Romania · Delayed Price · Currency is RON BRD - Groupe Société Générale Earnings Call Transcripts
Fiscal Year 2025
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Strong lending and deposit growth, digital innovation, and robust asset quality drove a net profit above EUR 1.5 billion and a 17% ROE (excluding turnover tax) in 2025, despite macroeconomic headwinds and higher OPEX from new taxes.
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Strong nine-month results with 14% loan and 10% deposit growth, 6% higher net profit, and 16% ROE, despite macroeconomic and regulatory challenges. Digital and ESG initiatives advanced, while risk and capital metrics remained robust.
Fiscal Year 2024
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Strong lending and deposit growth, robust digital engagement, and improved market share drove a net result of RON 1.5 billion and ROE of 16.6% in 2024, despite new tax impacts. Liquidity and capital remain solid, with continued focus on green financing and digital transformation.
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Strong H1 2024 performance with lending up 14%, net profit at RON 700 million, and ROE at 16%. Asset quality remains robust, digital engagement is rising, and capital ratios are solid despite new taxes and regulatory changes.