BRD Groupe Société Générale posted a net profit of RON 1.54 billion in 2025, up 6% year-on-year, underscoring solid performance amid a challenging macro backdrop. Gross operating profit reached RON 2.126 billion (+5.9% YoY), with a cost-to-income ratio of 51.1%.
Net banking income rose 8% to RON 4.35 billion, driven by interest, fees, and other income streams. Net interest income (71% of total) increased 6.6%, fee income grew 10%, and other banking income climbed 13.9%, including gains from disposals and dividends from associates.
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Loan growth, higher costs, and sustainable finance
Operating expenses totaled RON 2.223 billion (+10%), reflecting higher non-salary costs, a 58% jump in the gross revenue tax to RON 203 million, continued IT&C investments, and higher external supplier costs.
Net loans expanded to RON 56.1 billion (+12.9%), with leasing up 6%. Corporate lending led growth (+16.7%), supported by large corporates (+23.9%). Retail loans rose 10%, while mortgages surged 29.1% to RON 5.7 billion. Deposits increased 10.5%, mainly from large corporates; retail flows were influenced by monthly retail government bond issues.
BRD Asset Management reinforced its market leadership in mutual funds, with RON 9.3 billion in assets under management (+51% YoY) and over 179,000 clients.
In sustainable finance, BRD originated EUR 919 million in 2025, including EUR 782 million for corporates. Notable deals include a EUR 190 million club loan for NE Property BV and acting as Green Financing Coordinator on a RON 1.7 billion syndicated loan for Distribuție Energie Oltenia SA.
The Board proposed a 50% dividend payout from net profit, subject to shareholder approval at the 29 April 2026 AGM.
Photo: Credit24h
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