-2025 Change Net banking income 1,144 1,087 5.2% 2,206 2,167 1.8% Operating expenses (538) (526) 2.2% (1,094) (1,100) -0.5% Financial results Gross operating income 606 561 8.1% 1,112 1,068 4.2% Net cost of risk (94) (63) 49.9% (147) (14
Slide 23: BRD Standalone | Key Figures
BRD STANDALONE | KEY FIGURES RON m Q2-2026 Q2-2025 Change H1-2026 H1-2025 Change Net banking income 1,109 1,054 5.2% 2,126 2,095 1.5% Operating expenses (523) (513) 2.1% (1,065) (1,070) -0.6% Financial results Gross operating income 585 541 8.1% 1,061 1,024 3.6% Net cost of risk (92) (60) 52.1% (147
Slide 24: BRD Stock Price Performance
BRD STOCK PRICE PERFORMANCE 40.0 Market capitalisation 7,000 38.0 EUR 4.8 bn 36.0 6,000 34.0 32.0 30.0 5,000 28.0 26.0 4,000 24.0 22.0 3,000 20.0 18.0 16.0 2,000 14.0 12.0 1,000 10.0 8.0 6.0 0 Volume ('000 shares, rhs) Price (RON, lhs) ✓ BRD is part of the main market indices on the Bucharest Stock
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
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