Brd Groupe Societe Generale Sa (romania) · BVB:BRD
Brd Groupe Societe Generale Sa (romania) — BRD Groupe Societe Generale — Q4 2025 Earnings Presentation
27 slides from Brd Groupe Societe Generale Sa (romania)'s earnings presentation, Feb 6, 2026
Slide 1: BRD Group Results 4th quarter and full year 2025
BRD GROUP RESULTS 4th quarter and full year 2025 | 06.02.2026
Slide 2: Disclaimer
DISCLAIMER The consolidated and separate financial position and income statement for the period ended December 31, 2025 were examined by the Board of Directors on February 5, 2026. The financial information presented for the period ended December 31, 2025 and comparative periods has been prepared ac
Slide 3: Introduction
INTRODUCTION BRD GROUPE SOCIETE GENERALE
Slide 4: 2025: Continued business momentum supporting solid financial results
2025: CONTINUED BUSINESS MOMENTUM SUPPORTING SOLID FINANCIAL RESULTS Segment-wide lending growth generating consistent revenue stream despite challenging economic context Loan portfolio growth +13% YoY Dec 25 end Strong momentum on large companies +17% YoY corporate loan portfolio Double-digit growt
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 GDP GROWTH Moderate growth across Europe EU GDP growth printed at +1.6% in Q3 2025 vs Q3 2024 7.3% RO economy steeped up in Q3 2025 (to +1.7% YoY from 0.3% YoY 6.0% 5.7% 5.7% 4.7% in Q2), driven mainly by investments, while the contribution
Slide 7: Key rate steady, interbank liquidity recovered after Q2 2025 shortfall
KEY RATE STEADY, INTERBANK LIQUIDITY RECOVERED AFTER Q2 2025 SHORTFALL Key rate unchanged, in line with market expectations INTEREST RATES NBR maintained the monetary policy rate at 6.5% in 2025, 10.5 60.0 given higher than expected inflation trajectory and uncertain 8.8 8.6 macroeconomic environmen
Slide 8: Adequate level of prudential banking indicators
ADEQUATE LEVEL OF PRUDENTIAL BANKING INDICATORS Comfortable solvency and liquidity CAPITAL ADEQUACY, L/D & LCR Capital adequacy at 23.9% as at September 2025 end vs 24.9% as at 73.6 71.0 65.9 68.8 71.4 67.8 67.6 68.8 December 2024 remaining above the EU average of 20.4% 238 243 293 239 209 281 255 2
Slide 9: 4th quarter and full year 2025 BRD Group results
3 4TH QUARTER AND FULL YEAR 2025 BRD GROUP RESULTS
Slide 10: Digital channels driving higher customer activity
DIGITAL CHANNELS DRIVING HIGHER CUSTOMER ACTIVITY INCREASED ENGAGEMENT ACROSS DIGITAL CHANNELS SMOOTHER ONLINE EXPERIENCE FOR CUSTOMERS Automatically updating customers’ ID via the digital process 1.87m YouBRD users, +13% YoY as of 2025 end implemented in partnership with DGEP RoPay E-Commerce for B
Slide 11: Strong initiatives to support our clients' long-term decarbonization
STRONG INITIATIVES TO SUPPORT OUR CLIENTS’ LONG-TERM DECARBONIZATION Strengthening our commitment to responsible and sustainable financing Total volume of sustainable financing in 2025 of EUR 919m: EUR 137m on retail and EUR 782m on corporates, including loans for co-financing/pre-financing non-re
Slide 12: Broad-based loan growth, led by corporate segment
BROAD-BASED LOAN GROWTH, LED BY CORPORATE SEGMENT NET LOANS OUTSTANDING Dynamic lending across segments (+13% YoY), albeit softening (end of period amounts, RON bn) YoY amid challenging economic environment 56.1 +12.9% 49.7 Corporate lending, primary driver of growth, underpinned by 41.7 +16.7% mome
Slide 13: Robust deposit base
ROBUST DEPOSIT BASE DEPOSITS Steady build-up of deposit base, up +10.5% YoY (end of period amounts, RON bn) YoY Strong collection from the large corporate segment, on both RON and FX 75.0 +10.5% 67.9 Growth in individuals' deposits constrained by the monthly 62.4 issuances of Romanian government
Slide 14: Driving revenue growth through consistent activity expansion
DRIVING REVENUE GROWTH THROUGH CONSISTENT ACTIVITY EXPANSION NET BANKING INCOME (RON m) Y/Y NII, +6.6% YoY in 2025, built on: 4,350 +7.9% positive volume effect on both retail and corporate lending 4,032 +13.9% Other income 355 supportive assets mix with an increasing weight of loans, partially
Slide 15: Costs contained despite rising turnover tax and persistent inflation
COSTS CONTAINED DESPITE RISING TURNOVER TAX AND PERSISTENT INFLATION OPERATING EXPENSES (RON m) 2,223 Y/Y Rising pressure on costs amid doubling tax on turnover +9.9% RON 203m in 2025 vs RON 129m in 2024, +57.5% YoY 2,023 203 Tax on turnover 129 49 +57.5% RON 69m in Q4 2025 vs RON 34m in Q4 2024
Slide 16: Credit quality indicators
CREDIT QUALITY INDICATORS NET COST OF RISK (RONm, bps) 250 219 Net cost of risk 200 128 150 74 Lower Q4 cost of risk (25 bps) compared to previous 36 44 61 52 100 33 quarters, positively impacted by the retail NPL portfolio 28 42 34 30 38 15 60 47 39 25 33 50 12 sale. -12 0 -50 The annual evolution
Slide 17: Strong capital position
STRONG CAPITAL POSITION CAR of 22.6% at December 2025 end SOLVENCY RATIO +101bps Regulatory own funds composed of Tier 1 and Tier 2 capital +102bps -387bps +25bps Tier 2 capital consists of EUR 250m subordinated loans The year-on-year variation of own funds mainly explained by incorporation of 50% o
Slide 18: Conclusions
4 CONCLUSIONS BRD GROUPE SOCIETE GENERALE
Slide 19: 2025: Sound business performance despite context headwinds
2025: SOUND BUSINESS PERFORMANCE DESPITE CONTEXT HEADWINDS BRD upheld strong commercial performance and delivered solid results despite rising global macroeconomic pressures Net loans outstanding, up +13% YoY, with growth on both retail and corporate segments Solid housing loans origination, up
Slide 20: Q&A session
s) 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 Q4-2025 Q4-2024 Change 2025 2024 Change Net banking income 1,097 1,048 +4.7% 4,350 4,032 +7.9% Operating expenses (585) (511) +14.3% (2,223) (2,023) +9.
Slide 23: 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 Q4-2025 Q4-2024 Change 2025 2024 Change Net banking income 1,070 1,011 +5.8% 4,219 3,895 +8.3% Financial results Operating expenses (566) (493) +14.7% (2,161) (1,965) +10
Slide 24: 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 25: BRD | Stock price performance
BRD | STOCK PRICE PERFORMANCE Market capitalisation 9,000 26.0 EUR 3.7 bn 8,000 24.0 22.0 7,000 20.0 6,000 18.0 5,000 16.0 4,000 14.0 3,000 12.0 2,000 10.0 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 shar
Slide 26: 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 27: 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 — Q4 2025 Earnings Presentation on 6ix