The bank estimates a 4.5% increase on the lending segment, to RON27.6 billion, and a 7.2% hike on deposits segment, to RON38.6 billion, from RON36 billion a year earlier, according to the 2015 budget that will be approved on April 9. Thus, the loan-deposit ratio would decrease from 73% to 72%.
The bank also expects to regain the clients lost last year, when its client portfolio fell 2%.
Net banking income is estimated to increase by 3% this year, from RON2.5 million in 2014.
Operating costs are expected to increase moderately in 2015, after a 2.9% fall to RON1.25 million in 2014.
BRD expects a significant decrease of provision costs, after a 43% fall in 2014, given that lenders took measures to cover non-performing loans with provisions last year, as well as in 2013.
The bank also anticipates a lower rate of non-performing loans this year.
BRD-Groupe Societe Generale had total assets of RON45.2 billion at the end of December, down from RON47.1 billion in 2013.