At the bank level, net profit reached RON1.49 billion and net income stood at RON4.2 billion.
Income growth was driven by both interest and non-interest revenue streams.
“Throughout 2025, despite an even more tense and challenging environment, BRD remained committed to supporting its customers and the Romanian economy, achieving dynamic commercial results and resilient financial performance. Net loans outstanding, including leasing financing, increased by +13% YoY, given high performance on both corporate and retail segments. Building on strong expertise and long-term relationships with customers, lending on corporates preserved a robust growth pace, up by +17% YoY, incorporating expanding sustainable financing, new partnerships with financial institutions and conventions concluded with governmental institutions. Retail lending maintained a double-digit rhythm (+10% YoY), yet on a moderating trajectory, reflecting a more prudent consumer behavior,” stated Maria Rousseva, CEO of BRD Groupe Société Générale.
Operating expenses reached RON 2,223 million, +10% YoY primarily on rising non-staff costs. The latter were influenced on the one hand, by the tax on gross revenues which accounted for 9% of operating expenses and was +58% up YoY (RON 203 million in 2025 vs RON 129 million in 2024), and on the other hand, by the ongoing business optimization efforts, which led to continued prioritization of IT&C expenses, additional costs with external service providers, and a 2024 base effect linked to gains from sale of real estate.
Net loans outstanding, including leasing financing, reached RON 56.1 billion, increasing by +12.9% YoY compared to 2024 end (out of which net outstanding of leasing financing advanced by +6.0% YoY).
Corporate lending was the primary driver of growth (+16.7% YoY), underpinned by strong momentum on large corporates (+23.9% YoY). Retail net loans outstanding were up by +10.0% YoY as of December 2025 end, supported by loans to individuals (+11.6% YoY).
Loan production for individuals amounted to RON 13.4 billion, up by +14% YoY vs 2024, driven by higher demand for housing financing, reaching RON 5.7bn in 2025 (+29.1% YoY).
The deposit base rose by +10.5% YoY at year-end, with higher collection from large corporate segment, while retail deposit inflows were constrained by the monthly issuances of Romanian government bonds for individuals, offered at attractive yields.
Non-deposit saving solutions marked an accelerating performance in 2025.
BRD Asset Management consolidated its 1 st position on UCITS market, displaying an accelerating growth in assets under management (AUM) to RON 9.3 billion at year end, +51% YoY and 25.3% market share as of December 2025.
(English version by Catalina Apostoiu)