Slides
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2nd quarter and 1st half 2026| 30.07.2026 BRD GROUP RESULTS
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30/07/2026 22ND QUARTER AND 1ST HALF 2026 RESULTS The consolidated and separate financial position and income statement for the period ended June 30, 2026 were examined by the Board of Directors on July 29, 2026. The financial information presented for the period ended June 30, 2026, and comparative period 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. DISCLAIMER
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30/07/2026 32ND QUARTER AND 1ST HALF 2026 RESULTS H1 2026: RESILIENT COMMERCIAL DYNAMICS Resilient revenue performance amid macroeconomic pressures and high competition 1.96m users of YouBRD at June 26 end, +11% YoY GOI, RON 1.11bn, +10% YoY , excl. tax on turnover Strong asset quality NPL ratio, 2.7% at June 26 end Loan portfolio, +12% YoY at June 26 end Large corporates fueled non-retail performance, reflecting enduring client partnerships Loan portfolio remained dynamic across segments, despite macro challenges Growing client adoption of digital channels ROE of 17%, excl. turnover tax Low NPL ratio, fairly stable over the last quarters H1 2026 NCR, in line with full year guidance Large corporates’ loans portfolio, +23% YoY Stable and resilient deposit foundation Deposits up +4% YoY at June 26 end Financing transition towards a more sustainable economy RON 35.2bn through 22m transactions EUR 2.63bn cumulative sustainable financing over last 5y Individuals’ loans portfolio, +9% YoY Strong housing loans demand supporting lending to individuals NPL coverage ratio, 65.6% at June 26 end +11% YoY , excl. tax on turnover Net profit, RON 784m in H1 26 NCR, 52 bps in H1 2026 Notes: Cost of risk (bps) for H1 2026 is annualized and presented at Bank level; NPL ratio, and NPL coverage, both at Bank level
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30/07/2026 42ND QUARTER AND 1ST HALF 2026 RESULTS Macroeconomic environment 1 Business performance 2 Financial performance 3 Asset quality and cost of risk 4 Capital adequacy 5 Conclusions 6 Appendix 7 AGENDA
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30/07/2026 52ND QUARTER AND 1ST HALF 2026 RESULTS FRAGILE GROWTH PROSPECTS ON WEAKER DEMAND AND FISCAL TIGHTENING Real GDP: -1.2% YoY in Q1 2026, flat QoQ Consumption weakened due to fiscal tightening and inflation Q1 2026: stabilisation, modest growth expected by year-end Unemployment: 6.4% (May 2026 end) Labor market weakening Fiscal deficit 2% of GDP in 6M 2026 (3.6% in 6M 2025) Current account deficit ~ 7.4% of 2026e GDP CPI: 10.4% YoY (June 2026) NBR inflation projection: ~5.5% expected for 2026 end Policy rate: 6.50% (unchanged since August 2024) ROBOR 3M: ~5.8% (June 2026 end) Long-term yields (RO 10Y govies): ~6–7% range (H1 2026) Sources: BRD Research, European Commission database and reports, NBR reports, NBR minutes of the monetary policy meetings. Notes: 1. GDP forecasts from the European Commission and inflation (avg.) forecasts from NBR; end of period inflation forecasts as follows: for 2026 at 5.5% and for 2027 at 2.9%; 2. Gross Fixed Capital Formation. EUR/RON: ~5.1–5.3 (H1 2026) Currency depreciating vs. EUR by +2.8% year-to-date 5.6 4.2 2.3 0.9 0.7 0.1 2.35.0 13.7 10.5 5.6 7.3 7.9 3.4 -40 -35 -30 -25 -20 -15 -10 -5 0 5 10 15 -4 -2 0 2 4 6 8 10 2021 2022 2023 2024 2025 2026e 2027e Inflation (avg.) GDP growth Households Government GFC Inventories Net Exports Romanian GDP & inflation development (%, YoY) Forecasts1 (%, YoY) Interest rates development (%) 3.0 Dec-20 1.7 3.1 Mar-21 1.5 3.3 Jun-21 1.8 4.4 Sep-21 3.0 5.1 Dec-21 4.6 6.1 Mar-22 6.4 8.8 Jun-22 7.9 8.6 Sep-22 7.6 8.3 Dec-22 6.9 7.4Mar-23 6.5 6.6 Jun-23 6.4 7.0 Sep-23 6.2 6.5Dec-23 6.1 6.5Mar-24 6.0 6.9 Jun-24 5.6 6.6 Sep-24 5.9 7.3 Dec-24 5.9 7.4 Mar-25 7.1 7.4 Jun-25 6.5 2.0 7.2 Sep-25 6.2 6.7 Dec-25 6.0 1.5 Jan-26 5.8 6.2Feb-26 5.9 7.1 Mar-26 5.9 6.5 6.6 Apr-26 5.9 6.5 6.8 May-26 5.8 6.5 6.7 Jun-26 7.3 ROBOR 3M NBR reference rate RON Sov 10Y 2
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30/07/2026 62ND QUARTER AND 1ST HALF 2026 RESULTS STRONG PRUDENTIAL INDICATORS, COMPARING FAVORABLY WITH EU AVERAGES Capital adequacy – 23.7% at Mar-26 (-0.5 p.p. YoY) Above EU avg. of 20.4% Loan / Deposit ratio – 67.5% at Mar-26 (+3.0 p.p. YoY) Below EU avg. of 106.4% LCR – 246% at Mar-26 (-6.4 p.p. YoY) Above EU avg. of 158% & regulatory req. (100%) NPL ratio – 2.8% at Mar-26 (+0.3 p.p. YoY) Above EU avg. of 1.8% NPL coverage – 63.6% at Mar-26 (-2.5 p.p. YoY) Above EU avg. of 41.3% Sources: EBA Q1 2026 Risk Dashboard, NBR website Loan growth improved in Q2’ 26, reaching 9.7% at May-26 Consumer lending slowed noticeably; mortgages remain robust Capital & LiquidityAsset Quality Deposits growth within 6-7% range in H1 2026 (6.6% in May-26) Corporate deposits led slowdown, followed by households Loans & Deposits 25.1 23.3 23.4 23.6 24.9 24.4 23.7 2020 2021 2022 2023 2024 2025 Mar-26 293 239 209 281 255 65.9 68.8 71.4 67.8 67.6 257 67.3 Capital adequacy ratio (%) L/D ratio (%) LCR ratio (%) 3.8 3.4 2.7 2.4 2.5 2.7 2.8 2020 2021 2022 2023 2024 2025 Mar-26 NPL ratio (%) 63.3 66.1 65.6 64.6 66.0 62.6 Coverage ratio (%) Capital adequacy, L/D, LCR (%) NPL & Coverage ratios (%) 63.6 246 67.5
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30/07/2026 72ND QUARTER AND 1ST HALF 2026 RESULTS Macroeconomic environment 1 AGENDA Business performance 2 Financial performance 3 Asset quality and cost of risk 4 Capital adequacy 5 Conclusions 6 Appendix 7
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30/07/2026 82ND QUARTER AND 1ST HALF 2026 RESULTS 1.96m YouBRD users, +11% YoY Cashback loyalty – 1.2m enrolled clients, RON 4.8m cashback in 2 years since launch E-BANKING DRIVING HIGHER CUSTOMER ACTIVITY IN H1 2026 ENHANCED CUSTOMER JOURNEYS … …LEADING TO INCREASED ENGAGEMENT ACROSS DIGITAL CHANNELS... 22m transactions via YouBRD, +21.8% YoY RON 35.2bn, transactions value via YouBRD, +22.4% YoY 97% of corporate and 96% of SME transactions were digital 80% of deposits opened in YouBRD RON 5.93bn factoring turnover 72% of FX trades processed through e-tools 178.2m acquiring transactions …BENEFITING FROM FAST AND RELIABLE CUSTOMER SUPPORT… ~780k calls received 98% of calls handled, up from 95% in H1 2025 (+3% YoY) 85% of calls answered within 20’’ (+10% YoY) 9’’ avg answer time, reduced from 21’’ in H1 2025 High level of digital interaction: 275k written messages (vs 270k in H1 2025) Intensified packages sale within remote service workflows ...AND A LEANER, OPTIMISED NETWORK Optimization of the branch network, -23 YoY, to 334 branches 24h self service capabilities for cash transactions in 268 branches NEW Pre-approved consumer loan – available in app NEW Insurance policy - RCA eID accepted for onboarding NEW Travel insurance, 100% online, extended beyond premium cards holders
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30/07/2026 92ND QUARTER AND 1ST HALF 2026 RESULTS Net loans outstanding, incl. leasing (RON bn) Household loan production (RON bn) Double-digit loan growth (+11.6% YoY) Driven by large corporate and individuals’ segments Resilient performance on housing loans Strong growth on large corporates 1.49 1.55 1.31 1.38 1.64 2.18 1.99 1.57 1.85 2.12 Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 3.67 3.53 2.88 3.23 3.76 Housing loans: RON 18.5 bn, +12.1% YoY, RON 3.0 bn production in H1 2026, +5.1% YoY Consumer loans: RON 12.1 bn, +5.8% YoY RON 4.0 bn production in H1 2026, -3.2% YoY Large corporates: RON 15.8 bn, +23.4% YoY SMEs: RON 8.3bn, +7.3% YoY EUR 2.63 bn sustainable financing delivered since 2021, of which EUR 304m in H1 2026 Leasing portfolio: RON 2.1bn, +1.6% YoY YoY QoQ +2.6% +16.5% -2.8% +14.4% +10.4% +19.4% YoY YTD +11.6% +3.8% +16.5% +3.4% +8.5% +4.3%29.8 30.8 31.0 31.4 32.4 21.9 22.2 24.7 24.1 25.5 0.5 Jun-25 0.5 Sep-25 0.4 Dec-25 0.4 Mar-26 0.4 Jun-26 52.2 53.4 56.1 55.9 58.3 Corporate Retail - core Retail - HE runoff Note: Amounts refer to net outstandings unless otherwise stated SOLID LENDING ACTIVITY ON LARGE CORPORATES AND PRIVATE INDIVIDUALS Consumer Mortgage
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30/07/2026 102ND QUARTER AND 1ST HALF 2026 RESULTS Customer deposits (RON bn) BRD AM: Assets under management (RON bn) 27.2 28.4 29.5 28.8 26.9 43.5 43.6 45.5 46.8 46.8 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 70.7 72.0 75.0 75.7 73.7 7.3 8.1 9.3 9.3 10.6 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 46% Private individuals’ deposits, most stable and granular funding source, up by +8.5% YoY Corporate deposits -1.1% YoY, reflecting fluctuations in business funding needs #2 BRD AM holds top position on local UCITS market (23.9% market share at May 2026 end) Patria AM acquisition approved by FSA in July 2026 (3.2% market share at May ‘26 end) Varied investment and financial planning offer: Total deposits +4.1% YoY with growth driven by retail: 23.0 23.0 23.4 22.8 22.7 8.0 7.9 8.3 7.9 8.5 YoY YTD +4.1% -1.9% +7.4% +2.7% -1.1% -8.9% Retail Corporate Market share* 23.9% *May ‘26 end SOUND GROWTH ACROSS A DIVERSIFIED SAVINGS AND WEALTH ECOSYSTEM C/A (RON bn) BRD Asigurari de Viata holds a strong position on the local life insurance market (12.9% market share at March 2026 end) Net L/D, including leasing, 79.1% at June 2026 end, +5.3pp YoY High liquidity buffer (29% of total assets), mainly government bonds Solid liquidity position, LCR at 170% at June 2026 end (Bank level) #3
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30/07/2026 112ND QUARTER AND 1ST HALF 2026 RESULTS Macroeconomic environment 1 AGENDA Business performance 2 Financial performance 3 Asset quality and cost of risk 4 Capital adequacy 5 Conclusions 6 Appendix 7
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30/07/2026 122ND QUARTER AND 1ST HALF 2026 RESULTS NBI year-on-year (RON m) 107 213 223 215 202 251 768 788 791 759 790 Q2-2025 75 Q3-2025 92 Q4-2025 101 Q1-2026 104 Q2-2026 1,087 1,085 1,097 1,062 1,144 NBI by quarters (RON m) 206 453 452 1,526 1,548 188 H1-2025 H1-2026 2,167 2,206 NII NFC Other income BALANCE SHEET EXPANSION SUPPORTING REVENUES DYNAMIC Note: NIM at Bank level, based on net loans and deposits monthly average outstandings +5.2% +7.8% +2.8% +4.1% +17.9% +24.1% -2.7% +3.0% YoY QoQ +1.8% +1.4% -0.1% +9.0% YoY 3.35% 3.31% 3.26% 3.04% 3.06% NIM (%) NII, +1.4% YoY in H1 2026, +2.8% YoY in Q2 2026 ❑ consistently accounting for over 70% of total revenues ❑ substantial volume growth supporting revenues generation ❑ interest income impacted by lower loan yields and structure effect mainly linked to share of loans and bond portfolio in asset mix ❑ interest expense increase reflects higher funding volumes and adjustment of remuneration rate to liquidity and market conditions NBI, +1.8% YoY in H1 2026, +5.2% YoY in Q2 2026 Other banking income evolution (+9% YoY in H1 2026) supported by higher income from associates and a Q1 2026 one-off revenue item NFC broadly stable during H1 2026, YoY ❑ higher revenues from brokerage, custody and asset management activities, and off - balance sheet commitments given improved clients activity ❑ Lower service income following inactive accounts clean-up ❑ Q2 2026 driven by card activity (incl. a favourable one-off)
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30/07/2026 132ND QUARTER AND 1ST HALF 2026 RESULTS OPEX year-on-year (RON m) 68 69 68 71 227 223 259 240 229 266 248 256 248 238 33 Q2-2025 Q3-2025 Q4-2025 Q1-2026 Q2-2026 526 539 585 556 538 COSTS MAINTAINED UNDER STRICT SUPERVISION, VISIBILE C/I IMPROVEMENT 139 469 455 486 530 6649 H1-2025 H1-2026 1,100 1,094 Staff expenses Other expenses Turnover tax FGDB&RF OPEX by quarter (RON m) YoY QoQ +2.2% -3.3% -10.5% -4.1% +1.0% -4.4% 2.1x +4.0% YoY -0.5% -8.3% +3.1% 2.1x 48.4% 49.7% 53.3% 52.4% 47.0% C/I (%) Excluding tax on turnover and previous year FGDB&RF contribution, costs reduced by -3% YoY in H1 2026 Operating expenses, -0.5% YoY in H1 2026, +2.2% YoY in Q2 2026 ❑ rigorous cost discipline in a high tax and persistent inflation environment (avg inflation at 10.13% vs 5.13% in H1 2025) Higher tax on turnover, RON 139m vs RON 66m in H1 2025, reflecting the 4% rate vs 2% in H1 2025, partly offsetting ongoing optimisation efforts Other expenses dynamic reflects increase of IT&C related costs, amid depreciation of past investments and ongoing infrastructure and digitalization initiatives, moderated by reduced real estate footprint costs Staff expenses, -8.3% YoY in H1 2026, -10.5% YoY in Q2 2026 ❑ operating model optimisation through network resizing, process simplification and organisational streamlining, supporting efficiency in a fast-evolving and competitive environment Significant reduction in C/I ratio Reported C/I at 49.6% in H1 2026 vs 50.7% in H1 2025, -115 bps Adjusted* C/I at 43.3% in H1 2026 vs 45.4% in H1 2025, -214 bps Note: *Adjusted C/I refers to the exclusion of the tax on turnover and FGDB&RF contributions, from the costs base
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30/07/2026 142ND QUARTER AND 1ST HALF 2026 RESULTS Macroeconomic environment 1 AGENDA Business performance 2 Financial performance 3 Asset quality and cost of risk 4 Capital adequacy 5 Conclusions 6 Appendix 7
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30/07/2026 152ND QUARTER AND 1ST HALF 2026 RESULTS CREDIT QUALITY INDICATORS KEEP SOLID * NPL ratio for Banking System as of May 2026 Notes: NPL ratio 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, figures at Bank level Net cost of risk Q2 2026 NCR is driven by particular corporate new default Stable evolution of retail loans portfolio quality, related NCR being driven mainly by the macroeconomic expectations review and NPL sales H1 2026 NCR stays at 52 bps, in line with full year guidance NPL ratio NPL rate at 2.7%, lower than the banking system average (2.9% as of May 2026) Stable QoQ NPL coverage. The ratio reached 65.6% at second quarter end vs 65.9% at previous quarter end EBA NPL ratio (%), all figures at Bank level 2.32% 2.81% Q2 2025 2.38% 2.87% Q3 2025 2.41% 2.71% Q4 2025 2.49% 2.83% Q1 2026 2.68% 2.92% Q2 2026* 61 52 33 55 92 0 20 40 60 80 -500 -400 -300 -200 -100 0 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 CoR (RONm) BRD Banking system CoR (bps) Net cost of risk (bps, RON m) 47 39 25 41 64
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30/07/2026 162ND QUARTER AND 1ST HALF 2026 RESULTS Macroeconomic environment 1 AGENDA Business performance 2 Financial performance 3 Asset quality and cost of risk 4 Capital adequacy 5 Conclusions 6 Appendix 7
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30/07/2026 172ND QUARTER AND 1ST HALF 2026 RESULTS Note: All figures on the slide at Bank level; TSCR (Total SREP Capital Requirement); CBR (Combined Buffer Requirements); 1CAR and MREL at June 2026 end, preliminary. CAR at June 2025 end 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). Solid, high-quality capital composed mainly of Tier 1 capital (87% of total capital); Tier 2 capital consists of EUR 250m subordinated loans The Own Funds evolution year-on-year was primarily attributable to the incorporation of 50% of 2025 net profit and improved OCI following favorable movements in government bond yields The year-on-year RWA increase reflects strong lending dynamics and higher risk weights for EUR-denominated Romanian sovereign exposures (from 10% to 25%) starting 2026 under Reg (EU) 2024/1623 STRONG CAPITAL POSITION SUPPORTING GROWTH 22.1 22.0 1.8 5.0 Jun-25 2025 retained profit 0.9 OCI -2.8 RWA growth -0.1 Other Jun-26 13.8 Total capital requirement 18.8+3.2 Drivers for YoY change in Capital Adequacy Ratio1 (%) Risk-weighted assets (RON bn) Main regulatory ratios (Jun-26 end, %) Requirement Actual CET1 12.7% 19.1% Tier 1 15.3% 19.1% CAR 18.8% 22.0% MREL 31.4% 32.9% TSCR CBR 5.0 5.0 5.5 5.5 5.5 35.1 0.4 Jun-25 0.3 Sep-25 37.0 0.5 Dec-25 37.0 0.5 Mar-26 39.7 0.5 Jun-26 40.5 41.4 43.0 43.0 45.7 36.1 Credit risk (incl. CCR) Operational risk other (Market & CVA risk)
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30/07/2026 182ND QUARTER AND 1ST HALF 2026 RESULTS Macroeconomic environment 1 AGENDA Business performance 2 Financial performance 3 Asset quality and cost of risk 4 Capital adequacy 5 Conclusions 6 Appendix 7
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30/07/2026 192ND QUARTER AND 1ST HALF 2026 RESULTS Notes: Cost of risk (bps) for H1 2026 is annualized and presented at Bank level; NPL ratio, NPL coverage, LCR (Liquidity Coverage Ratio), CAR (Capital Adequacy Ratio) at Bank level Net loans, +12% RON 58.3bn 5y Sustainable Financing EUR 2.63bn H1 2026: SUSTAINABLE GROWTH THROUGH DISCIPLINED EXECUTION Business performance Individuals +9% Large corporates +23% Income statement Liquidity Coverage Ratio 170% Balance sheet & Capital NPL ratio 2.7% NPL coverage 65.6% Deposits RON 73.7bn BRD AM RON 10.6bn AuM ROE 17%, excl. turnover tax GOI, excl. tax +10.4% Cost of Risk 52bps C/I ratio, excl. tax 43.3% Net profit, +11%, excl. tax RON 784m Loan/Deposit 79% Capital Adequacy Ratio 22%
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30/07/2026 202ND QUARTER AND 1ST HALF 2026 RESULTS Resilient performance due to strict cost and risk management, building on a solid capital foundation Broad-based loan growth (+11.6% YoY) in a competitive landscape and fragile macroeconomic context: ❑ Large corporate (+23% YoY) and private individuals (+9% YoY) as main pillars of growth ❑ Resilient demand for housing loans in a weakening growth environment ❑ Customer satisfaction and trust supporting volume expansion on large corporates segment ❑ Scaling sustainable financing to support clients’ energy transition and unlock potential on green finance market Diversified savings and investment offering that help customers achieve their financial goals, while underpinning the bank’s funding profile with a resilient, granular and growing retail savings base (retail deposits up by +7% YoY) Strengthened customer relationships by enhancing satisfaction and digital adoption (1.96m You BRD users, +11% YoY) Profitability generation sustained by rising lending volumes, strict cost oversight and sound risk profile ❑ Expanding volumes supporting revenues while margin pressure remains elevated in an intense competitive environment ❑ Further cost optimization while continuing to invest in technology to streamline processes and drive innovation ❑ Good asset quality; efficient risk management with focus on sound portfolio growth ❑ RON 784m net profit in H1 2026, +11% YoY and solid ROE of 17%, both excluding tax on gross revenues Solid liquidity and capital positions BRD remains committed to financing the Romanian economy, while further optimizing its hybrid business model through high-value customer-centric products and seamless digital services. This approach is expected to support BRD Group’s sustainable growth and profitability, while preserving its solid foundations. H1 2026: DYNAMIC LENDING, SOLID PROFITABILITY AND ROBUST BALANCE SHEET
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30/07/2026 212ND QUARTER AND 1ST HALF 2026 RESULTS Macroeconomic environment 1 Business performance 2 Financial performance 3 Asset quality and cost of risk 4 Capital adequacy 5 Conclusions 6 Appendix 7 AGENDA
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30/07/2026 222ND QUARTER AND 1ST HALF 2026 RESULTS RON m Q2-2026 Q2-2025 Change H1-2026 H1-2025 Change Net banking income 1,144 1,087 5.2% 2,206 2,167 1.8% Operating expenses (538) (526) 2.2% (1,094) (1,100) -0.5% Gross operating income 606 561 8.1% 1,112 1,068 4.2% Net cost of risk (94) (63) 49.9% (147) (142) 3.8% Net profit 415 415 0.0% 784 764 2.5% Cost/Income 47.0% 48.4% -1.4 pt 49.6% 50.7% -1.1 pt ROE 15.4% 17.1% -1.7 pt 14.7% 16.1% -1.4 pt RON bn Jun-2026 Jun-2025 vs. Jun-25 Net loans including leasing (RON bn) 58.3 52.2 +11.6% Retail 32.8 30.4 +8.0% Corporate 25.5 21.9 +16.5% Loans and deposits Total deposits (RON bn) 73.7 70.7 +4.1% Retail 46.8 43.5 +7.4% Corporate 26.9 27.2 -1.1% Loan to deposit ratio 79.1% 73.8% +5.3 pt Financial results 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 BRD GROUP | KEY FIGURES
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30/07/2026 232ND QUARTER AND 1ST HALF 2026 RESULTS BRD STANDALONE | KEY FIGURES RON m Q2-2026 Q2-2025 Change H1-2026 H1-2025 Change Net banking income 1,109 1,054 5.2% 2,126 2,095 1.5% Operating expenses (523) (513) 2.1% (1,065) (1,070) -0.6% Financial results Gross operating income 585 541 8.1% 1,061 1,024 3.6% Net cost of risk (92) (60) 52.1% (147) (134) 9.6% Net profit 401 401 +0.2% 743 735 +1.1% Cost/Income 47.2% 48.6% -1.4 pt 50.1% 51.1% -1.0 pt ROE 15.5% 17.3% -1.8 pt 14.6% 16.2% -1.6 pt RON bn Jun-2026 Jun-2025 vs. Jun-25 Net loans (RON bn) 0 0 0 55.8 49.8 +12.1% Retail 0 0 0 31.9 29.4 +8.4% Corporate 0 0 0 23.8 20.3 +17.4% Loans and deposits Total deposits (RON bn) 0 0 0 74.1 70.9 +4.4% Retail 0 0 0 46.8 43.5 +7.4% Corporate 0 0 0 27.3 27.4 -0.4% Loan to deposit ratio 0 0 0 75.3% 70.1% 5.2 pt Capital adequacy CAR 0 0 0 22.0% 22.1% -0.1 pt 0 0 0 0 0 0 0 0 0 0.0% 0.0% 0.0% +0.0 pt +0.0 pt 0 0 0 Note: CAR at June 2026 end is preliminary. CAR at June 2025 end 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).
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30/07/2026 242ND QUARTER AND 1ST HALF 2026 RESULTS ✓ BRD is part of the main market indices on the Bucharest Stock Exchange ✓ BRD’s share price reached RON 35.9 as of June 2026 end, +83.2% YoY BRD STOCK PRICE PERFORMANCE 0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 22.0 24.0 26.0 28.0 30.0 32.0 34.0 36.0 38.0 40.0 Market capitalisation EUR 4.8 bn Volume ('000 shares, rhs) Price (RON, lhs)
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30/07/2026 252ND QUARTER AND 1ST HALF 2026 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 2m and having an aggregated exposure at group level less than EUR 1m. 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 2m and EUR 50m and the aggregated exposure at group level higher than EUR 1m. 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 t han EUR 50m, municipalities, public sector and other financial institutions. Note: To better align with the current economic landscape and maintain BRD’s competitive edge through a standardized portfolio-based approach, starting January 2026 the segmentation thresholds between Small Business and Non-Retail clients was updated for new client’s acquisition (with no impact on the current Non Retail stock) as follows: annual turnover increase from EUR 1 million to EUR 2 million and Group aggregated exposure increase from EUR 300/500k to EUR 1 million.
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