Brd Groupe Societe Generale Sa (romania) · BVB:BRD
Brd Groupe Societe Generale Sa (romania) — BRD Groupe Societe Generale — Q2 2025 Earnings Presentation
26 slides from Brd Groupe Societe Generale Sa (romania)'s earnings presentation, Jul 31, 2025
Slide 1: BRD Group Results 2nd quarter and 1st half 2025
BRD GROUP RESULTS 2nd quarter and 1st half 2025| 31.07.2025
Slide 2: Disclaimer
DISCLAIMER The preliminary consolidated and separate financial position and income statement for the period ended June 30, 2025 were examined by the Board of Directors on July 30, 2025. The financial information presented for the period ended June 30, 2025 and comparative periods has been prepared a
Slide 3: Introduction
1 INTRODUCTION BRD GROUPE SOCIETE GENERALE
Slide 4: H1 2025: Commercial expansion driving profitable growth
H1 2025: COMMERCIAL EXPANSION DRIVING PROFITABLE GROWTH Continuing to support our customers’ initiatives Loan portfolio growth +17% YoY at Jun 25 end Strong momentum on corporate maintained ✓ net loans outstanding, +32.1% YoY on SMEs and +19.3% YoY on +23% YoY corporate loan portfolio growth large c
Slide 5: Macroeconomic Environment
2 MACROECONOMIC ENVIRONMENT
Slide 6: Subdued economic growth, inflation resumes upward trajectory
SUBDUED ECONOMIC GROWTH, INFLATION RESUMES UPWARD TRAJECTORY 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% Seasonally adjusted EU GDP growth printed at +0.6% QoQ in Q1 3.0% 2.3% 2.8% 3.4% 2.4% 1.8% 2.0% 2.1% 2025 vs Q4 2024, and
Slide 7: Key rate steady, interbank liquidity deficit for first time in three years
KEY RATE STEADY, INTERBANK LIQUIDITY DEFICIT FOR FIRST TIME IN THREE YEARS Key rate unchanged, in line with market expectations INTEREST RATES NBR maintained the monetary policy rate at 6.5% during H1 2025, given inflation pick up expectations in the following 10.5 60.0 months and still uncertain en
Slide 8: Romanian banking sector – prudential indicators remain solid
ROMANIAN BANKING SECTOR – PRUDENTIAL INDICATORS REMAIN SOLID Comfortable solvency and liquidity CAPITAL ADEQUACY, L/D & LIQUIDITY RATIOS Capital adequacy at 24.2% as at March 2025 end vs 24.9% as at 73.6 71.0 65.9 68.8 71.4 67.8 67.6 64.5 December 2024 remaining above the EU average of 20.2% 238 243
Slide 9: 2nd Quarter and 1st Half 2025 BRD Group Results
3 2ND QUARTER AND 1ST HALF 2025 BRD GROUP RESULTS
Slide 10: Driving faster adoption of relevant digital solutions
DRIVING FASTER ADOPTION OF RELEVANT DIGITAL SOLUTIONS HIGHER ENGAGEMENT ON E-CHANNELS REFINED DIGITAL OFFER Extended range of products available to authorized persons: 1.8m YouBRD users, +18% YoY as of June 2025 end ✓ deposits, current accounts, lending products 18m transactions via YouBRD, +25% YoY
Slide 11: Strong lending growth across all segments
STRONG LENDING GROWTH ACROSS ALL SEGMENTS NET LOANS OUTSTANDING (end of period amounts, RON bn) Corporate lending maintained an excellent performance 52.2 Y/Y 49.7 +17.4% ✓ double-digit growth on both SMEs (+32.1% YoY) and large 44.5 companies (+19.3% YoY) outstanding loans 21.9 +22.9% 21.1 ✓ consis
Slide 12: Robust and diversified deposit base
ROBUST AND DIVERSIFIED DEPOSIT BASE Consistent growth in deposit volumes Continued consolidation of customer deposits, up +8% YoY DEPOSITS ✓ large corporates, +23.2% YoY (end of period amounts, RON bn) 70.7 Y/Y ✓ individuals' customers, +5.3% YoY 67.9 65.5 +8.0% 23.6 27.2 23.5 +15.8% Robust liquidit
Slide 13: Expanding activity, main revenues' growth driver
EXPANDING ACTIVITY, MAIN REVENUES’ GROWTH DRIVER NET BANKING INCOME (RON m) Y/Y High single digit NII growth in both H1 2025 and Q2 2025, 2,167 +10.1% +7% YoY and +8.2% YoY, respectively 1,968 188 +19.1% Other income 158 ✓ positive impact from volume expansion across segments 453 Net fees and 384 +1
Slide 14: Strict monitoring of costs, within a persistent inflationary environment
STRICT MONITORING OF COSTS, WITHIN A PERSISTENT INFLATIONARY ENVIRONMENT OPERATING EXPENSES (RON m) Y/Y OPEX strict oversight 1,100 +7.0% +7% YoY in H1 2025 and +5.6% YoY in Q2 2025 1,028 +6.3% Tax on turnover 66 despite still high inflationary context, tight competitive labor 62 49 +12.7% FGDB & FR
Slide 15: Credit quality indicators
CREDIT QUALITY INDICATORS NET COST OF RISK 128 14 0 Net cost of risk at +47 bps in Q2 2025 12 0 93 10 0 74 80 61 60 60 Slightly lower Q2 cost of risk positively impacted by Retail 36 33 38 44 47 40 28 34 30 15 26 20 12 - -12 -2 0 -4 0 -47 -6 0 2022 2023 2024 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 CoR (
Slide 16: Strong capital position
STRONG CAPITAL POSITION SOLVENCY RATIO Solid high quality capital base CAR of 22.1% at June 2025 end +28bps Regulatory own funds composed of Tier 1 and Tier 2 capital +213bps -368bps -28bps Tier 2 capital consists of EUR 250m subordinated loans 23.1% 22.1% The year-on-year variation of own funds mai
Slide 17: Conclusions
A CONCLUSIONS BRD GROUPE SOCIETE GENERALE
Slide 18: H1 2025: Building on commercial momentum despite macroeconomic headwinds
H1 2025: BUILDING ON COMMERCIAL MOMENTUM DESPITE MACROECONOMIC HEADWINDS ▪ H1 2025 results reflect BRD’s strength and capacity to deliver value despite a significantly challenging macroeconomic and political environment, both domestically and globally ✓ Net loans outstanding, up +17% YoY, benefittin
Slide 19: Q&A Session
.) Q&A SESSION BRD GROUPE SOCIETE GENERALE
Slide 20: Appendix
6 APPENDIX BRD GROUP – KEY FIGURES BRD STANDALONE - KEY FIGURES BRD STOCK PRICE PERFORMANCE FINANCIAL CALENDAR FOR 2025 GLOSSARY – CLIENT SEGMENTATION
Slide 21: 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 Q2-2025 Q2-2024 Change H1-2025 H1-2024 Change Net banking income 1,087 983 +10.6% 2,167 1,968 +10.1% Operating expenses (526) (498) +5.6% (1,100) (1,028
Slide 22: 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 Q2-2025 Q2-2024 Change H1-2025 H1-2024 Change Net banking income 1,054 950 +11.0% 2,095 1,891 +10.8% Financial results Operating expenses (513) (48
Slide 23: BRD | Stock Price Performance
BRD | STOCK PRICE PERFORMANCE 9,000 24.0 Market capitalisation 8,000 22.0 EUR 2.7 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 24: Financial Calendar for 2025
FINANCIAL CALENDAR FOR 2025 6th February: Preliminary 2024 financial results 24th April: General Shareholders Meeting for approving the 2024 annual financial results 30th April: Presentation of the 1st quarter 2025 financial results 31st July: Presentation of the 2nd quarter and 1st half 2025 financ
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 Societe Generale — Q2 2025 Earnings Presentation on 6ix