Brd Groupe Societe Generale Sa (romania) · BVB:BRD
Brd Groupe Societe Generale Sa (romania) — BRD Groupe Société Générale — Q1 2026 Earnings Presentation
25 slides from Brd Groupe Societe Generale Sa (romania)'s earnings presentation, Apr 30, 2026
Slide 1: BRD Group Results 1st quarter 2026
BRD GROUP RESULTS 1st quarter 2026 | 30.04.2026
Slide 2: Disclaimer
DISCLAIMER The consolidated and separate financial position and income statement for the period ended March 31, 2026 were examined by the Board of Directors on April 29, 2026. The financial information presented for the period ended March 31, 2026, and comparative period has been prepared according
Slide 3: Introduction
INTRODUCTION BRD GROUPE SOCIETE GENERALE
Slide 4: Q1 2026: Resilient commercial and financial dynamics
Q1 2026: RESILIENT COMMERCIAL AND FINANCIAL DYNAMICS Lending growth remains supportive across both segments, Loan portfolio growth +8% YoY at Mar 26 end though trajectory continues to moderate Lending to private individuals proved resilient despite eroding purchasing Individuals’ loans portfolio, +1
Slide 5: Macroeconomic environment
2 MACROECONOMIC ENVIRONMENT
Slide 6: Modest economic growth for Romania within a larger context
MODEST ECONOMIC GROWTH FOR ROMANIA WITHIN A LARGER CONTEXT Mixed picture in GDP growth across EU GDP GROWTH 7.3% EU GDP growth printed at +1.5% in 2025 vs 1% in 2024 6.0% 5.7%5.7% 4.7% 4.1% Romania ended 2025 in technical recession, as seasonally adjusted 3.9% 3.4% 3.0% 2.8% GDP declined in both Q3
Slide 7: Key rate steady, interbank market reacts to geopolitical tensions
KEY RATE STEADY, INTERBANK MARKET REACTS TO GEOPOLITICAL TENSIONS Key rate unchanged, in line with market expectations NBR maintained the monetary policy rate at 6.5% in Q1 2026, amid INTEREST RATES still-elevated and volatile inflation, high uncertainties and risks to 10.5 60.0 economic activity ou
Slide 8: Strong prudential banking indicators
STRONG PRUDENTIAL BANKING INDICATORS Comfortable solvency and liquidity CAPITAL ADEQUACY, L/D & LCR Capital adequacy at 24.4% as at December 2025 end vs 24.9% as at 73.6 71.0 65.9 68.8 71.4 67.8 67.6 67.3 December 2024, remaining above the EU average of 20.4% 238 243 293 239 209 281 255 257 Loan to
Slide 9: 1st quarter 2026 BRD Group results
3 1ST QUARTER 2026 BRD GROUP RESULTS
Slide 10: E-banking driving higher customer activity
E-BANKING DRIVING HIGHER CUSTOMER ACTIVITY INCREASED ENGAGEMENT ACROSS DIGITAL CHANNELS SMOOTHER DIGITAL EXPERIENCE 1.92m YouBRD users, +12% YoY vs. Q1 2025 New Click to Pay functionality, allowing quick and secure payments without entering card details 10.7m transactions via YouBRD, +24% YoY vs. Q1
Slide 11: Continued lending growth across retail and corporate
CONTINUED LENDING GROWTH ACROSS RETAIL AND CORPORATE Financing maintained solid dynamic (+8.2% YoY) supported by NET LOANS OUTSTANDING (end of period amounts, RON bn) private individuals and large corporate clients, yet softening amid YoY 56.1 55.9 increased uncertainty within a difficult economic c
Slide 12: Solid growth in customer savings and investment products
SOLID GROWTH IN CUSTOMER SAVINGS AND INVESTMENT PRODUCTS Accelerating customers’ deposits, up +14.3% YoY ✓ Large and diversified deposit base, confirming BRD’s well- established market presence, and reinforcing the quality of the funding base DEPOSITS ✓ Strong collection from large corporates, on bo
Slide 13: Resilient revenues within a difficult economic and strongly competitive context
RESILIENT REVENUES WITHIN A DIFFICULT ECONOMIC AND STRONGLY COMPETITIVE CONTEXT NII printing broadly stable vs Q1 2025 Positive impact of expanding lending volumes across both retail and NET BANKING INCOME (RON m) corporate segments offset by negative structure and rate effects, more pronounced on l
Slide 14: Strict costs oversight in a high tax and persistent inflation environment
STRICT COSTS OVERSIGHT IN A HIGH TAX AND PERSISTENT INFLATION ENVIRONMENT Reduced costs base, -3%, despite high inflation and twofold increase in tax on turnover ✓ tax on turnover, RON 68m in Q1 2026 vs RON 32m in Q1 2025 (4% tax rate starting 1st of July 2025) OPERATING EXPENSES (RON m) ✓ average i
Slide 15: Credit quality remains solid and well controlled
CREDIT QUALITY REMAINS SOLID AND WELL CONTROLLED NET COST OF RISK 25 0 219 Net cost of risk 20 0 128 15 0 Lower Q1’26 cost of risk (41 bps) compared to Q1’25 (60 bps). 10 0 74 61 52 55 60 33 42 47 50 28 39 41 25 Q1’26 NCR is driven by the retail portfolio that was 0 -12 more sensitive to macroeconom
Slide 16: Strong capital position supporting growth
STRONG CAPITAL POSITION SUPPORTING GROWTH SOLVENCY RATIO CAR of 22.9% at March 2026 end +199 bps +66 bps +17 bps -323 bps Regulatory own funds composed of Tier 1 and Tier 2 capital Tier 2 capital consists of EUR 250m subordinated loans 23.3% 22.9% The year-on-year variation of own funds mainly expla
Slide 17: Conclusions
4 CONCLUSIONS BRD GROUPE SOCIETE GENERALE
Slide 18: Q1 2026: Focus on disciplined growth and long-term value creation
Q1 2026: FOCUS ON DISCIPLINED GROWTH AND LONG-TERM VALUE CREATION IN A CHALLENGING MACROECONOMIC CONTEXT ▪ BRD upheld robust commercial performance in a difficult macroeconomic climate, thanks to the strength of its diversified business model ✓ Net loans outstanding, up +8% YoY, with continued, yet
Slide 19: Q&A session
o Q&A SESSION BRD GROUPE SOCIETE GENERALE
Slide 20: Appendix
6 APPENDIX BRD GROUP – KEY FIGURES BRD STANDALONE - KEY FIGURES BRD STOCK PRICE PERFORMANCE 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 Q1-2026 Q1-2025 Change Net banking income 1,062 1,080 -1.7% Operating expenses (556) (573) -3.0% Gross operating income 506 507 -0.2% Financial results
Slide 22: BRD Standalone | Key figures
BRD STANDALONE | KEY FIGURES ant exchange rate; (2) Bank only, including impact of prudential filters in Sep-17 and Dec-17; RON m Q1-2026 Q1-2025 Change Net banking income 1,017 1,041 -2.3% Financial results Operating expenses (541) (558) -3.0% Gross operating income 476 483 -1.5% Net cost of risk (
Slide 23: BRD | Stock price performance
BRD | STOCK PRICE PERFORMANCE Market capitalisation 7,000 26.0 EUR 3.8 bn 24.0 6,000 22.0 5,000 20.0 18.0 4,000 16.0 3,000 14.0 12.0 2,000 10.0 1,000 8.0 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 price reac
Slide 24: 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 25: 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 — Q1 2026 Earnings Presentation on 6ix