By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale's net interest margin amounted to 0.898% in the fourth quarter of 2019, down from 5.36% when compare...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale stock traded at RON 15.8 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 2...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale stock traded at EUR 15.8 per share at the end of fourth quarter of 2019 implying a market capitalization of ...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | RON mil | 1,719 | 1,989 | 2,150 |
| Net Fee Income | RON mil | 763 | 797 | 806 |
| Other Income | RON mil | 271 | 308 | 529 |
| Total Revenues | RON mil | 2,754 | 3,094 | 3,485 |
| Staff Cost | RON mil | 739 | ... | ... |
| Operating Profit | RON mil | 1,291 | 1,753 | 1,808 |
| Provisions | RON mil | -360 | -82.7 | -204 |
| Net Profit | RON mil | 1,406 | 1,556 | 1,492 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | RON mil | 2,550 | 4,632 | 3,410 |
| Customer Loans | RON mil | 29,608 | 29,603 | 30,293 |
| Debt Securities | RON mil | 12,631 | 12,942 | 14,328 |
| Total Assets | RON mil | 54,927 | 55,719 | 57,771 |
| Shareholders' Equity | RON mil | 7,369 | 7,657 | 8,184 |
| Interbank Borrowing | RON mil | 907 | 639 | 631 |
| Customer Deposits | RON mil | 44,220 | 45,217 | 45,899 |
| Issued Debt Securities | RON mil | 1,252 | 1,307 | 1,696 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 20.0 | 20.7 | 18.8 |
| ROA | % | 2.63 | 2.81 | 2.63 |
| Costs (As % Of Assets) | % | 2.74 | 2.42 | 2.96 |
| Costs (As % Of Income) | % | 53.1 | 43.3 | 48.1 |
| Capital Adequacy Ratio | % | 19.5 | 19.5 | ... |
| Net Interest Margin | % | 3.22 | 3.59 | 3.79 |
| Loans (As % Of Deposits) | % | 67.0 | 65.5 | 66.0 |
| NPLs (As % Of Loans) | % | 8.13 | ... | ... |
| Provisions (As % Of NPLs) | % | 95.0 | ... | ... |
| Valuation | 2017 | 2018 | 2019 | |
| Market Capitalisation (End Of Period) | USD mil | 2,315 | 1,950 | 2,710 |
| Share Price (End Of Period) | RON | 12.9 | 11.4 | 15.8 |
| Price/Earnings (P/E) | 6.39 | 5.11 | 7.40 | |
| Price/Book Value (P/BV) | 1.22 | 1.04 | 1.35 | |
| Dividend Yield | % | 12.7 | 14.4 | 10.4 |
| Earnings Per Share (EPS) | RON | 2.02 | 2.23 | 2.14 |
| Book Value Per Share | RON | 10.6 | 11.0 | 11.7 |
| Dividend Per Share | 1.64 | 1.64 | 1.64 | |
Get all company financials in excel:
| summary | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | ||||||||||||||||||||
| Net Interest Income | RON mil | 1,714 | 1,585 | 1,516 | 1,586 | 1,719 | ||||||||||||||
| Total Revenues | RON mil | 3,099 | 2,697 | 2,579 | 2,750 | 2,754 | ||||||||||||||
| Operating Profit | RON mil | 1,660 | 1,281 | 1,195 | 1,367 | 1,291 | ||||||||||||||
| Net Profit | RON mil | -388 | 63.1 | 466 | 758 | 1,406 | ||||||||||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | RON mil | 714 | 1,263 | 2,315 | 1,998 | 2,550 | ||||||||||||||
| Customer Loans | RON mil | 28,059 | 26,777 | 26,746 | 27,839 | 29,608 | ||||||||||||||
| Debt Securities | RON mil | 6,499 | 8,226 | 9,224 | 12,515 | 12,631 | ||||||||||||||
| Total Assets | RON mil | 47,991 | 46,081 | 50,185 | 51,882 | 54,927 | ||||||||||||||
| Shareholders' Equity | RON mil | 5,397 | 5,750 | 6,257 | 6,674 | 7,369 | ||||||||||||||
| Interbank Borrowing | RON mil | 0 | 735 | 781 | 587 | 907 | ||||||||||||||
| Customer Deposits | RON mil | 37,409 | 35,954 | 41,099 | 42,193 | 44,220 | ||||||||||||||
| Issued Debt Securities | RON mil | 4,552 | 2,965 | 1,100 | 1,102 | 1,252 | ||||||||||||||
| ratios | ||||||||||||||||||||
| ROE | % | -6.96 | 1.13 | 7.76 | 11.7 | 20.0 | ||||||||||||||
| ROA | % | -0.800 | 0.134 | 0.968 | 1.48 | 2.63 | ||||||||||||||
| Costs (As % Of Assets) | % | 2.97 | 3.01 | 2.88 | 2.71 | 2.74 | ||||||||||||||
| Costs (As % Of Income) | % | 46.4 | 52.5 | 53.7 | 50.3 | 53.1 | ||||||||||||||
| Capital Adequacy Ratio | % | ... | 14.2 | 17.8 | 19.1 | 18.9 | 19.5 | ... | ||||||||||||
| Net Interest Margin | % | 3.54 | 3.37 | 3.15 | 3.11 | 3.22 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 55.3 | 58.8 | 58.8 | 57.7 | 62.4 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 24.8 | 28.4 | 29.1 | 28.1 | 27.7 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.1 | 46.3 | 47.3 | 49.7 | 50.5 | ... | ... | ||||||||||||
| Equity (As % Of Assets) | % | 11.2 | 12.5 | 12.5 | 12.9 | 13.4 | ||||||||||||||
| Loans (As % Of Deposits) | % | 75.0 | 74.5 | 65.1 | 66.0 | 67.0 | ||||||||||||||
| Loans (As % Assets) | % | 58.5 | 58.1 | 53.3 | 53.7 | 53.9 | ||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 24.8 | 20.3 | 17.0 | 12.8 | 8.13 | ... | ... | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 69.1 | 71.2 | 76.3 | 88.8 | 95.0 | ... | ... | |||||||
| valuation | ||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | 1,936 | 1,646 | 2,033 | 1,924 | 2,315 | ||||||||||||||
| Number Of Shares (Average) | mil | 697 | 697 | 697 | 697 | 697 | ||||||||||||||
| Share Price (End Of Period) | RON | 9.00 | 8.75 | 12.1 | 11.9 | 12.9 | ||||||||||||||
| Earnings Per Share (EPS) | RON | -0.556 | 0.091 | 0.668 | 1.09 | 2.02 | ||||||||||||||
| Book Value Per Share | RON | 7.74 | 8.25 | 8.98 | 9.58 | 10.6 | ||||||||||||||
| Dividend Per Share | ... | 0 | 0 | 0.320 | 0.730 | 1.64 | ||||||||||||||
| Price/Earnings (P/E) | ... | ... | 96.7 | 18.1 | 10.9 | 6.39 | ||||||||||||||
| Price/Book Value (P/BV) | 1.16 | 1.06 | 1.35 | 1.24 | 1.22 | |||||||||||||||
| Dividend Yield | % | ... | 0 | 0 | 2.64 | 6.14 | 12.7 | |||||||||||||
| Earnings Per Share Growth | % | ... | 29.7 | -116 | 638 | 62.6 | 85.7 | |||||||||||||
| Book Value Per Share Growth | % | ... | -6.08 | 6.55 | 8.82 | 6.65 | 10.4 |
| income statement | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | ||||||||||||||||||||
| Interest Income | RON mil | 2,682 | 2,268 | 1,940 | 1,808 | 1,860 | ||||||||||||||
| Interest Cost | RON mil | 968 | 683 | 424 | 221 | 141 | ||||||||||||||
| Net Interest Income | RON mil | 1,714 | 1,585 | 1,516 | 1,586 | 1,719 | ||||||||||||||
| Net Fee Income | RON mil | 767 | 765 | 750 | 773 | 763 | ||||||||||||||
| Other Income | RON mil | 617 | 346 | 313 | 391 | 271 | ||||||||||||||
| Total Revenues | RON mil | 3,099 | 2,697 | 2,579 | 2,750 | 2,754 | ||||||||||||||
| Staff Cost | RON mil | 663 | 656 | 655 | 688 | 739 | ... | ... | ||||||||||||
| Depreciation | RON mil | 152 | 139 | 131 | 129 | 137 | ... | ... | ||||||||||||
| Other Cost | RON mil | 545 | 530 | 599 | 571 | 597 | ... | ... | ||||||||||||
| Operating Cost | RON mil | 1,438 | 1,415 | 1,384 | 1,383 | 1,463 | ||||||||||||||
| Operating Profit | RON mil | 1,660 | 1,281 | 1,195 | 1,367 | 1,291 | ||||||||||||||
| Provisions | RON mil | 2,131 | 1,215 | 658 | 484 | -360 | ||||||||||||||
| Extra and Other Cost | RON mil | 169 | -14.1 | -15.4 | -23.4 | -21.5 | ||||||||||||||
| Pre-Tax Profit | RON mil | -640 | 79.9 | 552 | 907 | 1,672 | ||||||||||||||
| Tax | RON mil | -255 | 12.0 | 84.5 | 143 | 258 | ||||||||||||||
| Minorities | RON mil | 3.26 | 4.77 | 1.42 | 5.97 | 8.22 | ||||||||||||||
| Net Profit | RON mil | -388 | 63.1 | 466 | 758 | 1,406 | ||||||||||||||
| Dividends | RON mil | ... | 0 | 0 | 223 | 509 | 1,143 | |||||||||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | -11.9 | -7.50 | -4.37 | 4.64 | 8.38 | |||||||||||||
| Net Fee Income Growth | % | ... | -3.10 | -0.278 | -2.05 | 3.07 | -1.25 | |||||||||||||
| Total Revenue Growth | % | ... | 0.020 | -13.0 | -4.36 | 6.63 | 0.139 | |||||||||||||
| Operating Cost Growth | % | ... | -4.21 | -1.60 | -2.19 | -0.080 | 5.73 | |||||||||||||
| Operating Profit Growth | % | ... | 4.00 | -22.8 | -6.76 | 14.4 | -5.52 | |||||||||||||
| Pre-Tax Profit Growth | % | ... | 94.1 | -112 | 591 | 64.3 | 84.5 | |||||||||||||
| Net Profit Growth | % | ... | 29.7 | -116 | 638 | 62.6 | 85.7 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Market Share in Employees | % | ... | ... | 14.3 | 15.4 | 14.9 | 13.7 | 13.7 | ... | ... | ||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | ||||||||||||||||||||
| Cash | RON mil | 9,780 | 7,190 | 8,820 | 7,140 | 7,682 | ||||||||||||||
| Interbank Loans | RON mil | 714 | 1,263 | 2,315 | 1,998 | 2,550 | ||||||||||||||
| Customer Loans | RON mil | 28,059 | 26,777 | 26,746 | 27,839 | 29,608 | ||||||||||||||
| Retail Loans | RON mil | 16,912 | 16,947 | 18,208 | 19,243 | 20,906 | ... | ... | ||||||||||||
| Mortgage Loans | RON mil | ... | 7,693 | 8,332 | 9,482 | 10,332 | 11,684 | ... | ... | |||||||||||
| Consumer Loans | RON mil | ... | 9,219 | 8,615 | 8,726 | 8,911 | 9,222 | ... | ... | |||||||||||
| Corporate Loans | RON mil | 14,715 | 12,644 | 9,083 | 9,259 | 9,431 | ... | ... | ||||||||||||
| Debt Securities | RON mil | 6,499 | 8,226 | 9,224 | 12,515 | 12,631 | ||||||||||||||
| Fixed Assets | RON mil | 1,110 | 1,021 | 984 | 974 | 989 | ||||||||||||||
| Total Assets | RON mil | 47,991 | 46,081 | 50,185 | 51,882 | 54,927 | ||||||||||||||
| Shareholders' Equity | RON mil | 5,397 | 5,750 | 6,257 | 6,674 | 7,369 | ||||||||||||||
| Of Which Minority Interest | RON mil | 50.3 | 51.7 | 49.3 | 50.4 | 53.4 | ||||||||||||||
| Liabilities | RON mil | 42,595 | 40,331 | 43,927 | 45,208 | 47,559 | ||||||||||||||
| Interbank Borrowing | RON mil | 0 | 735 | 781 | 587 | 907 | ||||||||||||||
| Customer Deposits | RON mil | 37,409 | 35,954 | 41,099 | 42,193 | 44,220 | ||||||||||||||
| Retail Deposits | RON mil | ... | ... | ... | ... | ... | ... | 16,800 | 19,100 | 23,649 | 26,021 | 27,837 | ... | ... | ||||||
| Corporate Deposits | RON mil | ... | ... | ... | ... | ... | ... | 20,609 | 16,854 | 17,529 | 16,172 | 16,383 | ... | ... | ||||||
| Sight Deposits | RON mil | 15,309 | 15,802 | 22,035 | 24,284 | 27,566 | ||||||||||||||
| Term Deposits | RON mil | 22,100 | 20,153 | 19,063 | 17,909 | 16,654 | ||||||||||||||
| Issued Debt Securities | RON mil | 4,552 | 2,965 | 1,100 | 1,102 | 1,252 | ||||||||||||||
| Other Liabilities | RON mil | 634 | 677 | 948 | 1,326 | 1,180 | ||||||||||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | RON mil | ... | ... | ... | ... | ... | 8,388 | 6,360 | 5,237 | 4,029 | 2,610 | ... | ... | |||||||
| Gross Loans | RON mil | ... | ... | ... | 33,853 | 31,303 | 30,744 | 31,415 | 32,089 | ... | ... | |||||||||
| Total Provisions | RON mil | ... | ... | ... | 5,794 | 4,526 | 3,999 | 3,576 | 2,480 | ... | ... | |||||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | -11.5 | -4.57 | -0.118 | 4.09 | 6.36 | |||||||||||||
| Retail Loan Growth | % | ... | 0.072 | 0.206 | 7.44 | 5.69 | 8.64 | ... | ... | |||||||||||
| Mortgage Loan Growth | % | ... | ... | 23.2 | 8.31 | 13.8 | 8.97 | 13.1 | ... | ... | ||||||||||
| Consumer Loan Growth | % | ... | ... | -9.94 | -6.56 | 1.30 | 2.12 | 3.49 | ... | ... | ||||||||||
| Corporate Loan Growth | % | ... | -17.8 | -14.1 | -28.2 | 1.94 | 1.85 | ... | ... | |||||||||||
| Total Asset Growth | % | ... | -1.84 | -3.98 | 8.91 | 3.38 | 5.87 | |||||||||||||
| Shareholders' Equity Growth | % | ... | -6.08 | 6.55 | 8.82 | 6.65 | 10.4 | |||||||||||||
| Customer Deposit Growth | % | ... | 3.91 | -3.89 | 14.3 | 2.66 | 4.80 | |||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 3.70 | 13.7 | 23.8 | 10.0 | 6.98 | ... | ... | |||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 32.1 | -18.2 | 4.01 | -7.74 | 1.30 | ... | ... | |||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | 12.8 | 12.7 | 12.3 | 12.6 | 12.7 | ... | ... | ||||||||||||
| Market Share in Corporate Loans | % | 13.1 | 12.0 | 8.66 | 9.11 | 9.05 | ... | ... | ||||||||||||
| Market Share in Retail Loans | % | ... | 14.8 | 15.0 | 15.6 | 16.3 | 16.6 | ... | ... | |||||||||||
| Market Share in Consumer Loans | % | 16.4 | 16.6 | 16.9 | 17.0 | 17.2 | ... | ... | ||||||||||||
| Market Share in Mortgage Loans | % | ... | 18.8 | 18.7 | 18.3 | 17.7 | 17.7 | ... | ... | |||||||||||
| Market Share in Total Assets | % | 13.2 | 12.7 | 13.3 | 13.2 | 12.9 | ... | ... | ||||||||||||
| Market Share in Customer Deposits | % | 17.3 | 15.4 | 16.2 | 15.4 | 14.6 | ... | ... | ||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | 13.0 | 13.8 | 16.1 | 15.9 | 15.6 | ... | ... | ||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | 29.1 | 21.0 | 19.2 | 17.0 | 15.3 | ... | ... |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | ||||||||||||||||||||
| ROE | % | -6.96 | 1.13 | 7.76 | 11.7 | 20.0 | ||||||||||||||
| ROA | % | -0.800 | 0.134 | 0.968 | 1.48 | 2.63 | ||||||||||||||
| Costs (As % Of Assets) | % | 2.97 | 3.01 | 2.88 | 2.71 | 2.74 | ||||||||||||||
| Costs (As % Of Income) | % | 46.4 | 52.5 | 53.7 | 50.3 | 53.1 | ||||||||||||||
| Capital Adequacy Ratio | % | ... | 14.2 | 17.8 | 19.1 | 18.9 | 19.5 | ... | ||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | 14.2 | 17.8 | 19.1 | 18.9 | 19.5 | ... | ||||||||
| Net Interest Margin | % | 3.54 | 3.37 | 3.15 | 3.11 | 3.22 | ||||||||||||||
| Interest Spread | % | ... | 3.28 | 3.18 | 3.02 | 3.05 | 3.18 | |||||||||||||
| Asset Yield | % | 5.54 | 4.82 | 4.03 | 3.54 | 3.48 | ||||||||||||||
| Cost Of Liabilities | % | ... | 2.26 | 1.65 | 1.01 | 0.496 | 0.303 | |||||||||||||
| Payout Ratio | % | ... | 0 | 0 | 47.9 | 67.2 | 81.3 | |||||||||||||
| Interest Income (As % Of Revenues) | % | 55.3 | 58.8 | 58.8 | 57.7 | 62.4 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 24.8 | 28.4 | 29.1 | 28.1 | 27.7 | ||||||||||||||
| Other Income (As % Of Revenues) | % | 19.9 | 12.8 | 12.1 | 14.2 | 9.85 | ||||||||||||||
| Cost Per Employee | USD per month | 1,977 | 1,773 | 1,672 | 1,784 | 1,988 | ... | ... | ||||||||||||
| Cost Per Employee (Local Currency) | RON per month | 6,579 | 6,154 | 6,563 | 7,537 | 8,139 | ... | ... | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.1 | 46.3 | 47.3 | 49.7 | 50.5 | ... | ... | ||||||||||||
| Equity (As % Of Assets) | % | 11.2 | 12.5 | 12.5 | 12.9 | 13.4 | ||||||||||||||
| Loans (As % Of Deposits) | % | 75.0 | 74.5 | 65.1 | 66.0 | 67.0 | ||||||||||||||
| Loans (As % Assets) | % | 58.5 | 58.1 | 53.3 | 53.7 | 53.9 | ||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 24.8 | 20.3 | 17.0 | 12.8 | 8.13 | ... | ... | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 69.1 | 71.2 | 76.3 | 88.8 | 95.0 | ... | ... | |||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | 20.7 | 16.9 | 15.0 | 12.8 | 8.38 | ... | ... | |||||||||
| Cost of Provisions (As % Of Loans) | % | 7.13 | 4.43 | 2.46 | 1.77 | -1.25 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | ||||||||||||||||||||
| Branches | ... | 883 | 860 | 829 | 810 | 760 | ... | ... | ||||||||||||
| Employees | 8,393 | 8,878 | 8,312 | 7,605 | 7,568 | ... | ||||||||||||||
| Clients | mil | ... | ... | 2.28 | 2.23 | 2.25 | 2.29 | 2.33 | ... | ... | ||||||||||
| Sight (As % Of Customer Deposits) | % | 40.9 | 43.9 | 53.6 | 57.6 | 62.3 | ||||||||||||||
| Risk-Weighted Assets | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 27,200 | 26,873 | 26,862 | 26,373 | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale made a net profit of RON 272 mil under revenues of RON 396 mil in the fourth quarter of 2019, down 35.4% and 39.5% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale stock traded at RON 15.8 per share at the end fourth quarter of 2019 implying a market capitalization of USD 2,591 mil. Since the end of 4Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, th...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale's capital adequacy ratio reached 20.1% at the end of fourth quarter of 2019, down from 20.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 21.1% in 4Q2018 and an all time low of 19....
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale generated total banking revenues of RON 396 mil in the fourth quarter of 2019, down 39.5% when compared to the same period of last year and 62.8% when compared to the previous quarter. Historically, the bank’s revenues containing o...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale's Equity reached 6.89% of total assets in the 4Q2019, down from 6.91% for the previous year. As a share of net customer loans, the ratio amounted to 15.4% at the end of the fourth quarter of 2019. ...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale's customer loan growth reached 2.33% in 2019-12-31, up from -0.017% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 8.02% in 2017-09-30 and an all time low of -2.25% in 2018-09-30. ...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale made a net profit of RON 1,492 mil in 2019, down 4.08% compared to the previous year. This implies a return on equity of 18.8%. Historically, the bank’s net profit reached an all time high of RON 1,573 mil in 2008 and an all time low...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale stock traded at RON 15.8 per share at the end 2019 implying a market capitalization of USD 2,710 mil. Since the end of 2014, the stock has appreciated by 81.0 % implying an annual average growth of 12.6 %. In absolute terms, the value of th...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale's net interest margin amounted to 3.79% in 2019, up from 3.59% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 7.18% in 2004 and an all time low of 3.11% in 2016. The av...
By Helgi Analytics - February 13, 2020
BRD Groupe Societe Generale generated total banking revenues of RON 3,485 mil in 2019, up 12.6% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of RON 3,695 mil ...
BRD – Groupe Société Générale (BRD), is the second largest Romanian bank. French Société Générale holds a majority stake of 59.4% in the bank. BRD was rebranded after SG bought Banca Română pentru Dezvoltare (Romanian Development Bank) from the Romanian State in 1999. BRD offers a traditional set of banking products and services from the area of retail, corporate as well investment banking and insurance serving individuals, small companies as well as large companies. At the end of 2012, the Bank had nearly 2.2 mil retail and some 135,000 corporate clients and operated 915 branches. BRD was founded in 1990 as a commercial bank by taking over assets of the former Investment Bank of Romania
BRD Groupe Societe Generale has been growing its revenues and asset by -0.585% and 1.81% a year on average in the last 10 years. Its loans and deposits have grown by -0.756% and 2.54% a year during that time and loans to deposits ratio reached 66.0% at the end of 2019. The company achieved an average return on equity of 9.54% in the last decade with net profit growing 2.67% a year on average. In terms of operating efficiency, its cost to income ratio reached 48.1% in 2019, compared to 48.4% average in the last decade.
Equity represented 14.2% of total assets or 27.0% of loans at the end of 2019. BRD Groupe Societe Generale's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2019.
BRD Groupe Societe Generale stock traded at RON 15.8 per share at the end of 2019 resulting in a market capitalization of USD 2,710 mil. Over the previous five years, stock price rose by 81% or 12.6% a year on average. That’s compared to an average ROE of 15.8% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.40x and price to book value (PBV) of 1.35x in 2019.
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