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BRD Groupe Societe Generale

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BRD Groupe Societe Generale

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

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summary

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income statement

Net Interest Income	RON mil
Total Revenues	RON mil
Operating Profit	RON mil
Net Profit	RON mil

2,179	1,946	1,714	1,585	1,516
3,173	2,977	2,851	2,620	2,595
1,777	1,614	1,491	1,295	1,210
496	-299	-388	63.1	465

balance sheet

Interbank Loans	RON mil
Customer Loans	RON mil
Debt Securities	RON mil
Total Assets	RON mil
Shareholders' Equity	RON mil
Interbank Borrowing	RON mil
Customer Deposits	RON mil
Issued Debt Securities	RON mil

1,035	394	714	1,263	2,315
32,566	32,371	28,059	26,777	26,742
5,191	5,084	7,254	9,594	10,427
49,879	48,891	47,991	46,107	50,179
6,088	5,762	5,397	5,750	6,257
4,269	4,215	1,345	735	701
30,218	31,786	36,065	35,954	41,179
8,590	6,450	4,552	3,053	1,100

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

					8.38%	-5.04%	-6.95%	1.13%	7.75%
					0.997%	-0.605%	-0.800%	0.134%	0.966%
					2.80%	2.76%	2.81%	2.82%	2.88%
					44.0%	45.8%	47.7%	50.6%	53.4%
...					14.9%	13.5%	14.2%	17.0%	19.1%
					4.38%	3.94%	3.54%	3.37%	3.15%
					68.7%	65.4%	60.1%	60.5%	58.4%
					24.2%	26.6%	26.9%	29.2%	28.9%
					50.7%	49.3%	48.7%	49.5%	47.3%
					12.2%	11.8%	11.2%	12.5%	12.5%
					108%	102%	77.8%	74.5%	64.9%
					65.3%	66.2%	58.5%	58.1%	53.3%
...	...	...	...	...	16.8%	21.3%	24.8%	20.3%	17.0%
...	...	...	...	...	43.1%	52.2%	69.1%	71.2%	76.4%

valuation

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	RON
Earnings Per Share (EPS)	RON
Book Value Per Share	RON
Dividend Per Share
Price/Earnings (P/E)
Price/Book Value (P/BV)
Dividend Yield	%
Earnings Per Share Growth	%
Book Value Per Share Growth	%

	2,237	1,678	1,936	1,646	1,991
	697	697	697	697	697
	10.7	8.11	9.00	8.75	11.9
	0.712	-0.429	-0.556	0.091	0.668
	8.74	8.27	7.74	8.25	8.98
	0.166	0	0	0	0.320
	15.0	...	...	96.7	17.8
	1.23	0.981	1.16	1.06	1.32
	1.55%	0%	0%	0%	2.70%
...	-50.8%	-160%	29.7%	-116%	637%
...	5.90%	-5.36%	-6.35%	6.55%	8.82%

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income statement

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income statement

Interest Income	RON mil
Interest Cost	RON mil
Net Interest Income	RON mil
Net Fee Income	RON mil
Other Income	RON mil
Total Revenues	RON mil
Staff Cost	RON mil
Depreciation	RON mil
Other Cost	RON mil
Operating Cost	RON mil
Operating Profit	RON mil
Provisions	RON mil
Extra and Other Cost	RON mil
Pre-Tax Profit	RON mil
Tax	RON mil
Minorities	RON mil
Net Profit	RON mil
Dividends	RON mil

3,460	3,184	2,682	2,268	1,940
1,281	1,238	968	683	424
2,179	1,946	1,714	1,585	1,516
768	792	767	765	750
226	239	369	270	330
3,173	2,977	2,851	2,620	2,595
708	673	663	656	655
146	162	152	139	131
541	529	545	530	599
1,396	1,364	1,359	1,325	1,385
1,777	1,614	1,491	1,295	1,210
1,223	1,943	2,131	1,215	658
0	0	0	0.002	0
555	-329	-640	79.9	552
56.4	-38.9	-255	12.0	84.5
2.21	8.19	3.26	4.77	1.42
496	-299	-388	63.1	465
116	0	0	0	223

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	-6.22%	-10.7%	-11.9%	-7.50%	-4.37%
...	-2.97%	3.11%	-3.10%	-0.278%	-2.05%
...	-11.5%	-6.17%	-4.25%	-8.07%	-0.963%
...	-5.42%	-2.30%	-0.312%	-2.51%	4.54%
...	-15.8%	-9.22%	-7.58%	-13.1%	-6.59%
...	-54.8%	-159%	94.1%	-112%	591%
...	-50.8%	-160%	29.7%	-116%	637%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

			13.9%	...	...	...	...	...	...
		...	...	...	...	...	...	...	...
...	...		13.8%	14.0%	14.3%	15.4%	14.9%
...	...		15.5%	16.0%	...	...	...	...	...

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balance sheet

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balance sheet

Cash	RON mil
Interbank Loans	RON mil
Customer Loans	RON mil
Retail Loans	RON mil
Mortgage Loans	RON mil
Consumer Loans	RON mil
Corporate Loans	RON mil
Debt Securities	RON mil
Fixed Assets	RON mil
Total Assets	RON mil
Shareholders' Equity	RON mil
Of Which Minority Interest	RON mil
Liabilities	RON mil
Interbank Borrowing	RON mil
Customer Deposits	RON mil
Retail Deposits	RON mil
Corporate Deposits	RON mil
Sight Deposits	RON mil
Term Deposits	RON mil
Issued Debt Securities	RON mil
Other Liabilities	RON mil

										9,405	9,384	9,780	7,190	8,820
										1,035	394	714	1,263	2,315
										32,566	32,371	28,059	26,777	26,742
										16,300	16,900	16,912	16,947	18,208
...										4,723	6,243	7,693	8,332	9,482
...										11,195	10,237	9,219	8,615	8,726
										17,300	17,900	14,715	12,644	9,083
										5,191	5,084	7,254	9,594	10,427
										1,325	1,220	1,110	1,041	934
										49,879	48,891	47,991	46,107	50,179
										6,088	5,762	5,397	5,750	6,257
										43.6	51.8	50.3	51.7	49.3
										43,791	43,128	42,595	40,357	43,921
										4,269	4,215	1,345	735	701
										30,218	31,786	36,065	35,954	41,179
...	...	...	...	...	...					15,200	16,200	16,800	19,100	23,649
...	...	...	...	...	...					15,000	15,600	19,265	16,854	17,529
...	...	...	...	...	...	...	...	...	...	...	...	14,538	15,802	22,115
...	...	...	...	...	...	...	...	...	...	...	...	21,527	20,153	19,063
										8,590	6,450	4,552	3,053	1,100
										713	678	634	615	942

asset quality

Non-Performing Loans	RON mil
Gross Loans	RON mil
Total Provisions	RON mil

...	...	...	...	...	5,763	7,609	8,388	6,360	5,237
...	...	...			34,316	35,682	33,853	31,303	30,744
...	...	...			2,482	3,972	5,794	4,526	4,003

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...							-1.66%	-0.599%	-13.3%	-4.57%	-0.133%
...							-0.964%	3.68%	0.072%	0.206%	7.44%
...	...						17.5%	32.2%	23.2%	8.31%	13.8%
...	...						-10.0%	-8.56%	-9.94%	-6.56%	1.30%
...							8.13%	3.47%	-17.8%	-14.1%	-28.2%
...							0.427%	-1.98%	-1.84%	-3.93%	8.83%
...							5.90%	-5.36%	-6.35%	6.55%	8.82%
...							0.642%	5.19%	13.5%	-0.307%	14.5%
...	...	...	...	...	...	...	3.40%	6.58%	3.70%	13.7%	23.8%
...	...	...	...	...	...	...	-1.32%	4.00%	23.5%	-12.5%	4.01%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

						14.6%	14.3%	12.8%	12.7%	12.3%
						15.0%	15.1%	13.1%	12.0%	8.66%
...						15.8%	15.2%	14.8%	15.0%	15.6%
						15.6%	16.2%	16.4%	16.6%	16.9%
...						14.1%	16.8%	18.8%	18.7%	18.3%
						14.1%	13.4%	13.2%	12.7%	13.3%
						16.1%	16.1%	16.7%	15.4%	16.2%
...	...	...	...	...	...	13.5%	13.3%	13.0%	13.8%	16.1%
...	...	...	...	...	...	24.0%	25.5%	27.2%	21.0%	19.2%

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ratios

Unit

2001

2002

2003

2004

2005

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2007

2008

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2011

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2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	RON per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

							8.38%	-5.04%	-6.95%	1.13%	7.75%
							0.997%	-0.605%	-0.800%	0.134%	0.966%
							2.80%	2.76%	2.81%	2.82%	2.88%
							44.0%	45.8%	47.7%	50.6%	53.4%
...							14.9%	13.5%	14.2%	17.0%	19.1%
...			...	...	...	...	14.9%	13.5%	14.2%	17.0%	19.1%
							4.38%	3.94%	3.54%	3.37%	3.15%
...							4.03%	3.60%	3.28%	3.17%	3.02%
							6.95%	6.45%	5.54%	4.82%	4.03%
...							2.92%	2.85%	2.26%	1.65%	1.01%
							23.3%	0%	0%	0%	47.9%
							68.7%	65.4%	60.1%	60.5%	58.4%
							24.2%	26.6%	26.9%	29.2%	28.9%
							7.12%	8.03%	13.0%	10.3%	12.7%
							2,139	1,872	1,977	1,773	1,672
							6,524	6,496	6,579	6,154	6,563
							50.7%	49.3%	48.7%	49.5%	47.3%
							12.2%	11.8%	11.2%	12.5%	12.5%
							108%	102%	77.8%	74.5%	64.9%
							65.3%	66.2%	58.5%	58.1%	53.3%
...	...	...	...	...			16.8%	21.3%	24.8%	20.3%	17.0%
...	...	...	...	...			43.1%	52.2%	69.1%	71.2%	76.4%
...	...	...					7.62%	12.3%	20.7%	16.9%	15.0%
							3.72%	5.98%	7.05%	4.43%	2.46%

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other data

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other data

Branches
Employees
Clients	mil
Sight (As % Of Customer Deposits)	%
Risk-Weighted Assets	RON mil

...										937	915	883	860	829
										9,046	8,627	8,393	8,878	8,312
...	...									2.38	2.32	2.28	2.23	2.25
...	...	...	...	...	...	...	...	...	...	...	...	40.3%	43.9%	53.7%
...	...	...	...	...	...	...	...	...	...	...	...	27,200	26,873	26,862	...

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Comparison of 10 Banks in Romania

October 24, 2018

This Annual Statistical Dossier offers a comparison of 10 Romanian banks from 1998 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 10 Romanian banks from 1998 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

BRD Groupe Societe Generale in Numbers

September 22, 2018

This Annual statistical dossier offers a summary of BRD Groupe Societe Generale's performance between 2001 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset

This Annual statistical dossier offers a summary of BRD Groupe Societe Generale's performance between 2001 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track BRD's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

BRD GSG at a Glance

October 17, 2014

This report offers a summary of the company's performance in 2001-2013. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, we provide an overview of the bank's market position on the Romanian banking market.

BRD GSG in Numbers

October 5, 2014

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.

This excel file offers a summary of the company's performance in 2001-2013. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, we provide an overview of the bank's market position on the Romanian banking market.

BRD GSG at a Glance

January 9, 2014

This report offers a summary of the company's performance in 2001-2012. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, we provide an overview of the bank's market position on the Romanian banking market.

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BRD Groupe Societe Generale - Market Share in Mortgage Loans

November 29, 2018

BRD Groupe Societe Generale's mortgage loans reached RON 11,684 mil in 2017, up 13.1% compared to the previous year.

Romanian banking sector provided mortgage loans of RON 82.1 bil in 2017, up 7.36% when compared to the last

BRD Groupe Societe Generale's mortgage loans reached RON 11,684 mil in 2017, up 13.1% compared to the previous year.

Romanian banking sector provided mortgage loans of RON 82.1 bil in 2017, up 7.36% when compared to the last year.

BRD Groupe Societe Generale accounted for 17.7% of all mortgage loans issued in Romania at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 18.8% in 2013 and an all time low of 10.4% in 2002.

You can see all the company’s data at BRD Groupe Societe Generale Profile, or you can download a report on the firm in the report section.

What Banks in Romania Were the Largest in 2017?

September 27, 2018

Based on a comparison of 10 banks in Romania in 2017, Banca Commerciala Romana was the largest bank by assets, followed by Banca Transilvania and BRD Groupe Societe Generale.

Banca Commerciala Romana assets reached RON 70,931 mil,

Based on a comparison of 10 banks in Romania in 2017, Banca Commerciala Romana was the largest bank by assets, followed by Banca Transilvania and BRD Groupe Societe Generale.

Banca Commerciala Romana assets reached RON 70,931 mil, up 5.06% when compared to the last year. Historically, the bank’s assets reached an all time high of RON 76,746 mil in 2011 and an all time low of RON 9,988 mil in 2000.

Comparing Banca Commerciala Romana with its closest peers, Banca Transilvania assets amounted to RON 59,804 mil, BRD Groupe Societe Generale operated with RON 54,927 mil assets and UniCredit Tiriac Bank had total assets of RON 43,499 mil.

Total assets of the Romanian banking sector amounted to RON 406 bil in 2017, up 8.05% when compared to the last year. As a result, the top ranked company - Banca Commerciala Romana accounted for 17.5% of the sector’s assets in 2017. The top 3 companies held a 45.7% share while the five largest firms some 65.5% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Romanian banks in the report section.

What Banks in Romania Had the Most Branches in 2017?

September 27, 2018

Based on a comparison of 9 banks in Romania in 2017, CEC Bank had the most branches, followed by BRD Groupe Societe Generale and Banca Transilvania.

CEC Bank operated a network of 1,022 branches at the end of 2017.

Comparing

Based on a comparison of 9 banks in Romania in 2017, CEC Bank had the most branches, followed by BRD Groupe Societe Generale and Banca Transilvania.

CEC Bank operated a network of 1,022 branches at the end of 2017.

Comparing CEC Bank with its closest peers, BRD Groupe Societe Generale operated a network of 760 branches in 2017, Banca Transilvania had 495 branches and Raiffeisen Bank Romania had a network of 451 branches in 2017.

Romanian banks operated a network of 4,596 branches in 2017. Total of 55,044 people worked for the banks in 2017.

You can see all the banks branches data on the Branches indicator page or you can download a report on the Romanian banks in the report section.

What Banks in Romania Had the Most Employees in 2017?

September 27, 2018

Based on a comparison of 10 banks in Romania in 2017, BRD Groupe Societe Generale had the most employees, followed by Banca Transilvania and Banca Commerciala Romana.

BRD Groupe Societe Generale employed 7,568 persons in 2017, down 0.487%

Based on a comparison of 10 banks in Romania in 2017, BRD Groupe Societe Generale had the most employees, followed by Banca Transilvania and Banca Commerciala Romana.

BRD Groupe Societe Generale employed 7,568 persons in 2017, down 0.487% when compared to the previous year. Historically, the bank's workforce hit an all time high of 9,502 persons in 2008 and an all time low of 4,258 in 2003.

Average cost reached RON 8,139 per month per month per employee, 7.99% more than a year ago. This figure was RON 5,395 per month some 10 years ago.

Comparing BRD Groupe Societe Generale with its closest peers, Banca Transilvania had 7,513 employees with average cost of RON 8,465 per month per person, Banca Commerciala Romana operated with 7,265 people (and RON 8,507 per month per employee) and Raiffeisen Bank Romania had 5,314 employees in 2017 with cost RON 5,314 per month per head.

Romanian banking sector employed 55,044 people in 2017.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Romanian banks in the report section.

See all charts of the company »

BRD's mortgage loans rose 13.1% to RON 11,684 mil in 2017

BRD's retail deposits rose 6.98% to RON 27,837 mil in 2017

BRD's net profit rose 85.7% to RON 1,406 mil in 2017

BRD's customer deposits rose 4.80% to RON 44,220 mil in 2017

BRD's net interest margin rose 3.56% to 3.22% in 2017

BRD's capital adequacy ratio fell 1.23% to 20.1% in 2017

BRD's npls (as % of loans) fell 36.6% to 8.13% in 2017

BRD's customer loans rose 6.36% to RON 29,608 mil in 2017

BRD's price/earnings (P/E) fell 39.4% to 6.47 in 2017