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3rd quarter and 9 months 2025| 30.10.2025 BRD GROUP RESULTS
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30/10/2025 23RD QUARTER AND 9M 2025 RESULTS DISCLAIMER The consolidated and separate financial position and income statement for the period ended September 30, 2025 were examined by the Board of Directors on October 29, 2025. The financial information presented for the period ended September 30, 2025 and comparative periods has been prepared according to IFRS as adopted by the European Union and applicable at this date. This financial information is at group level, does not constitute a full set of financial statements and is not audited. This presentation may contain forward-looking statements relating to the targets and strategies of BRD, based on a series of assumptions. These forward-looking statements would have been developed from scenarios based on a number of economic assumptions in the context of a given competitive and regulatory environment. BRD may be unable to anticipate all the risks, uncertainties or other factors likely to affect its business and to appraise their potential consequences, and to evaluate the extent to which the occurrence of a risk or a combination of risks could cause actual results to differ materially from those provided in this document. Investors and analysts are advised to take into account factors of uncertainty and risk likely to impact the operations of BRD when considering the information contained in any such forward-looking statements. Other than as required by applicable law, BRD does not undertake any obligation to update or revise any forward-looking information or statements.
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INTRODUCTION 1
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30/10/2025 43RD QUARTER AND 9M 2025 RESULTS 9M 2025: SUSTAINED BUSINESS MOMENTUM DRIVING FINANCIAL PERFORMANCE NCR RON -195m vs. RON -136m in 9M 24 Enhanced operating performance on positive jaws Net cost of risk evolution further confirming the normalization trend 1.83m users of YouBRD at Sep 25 end, +15% YoY GOI, +10% YoY in 9M 25 Loan book quality continued to remain solid NPL ratio 2.4% at Sep 25 end Coverage ratio 71.3% at Sep 25 end Loan portfolio growth +14% YoY at Sep 25 end Dynamic lending activity across segments, albeit softening, given the challenging economic context Volume of private individuals’ lending leads the growth, with solid contribution from mortgage Corporate lending momentum anchored by both large companies and SMEs Increased lending to fuel customers’ projects Net profit, RON 1,158m, +6% YoY vs 9M 24 Higher penetration of digital channels High profitability with ROE of ~16% NPL ratio, limited increase from very low levels RON 10.5bn individuals’ loan production in 9M 25, +26% YoY Steady build-up of deposit base Deposits up +10% YoY at Sep 25 end Sustainable finance transactions continue to gain traction Cashback loyalty program, 934k enrolled customers EUR 523m new sustainable loans in 9M 25 +15% YoY corporate loan portfolio
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30/10/2025 53RD QUARTER AND 9M 2025 RESULTS 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 society leaders to exchange ideas and find solutions to climate challenges through debates on policies, sustainable finance and investments or tech innovation. The 4th edition’s highlights: ✓ Approx. 3,000 onsite attendance through the entire Climate Week and 1 million + online views ✓ Newly launched event app recorded 250,000 user actions ✓ Prestigious participation by 60+ Romanian and international speakers ✓ Official launch of the new Climate Report ✓ 100+ companies started decarbonization plans during a 6-hour Masterclass ✓ Bucharest City Hall & Green Belt Foundation signed a collaboration protocol ✓ 2nd edition of Climate Change Summit Awards ✓ Expanding regional reach, with simultaneous events in Ljubljana and Sofia ✓ 25 additional events organized throughout the week
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MACROECONOMIC ENVIRONMENT 2
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30/10/2025 73RD QUARTER AND 9M 2025 RESULTS INFLATION RATE Source: BRD Research, NBR reports SUBDUED ECONOMIC GROWTH, ACCELERATING INFLATION Mildly accelerating growth across Europe, Romania lags behind Robust Q1 for EU economy, partially linked to “front-loading” trading activity ahead of US tariffs, followed by a slightly cooling Q2 Growth of RO economy remained modest (+0.3% YoY vs H1 2024), below potential, still consumption driven RO GDP advance expected to remain subdued, in the context of the fiscal consolidation package, likely to impact consumption and private investments Inflationary pressures persist Euro area inflation at 2.0% during Jun – Aug ‘25, and 2.2%, slightly above ECB official target, in Sep ‘25 Romania's CPI close to double-digit territory both in Aug and Sept ’25 (9.9%, up from 5.7% at end H1) reaching the highest level in EU and a two-year high driven by tax hikes and energy costs Inflation trajectory revised upwards by National Bank of Romania amid tightening fiscal constraints and rising uncertainty: 8.8% in Dec 25 (+4.2 pp vs. prev. est.) and 3.0% in Dec 26 (-0.4 pp vs. prev. est.) GDP GROWTH 3.8% 3.6% 3.0% 4.7% 7.3% 6.0% 3.9% -3.7% 5.7% 4.1% 2.4% 0.9% 0.3% 0.3%0.3% 1.8% 2.3% 2.0% 2.8% 2.1% 1.8% -5.6% 5.7% 3.4% 0.4% 1.0% 1.7% 1.6% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q1 2025 Q2 2025 RO EU 0.8% -0.9% -0.5% 3.3% 3.3% 4.0% 2.1% 8.2% 16.4% 6.6% 5.1% 5.0% 5.0% 4.9% 4.9% 5.5% 5.7% 7.8% 9.9% 9.9%
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30/10/2025 83RD QUARTER AND 9M 2025 RESULTS -0.4 -1.9 -0.3 1.5 -4.7 -16.4 -13.5 -7.4 10.9 26.0 25.2 29.1 44.6 44.7 50.4 39.5 18.3 33.8 -4.5 20.7 2.0 1.7 1.5 1.8 3.0 4.6 6.4 7.9 7.6 6.9 6.5 6.4 6.2 6.1 6.0 5.6 5.9 5.9 7.1 6.5 1.5 1.3 1.3 1.3 1.8 2.5 3.8 5.5 6.8 7.0 7.0 7.0 7.0 7.0 7.0 6.5 6.5 6.5 6.5 6.5 3.0 3.1 3.3 4.4 5.1 6.1 8.8 8.6 8.3 7.4 6.6 7.0 6.5 6.5 6.9 6.6 7.3 7.4 7.4 7.2 -20.0 -10.0 0.0 10.0 20.0 30.0 40.0 50.0 60.0 -3.5 -1.5 0.5 2.5 4.5 6.5 8.5 10.5 Banks' Liquidity Net Position (RONbn) ROBOR 3M (monthly average, %) NBR reference rate (%) RON Sov 10Y (%) KEY RATE STEADY , INTERBANK LIQUIDITY REBOUNDED AFTER RECENT SHORTFALL INTEREST RATESKey rate unchanged, in line with market expectations NBR maintained the monetary policy rate at 6.5% during 9M 2025, given higher than expected inflation trajectory and still uncertain macroeconomic environment Normalising trend of money market rates post elections spike After a prolonged period of ROBOR 3M hovering around 6%, mid-May 2025 witnessed a spike up to 7.4%, reflecting domestic political tense landscape Post elections, financial market conditions normalized, given the setup of the new governing coalition and the package of corrective fiscal measures, with ROBOR 3M declining progressively towards 6.5% in September 2025 Interbank liquidity rebound from recent shortage Political uncertainty in H1 2025 triggered FX pressure and nearly record-breaking capital outflows, driving interbank liquidity to RON 4.5bn deficit in June, a sharp reversal after a prolonged period of surplus The establishment of the new pro-EU and reform-oriented government restored investor confidence, leading to a rebound in interbank liquidity to a surplus of RON 20.7 bn in September Source: BRD Research, NBR Monthly reports, NBR Minutes of the monetary policy meetings
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30/10/2025 93RD QUARTER AND 9M 2025 RESULTS 4.96 4.09 3.83 3.35 2.65 2.37 2.48 2.81 2018 2019 2020 2021 2022 2023 2024 Jun '25 NPL ratio (%) 20.7 22.0 25.1 23.3 23.4 23.6 24.9 24.2 2018 2019 2020 2021 2022 2023 2024 Jun '25 Capital adequacy ratio (%) L/D ratio (%) LCR ratio (%) PRUDENTIAL BANKING INDICATORS REMAIN SOLID 58.5 60.8 63.3 66.1 65.6 64.6 66.0 Coverage ratio (%) Comfortable solvency and liquidity Capital adequacy at 24.2% as at June 2025 end vs 24.9% as at December 2024 remaining above the EU average of 20.4% Loan to deposit ratio (“L/D”) continued its downward trend since 2022 end, reaching 67.8% at June 2025 end, significantly lower than EU average (106.4% at June 2025 end) Although on a downward trend, liquidity remains strong, with LCR standing at 238.5% as at Aug 2025, significantly above both EU average (162% at June 2025 end) and regulatory requirement (100%) 238 243 293 239 209 281 255 73.6 71.0 65.9 68.8 71.4 67.8 67.6 Maintained position in EBA’s “low risk” bucket category, with NPL ratio <3% and NPL coverage >55% Gradual increase in NPL ratio, reaching 2.8% at Aug 2025 end, stable vs both June and July 2025, and 100 bps higher than the EU average (1.8% at June 2025 end) Coverage levels remain strong at 64% as at June 2025 end, more conservative than the average EU level at 41.7% 235 67.8 64.3 ASSET QUALITY – NPL & COVERAGE RATIOS Source: EBA Q2 2025 Risk Dashboard CAPITAL ADEQUACY, L/D & LCR
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3RD QUARTER AND 9 MONTHS 2025 BRD GROUP RESULTS 3
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30/10/2025 113RD QUARTER AND 9M 2025 RESULTS Multicurrency feature in YouBRD, allowing simpler and less costly payments (RON, EUR, USD, GBP) Partial early repayments of loans (consumer and housing) directly in YouBRD Cashback loyalty program: 934k enrolled customers ~RON 3.6m cashback amount since launch INTENSIFIED USAGE OF FEATURES - RICH REMOTE SOLUTIONS ENHANCED DIGITAL OFFER & CUSTOMER JOURNEYHIGHER ENGAGEMENT ON E-CHANNELS 1.83m YouBRD users, +15% YoY as of September 2025 end 27.6m transactions via YouBRD, +26% YoY vs 9M 2024 RON 45.7bn, transactions value via YouBRD, +52% YoY vs 9M 2024 83% of deposits & 85% of savings accounts opened in YouBRD 74% of import L/Cs and 62% of LGs processed through the trade finance client interface (“AllNet”) 9.4bn RON factoring turnover during 9M 2025, +11% YoY 270.9m acquiring transactions during 9M 2025, +25% YoY OPTIMIZED NETWORK SIZE AND SETUP Reduced no of branches -56% versus 2016 end -32 YoY, to 356 at Sept 25 end Expanded cashless approach 222 24/7 banking points, covering >60% of network 1.3m calls handled & 399k messages written in 9M 2025 76% calls answered in the first 20’’ & 19’’avg time for taking a call Intensified package sales, ~4.3k within the remote service flows HIGH QUALITY REMOTE INTERACTION WITH CUSTOMERS Newly implemented digital process in partnership with DGEP for automatically updating customers’ ID
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30/10/2025 123RD QUARTER AND 9M 2025 RESULTS +14.6% COMPREHENSIVE LENDING MOMENTUM YoY +13.7% +14.3% Retail lending, primary driver of growth Core retail loans outstanding up +14.3% YoY as of Sept 2025 end ✓ loan origination on individuals kept high, ~RON 10.5bn in 9M 2025, +25.8% YoY ✓ strong origination on mortgage, RON 4.4bn, +49.3% vs. 9M 2024 Dynamic lending on both large customers and SMEs ✓ double-digit growth on large corporates (+19.4% YoY), while SME loans outstanding remains supportive (+8.3% YoY) Consistent demand for leasing financing, net outstanding increasing by +8.2% YoY as of September 2025 end NET LOANS OUTSTANDING (end of period amounts, RON bn) Accelerated sustainability supporting financing BRD reinforced its commitment to responsible development, supporting its retail and corporate clients in 9M 2025 with new sustainable financing of EUR 114.2 million and EUR 409.1 million, respectively 0.7 0.6 0.5 27.0 28.1 30.8 19.3 21.1 22.2 47.0 49.7 53.4 Sep-24 Dec-24 Sep-25 +12.9% YoY +49.3% INDIVIDUALS’ LOAN PRODUCTION (RONm) ~2x +25.8% 1,786 2,959 4,419 3,842 5,392 6,089 5,627 8,352 10,508 9M-23 9M-24 9M-25 Housing loans Consumer loans
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30/10/2025 133RD QUARTER AND 9M 2025 RESULTS YoY RESILIENT AND BROAD DEPOSIT FOUNDATION DEPOSITS (end of period amounts, RON bn) +10.1% +23.7% +2.8% Steady build-up of deposit base, up +10% YoY ✓ Solid collection from large corporates, while SME growth remains supportive ✓ Individuals' customer deposits, challenged by the monthly issuances of Romanian government Solid and high quality liquidity L/D at 74.2% at Sep 2025 end (vs 71.9% at Sep 2024 end) High liquidity buffer (34% of total assets), mainly composed of government bonds Diversified saving products portfolio BRD Asset Management solidified its 1st position on UCITS market: ✓ RON 8.1bn AuM (+39% YoY) and 25.2% market share at September 2025 end ✓ offering investment solutions to more than 171 thousand clients across 12 investment funds 42.4 44.3 43.6 23.0 23.6 28.4 65.4 67.9 72.0 Sep-24 Dec-24 Sep-25 Retail Corporate
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30/10/2025 143RD QUARTER AND 9M 2025 RESULTS 727 788 215 223 74 75 1,016 1,085 Q3-2024 Q3-2025 COMMERCIAL EXPANSION, ENGINE FOR REVENUES GROWTH Double digit growth in NFC over 9M 2025 ✓ higher services fees given strong activity in cards, custody, transfers and lending ✓ one-off income item related to cards transaction fees in Q1 ’25 ✓ higher fees from off balance sheet commitments, partially reduced by SRT transaction related fees +3.4% YoY in Q3 2025, showcasing a gradually easing momentum NII, +7.5% YoY in 9M 2025, +8.4% YoY in Q3 2025, built on: ✓ segment - wide lending growth, +13.7% YoY as of Sep 2025 end ✓ positive assets mix with an increasing weight of loans, partially reduced by negative rate effect on retail loans Positive dynamic of 9M other income mainly reflects: ✓ higher net income from associates, mostly related to dividends booked in Q2 2025 and previous period base effect in relation to one off limited provision booked in Q1 2024 NET BANKING INCOME (RON m) Other income Net fees and commissions Net interest income Y/Y +9.0% +13.2% +12.7% +7.5% NET BANKING INCOME (RON m) Other income Net fees and commissions Net interest income Y/Y +6.7% +0.7% +3.4% +8.4% ✓ avg IRCC at 5.59% applied in 9M 2025 vs. 5.91% in 9M 2024 2,153 2,314 599 675 233 263 2,984 3,252 9M-2024 9M-2025
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30/10/2025 153RD QUARTER AND 9M 2025 RESULTS 261 248 190 223 33 68 484 539 Q3-2024 Q3-2025 755 778 619 678 44 49 95 133 1,512 1,638 9M-2024 9M-2025 COSTS EVOLUTION SHAPED BY DISCIPLINE DESPITE RISING TURNOVER TAX AND INFLATION OPERATING EXPENSES (RON m) Other expenses Staff expenses +11.3% -4.9% 2x Y/Y Staff costs evolution reflecting a highly competitive market and ongoing transformation +3.1% YoY in 9M 2025, driven by adjustments to salaries and other employee benefits (holiday vouchers, meal tickets) -4.9% YoY in Q3 2025, reflecting headcount reduction Notable improvement in underlying C/I ratio 44.8% in 9M 2025 vs 46.0% in 9M 2024, -126 bps YoY 43.4% in Q3 2025 vs 44.4% in Q3 2024, -96 bps YoY Tax on turnover Despite higher tax, costs’ rise controlled below inflation +6.2% YoY in 9M 2025 and +4.4% YoY in Q3 2025, excluding tax on turnover Rising pressure on costs amid doubling tax on turnover OPERATING EXPENSES (RON m) Other expenses Staff expenses +8.4% +3.1% +9.5% Y/Y FGDB & FR +40.6%Tax on turnover Other expenses’ increase primarily linked to IT&C, external services providers and Q3 2024 base effect linked to gains from sale of real estate C/I presented excluding tax on turnover and FGDB&RF cumulated contributions; Reported C/I at 50.4% in 9M 2025 vs 50.7% in 9M 2024 and 49.7% in Q3 2025 vs 47.6% in Q3 2024 +12.7% +17.2% ✓ RON 133m in 9M 2025 vs RON 95m in 9M 2024, +40.6% YoY ✓ RON 68m in Q3 2025 vs RON 33m in Q3 2024, given the twofold increase of tax rate (4% starting 1st of July)
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30/10/2025 163RD QUARTER AND 9M 2025 RESULTS SOLID CREDIT QUALITY INDICATORS All figures at individual level * NPL for Banking System as of August 2025 Notes: NPL computed acc. to EBA risk indicator AQT_3.2 NPL coverage computed acc. to EBA risk indicator AQT_41.2 *Note: CoR (bps) in quarter is annualized Net cost of risk at +39 bps in Q3 2025 Slightly lower Q3 cost of risk positively on the back of a more favorable evolution of the Non- Retail portfolio Slight NPL rise, in line with banking system evolution, but expected to remain below 2.5% by year-end Solid NPL coverage ratio, comfortably at 71% NPL RATIO (%) NET COST OF RISK (RONm, bps) 93 -47 128 36 33 44 15 74 61 52 26 -12 28 34 30 38 12 60 47 39 -6 0 -4 0 -2 0 - 2 0 4 0 6 0 8 0 1 00 1 20 1 40 2022 2023 2024 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 CoR (RONm) CoR (bps) 2.5% 1.9% 2.1% 2.2% 2.4% 2.1% 2.2% 2.3% 2.4% 2.7% 2.4% 2.4% 2.5% 2.5% 2.5% 2.5% 2.8% 2.8% Dec-22 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25* BRD Banking system NPL ratio and outlook
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30/10/2025 173RD QUARTER AND 9M 2025 RESULTS 23.6% 21.9% STRONG CAPITAL POSITION SOLVENCY RATIO Sep-24 Sep-25 Note: CAR at Sep 2025 end is preliminary and excludes the impact of the regulatory temporary treatments (implemented through art 468 and art 500a of CRR3 in July 2024 and valid until 1st of January 2026). Solvency ratio including the impact of regulatory temporary treatments stands at 25.2% +8bps +211bps 2024 retained profit OtherOCI RWA -377bps +8bps CAR of 21.9% at September 2025 end Regulatory own funds composed of Tier 1 and Tier 2 capital Tier 2 capital consists of EUR 250m subordinated loans Total risk exposure amount YoY variation explained by: ✓ higher operational risk RWA due to application of CRR3 requirements, implemented starting Q1 2025 ✓ higher credit risk component given portfolio expansion, partly netted also due to CRR3 application The year-on-year variation of own funds mainly explained by incorporation of 50% of 2024 net profit Bank only Sep-24 Sep-25 Common Equity Tier 1 (RONm) 7,745 8,455 Tier 1 (RONm) 7,745 8,455 Tier 2 (RONm) 1,244 1,270 Total own funds (RONm) 8,228 8,970 Total risk exposure amount (RONm) 34,936 40,977 Tier 1 Ratio 20.0% 18.8% Total Capital Ratio 23.6% 21.9% MREL well respected
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CONCLUSIONS 4
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30/10/2025 193RD QUARTER AND 9M 2025 RESULTS 9M 2025: SUSTAINED BUSINESS VELOCITY AMID CHALLENGING MACROECONOMICS ▪ Despite growing headwinds, BRD sustained a strong commercial drive and delivered high performance ✓ Net loans outstanding, up +14% YoY, with growth spanning across all key markets Loan origination on individuals kept strong, with solid contribution from mortgage Corporate lending momentum anchored by both large companied and SMEs ✓ Strong partner for our customers’ responsible development plans through sustainable financing offered to both retail (EUR 114.2 million) and corporate customers (EUR 409.1 million) in 9M 2025 ✓ A solid, growing pool of varied deposits base, +10% YoY ✓ Higher adoption of constantly enriched mobile app, 1.83m users of YouBRD, +15% YoY at September 2025 end ▪ Growth-based solid financial results ✓ Dynamic business activity fueling growing revenues ✓ Disciplined costs’ oversight ✓ Asset quality ratios kept sound; normalizing cost of risk ✓ RON 1,158m net profit, +6% YoY and solid ~16% ROE in 9M 25 ▪ Comfortable capital and liquidity, providing a robust foundation for further lending expansion
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Q&A SESSION 5
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APPENDIX BRD GROUP – KEY FIGURES BRD STANDALONE - KEY FIGURES BRD STOCK PRICE PERFORMANCE GLOSSARY – CLIENT SEGMENTATION 6
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30/10/2025 223RD QUARTER AND 9M 2025 RESULTS 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 Q3-2025 Q3-2024 Change 9M-2025 9M-2024 Change Net banking income 1,085 1,016 +6.7% 3,252 2,984 +9.0% Operating expenses (539) (484) +11.3% (1,638) (1,512) +8.4% Gross operating income 546 532 +2.6% 1,614 1,472 +9.6% Net cost of risk (53) (45) +18.2% (195) (136) +43.6% Net profit 393 400 -1.7% 1,158 1,094 +5.8% Cost/Income 49.7% 47.6% +2.0 pt 50.4% 50.7% -0.3 pt ROE 16.1% 17.9% -1.8 pt 15.9% 16.1% -0.3 pt RON bn Sep-25 Sep-24 vs. Sep-24 Net loans including leasing (RON bn) 53.4 47.0 +13.7% Retail 31.3 27.7 +13.1% Corporate 22.2 19.3 +14.6% Loans and deposits Total deposits (RON bn) 72.0 65.4 +10.1% Retail 43.6 42.4 +2.8% Corporate 28.4 23.0 +23.7% Loan to deposit ratio 74.2% 71.9% +2.3 pt Financial results
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30/10/2025 233RD QUARTER AND 9M 2025 RESULTS BRD STANDALONE | KEY FIGURES CAR at September 2025 end is preliminary and excludes the impact of the new regulatory temporary treatments (implemented thro ugh art 468 and art 500a of CRR3 in July 2024 and valid until 1st of January 2026). Solvency ratio including the impact of new regulatory temporary treatments stands at 25.4% (1) Variations at constant exchange rate; (2) Bank only, including impact of prudential filters in Sep-17 and Dec-17; RON m Q3-2025 Q3-2024 Change 9M-2025 9M-2024 Change Net banking income 1,055 992 +6.3% 3,150 2,884 +9.2% Financial results Operating expenses (525) (473) +10.9% (1,595) (1,471) +8.4% Gross operating income 530 519 +2.1% 1,555 1,413 +10.1% Net cost of risk (52) (44) +17.5% (186) (113) +64.6% Net profit 383 391 -1.9% 1,118 1,066 +4.9% Cost/Income 49.7% 47.7% +2.1 pt 50.6% 51.0% -0.4 pt ROE 16.4% 18.3% -1.9 pt 16.0% 16.5% -0.4 pt Loans and deposits RON bn Sep-25 Sep-24 vs. Sep-24 Net loans (RON bn) 50.9 44.6 +14.1% Retail 30.4 26.8 +13.3% Corporate 20.6 17.9 +15.2% Total deposits (RON bn) 72.3 65.7 +10.1% Retail 43.6 42.4 +2.8% Corporate 28.7 23.3 +23.3% Loan to deposit ratio 70.5% 68.0% +2.5 pt Capital adequacy CAR 21.9% 23.6% -1.7 pt Franchise No of branches 356 388 -32
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30/10/2025 243RD QUARTER AND 9M 2025 RESULTS BRD | STOCK PRICE PERFORMANCE ▪ BRD is part of the main market indices on the Bucharest Stock Exchange ▪ BRD’s share price reached RON 20.7 as of September 2025 end, down by -1.4% YoY 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 Market capitalisation EUR 2.8 bn Volume ('000 shares, rhs) Price (RON, lhs)
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30/10/2025 253RD QUARTER AND 9M 2025 RESULTS 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 transfer and payment facilities. • Small business – business entities with annual turnover lower than EUR 1m and having an aggregated exposure at group level less than EUR 0.3m. Standardized range of banking products is offered to small companies and professionals: savings and deposits taking, loans, transfers and payment services. ▪ The Corporate category is comprised of the following customer segments: • Small and medium-sized enterprises - companies with annual turnover between EUR 1m and EUR 50m and the aggregated exposure at group level higher than EUR 0.3m. The Bank provides SMEs with a range of banking products such as: savings and deposits taking, loans and other credit facilities, transfers and payment services. • Large corporate - within corporate banking BRD provides customers with a range of banking products and services, including lending and deposit taking, provides cash-management, investment advices, securities business, project and structured finance transaction, syndicated loans and asset backed transactions. The large corporate customers include companies with annual turnover higher than EUR 50m, municipalities, public sector and other financial institutions.
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BRD GROUPE SOCIETE GENERALE - INVESTOR RELATIONS +4 021 380 47 62 | investor@brd.ro; www.brd.ro