“During the first nine months of the year, marked by a tense environment, BRD remained anchored in its commitment to serve both its customers and the broader Romanian economy and continued to deliver dynamic commercial and financial results. Net loans outstanding, including leasing financing, increased by +14% YoY, building on positive performance on both retail and corporate segments. Lending on individuals showcased as primary growth engine, with an increase of 15% in net outstanding and a remarkable dynamic of loan production, reaching RON 10.5bn during 9M 2025. While lending on corporates remained rather strong, its annual dynamic tempered to +15.0% YoY, given the challenging macroeconomic context and perspectives,” stated Maria Rousseva, CEO of BRD Groupe Société Générale.
Sustainable finance transactions reached EUR523m in 9M 2025.
Net loans outstanding (including leasing financing), +13.7% YoY as of September 2025 end, fueled by dynamic lending activity across segments.
Retail lending led the growth across segments, with net loans outstanding up by +13.2% YoY as of September 2025 end, supported by loans to individuals (+14.5% YoY).
Loan origination for individuals during the first nine months of 2025 kept strong, reaching RON 10.5 billion, up by +25.8% YoY vs 9M 2024.
While lending on corporates remained strong, supported by contributions from both large corporates and SMEs, its annual growth tempered to +15.0% YoY, compared to previous quarters, amidst tightening macroeconomic conditions.
The deposit base increased by +10% YoY as of end of September 2025. Retail deposits, rose by +2.8% YoY, building on higher inflows from private individuals, challenged however by the monthly issuances of Romanian government bonds for individuals, offering competitive returns. Deposits from corporate customers, reached a YoY growth of +23.7%, underpinned primarily by large corporates.
Assets under management reached RON 8.1 billion as of September 2025 end, up by +39% YoY.
The group’s gross operating income reached RON1.61 billion in the first nine months of 2025, up 9.6% year-on-year, while the C/I ratio improved to 50.4%.
The loan book quality continued to remain solid during 9M 2025, with NPL ratio (Bank level) marking a limited increase from very low levels, reaching 2.4% at September 2025, and still below the banking system average (2.8% as of August 2025).
(English version by Catalina Apostoiu)