Groupe Société Générale obtained in 2009 a consolidated net profit of RON 812 million (EUR 192 million), thus proving resistance to the effects of the crisis. The gross operating profit increased by 13% as against 2008.

In 2009, BRD - Groupe Société Générale was efficient in conducting all its business lines, despite a particularly difficult economic environment.

The main financial indicators of BRD-Groupe Société Générale as at 31/12/2009 are*:

NB: These figures do not include the impact of BRD's revaluation of its fixed assets, which is about to be finished. We estimate that the effect of such revaluation on the net profit, at this time, is a decrease by RON 15 million.

The incomes from fees increased by 7%, at a slower pace than in 2008, given the decrease in the volume of operations, while the incomes from the interest margin and the market operations went up by 19%, and 13%, respectively.

The bank obtained such results by continuing to apply measures aimed at counteracting the effects of the financial crisis, and which consisted in the strict control of the general expenses and in the strengthening of the risk control.

The net risk cost increased considerably in the current economic conditions, reaching 316 bp. The rate of bad loans is lower than the average of the banking system, as shown by the statistics of the National Bank of Romania.

The net profit of the Group, which also includes the results of the subsidiaries BRD Sogelease, BRD Finance and BRD Securities, is of RON 812 million (EUR 192 million). As for the net profit of the bank, it amounts to RON 792 million (EUR 187 million).

In the context of a significantly lower demand, the total loans extended by the bank at the end of 2009 amounted to over RON 34.9 billion, 48% of which represented loans to private customers. The customers' deposits exceeded RON 29.2 billion as at end 2009, up by 2% as against December 31, 2008.

The customer base remains robust - approximately 2.5 million customers - the inactive ones not included, considering the slower pace of attracting new customers. The bank network counts 930 units, the same as at the end of 2008. The operating ratio (general expenses / net banking income) maintains its competitive level, of 42%. The number of employees remained constant in 2009 - reaching almost 9,100 in the entire BRD Group.

"2009 was a difficult exam, with uncertainties regarding the macroeconomic developments. In 2009, the banks were subject to multiple pressures related to the increase in the costs of risks, and especially to ensuring the profitability of their operations given the extremely low demand for banking products and services. To us, it was an exercise of flexibility and adjustment to the effects of the crisis, which we completed successfully", said Guy Poupet, Chairman - CEO of BRD.

In 2009, BRD received two important awards from the international financial publications Euromoney and Global Finance, which designated it "Bank of the Year in Romania".

For more information on the annual results of BRD, please refer to the website of the bank, www.brd.ro, under the Shareholders/Investors section.

*The evolutions are calculated in nominal terms.
The 2009/2008 comparison excludes from the 2008 results the net gain brought by the Asiban transaction.
The figures have been calculated in compliance with the local accounting standards and have not been audited.

BRD-Groupe Société Générale is the second bank in Romania in terms of total assets and has the second market capitalisation on the Bucharest Stock Exchange.

BRD is part of the Société Générale Group, one of the largest groups of financial services in the Euro Area. The group has more than 160,000 employees worldwide, on three key business lines:

- Retail banking and financial services
- Global Investment Management & Services
- Corporate & Investment Banking

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Main financial ratios of BRD-Groupe Société Générale as at September 30, 2009, according to the Romanian Accounting Standards*:

Note: The evolution against the same period of last year is presented without considering the gains from the sale, in Q3 2008, of the equity interest in Asiban SA.

• The net banking income reached RON 2,528 million (EUR 598 million), up by 18% against September 30, 2008;
• The gross operating income is of RON 1,465 million (EUR 346 million), up by 22% compared to the first nine months of 2008;
• The total volume of the loans extended to the customers is of RON 33 billion (EUR 7.9 billion), up by 8% against September 30, 2008;
• The cost/income ratio is 42.1%;
• The net risk cost increased to RON 673 million (EUR 159 million) from RON 226 million (EUR 62 million) at the end of the third quarter of 2008;
• The net profit is lower by 19% than the one registered at September 30, 2008, reaching RON 660 million (EUR 156 million).

*The conversion to EUR for the profit and loss account was made based on the average exchange rate calculated for the first 9 months of the year, i.e. RON 4.2278 for EUR 1, and for the balance sheet based on the NBR rate of exchange of September 30, 2009, i.e. RON 4.1981 for EUR 1.

The financial results of BRD - Groupe Société Générale at the end of the third quarter of the year reflects a satisfactory resistance to the negative effects of the decrease in the economic activity, doubled by a good-enough commercial performance considering the crisis-stricken economic environment. The net banking income reached RON 2,528 million (EUR 598 million), up by 18% compared to September 30, 2008, and the gross operating profit increased by 22% against the similar period of last year, reaching RON 1,465 million (EUR 346 million).

The total volume of the loans extended to the customers is of RON 33 billion, up by 8% compared to September 30, 2008.Loans to individuals reached RON 15.8 billion, up by 4%, while corporate loans increased by 12%, up to RON 17.2 billion. Nevertheless, there can still be noticed a slight decrease of the demand for loans in the 3rd quarter of 2009, as well. The customers' deposits reached, at the end of the first 9 months of 2009, RON 30.2 billion, up by 1% as compared to the same period of last year.

The net cost of risk, even if significantly higher, remains within acceptable limits given the current context due to a good risk control. Regarding non-performing loans, BRD maintains its position above the average of the banking environment.

The net profit for the first 9 months of the year is of RON 660 million (EUR 156 million), down by 19% compared to the same period of 2008.

The return on equity (ROE) at the end of Q3 was of 21.6%, while the cost/income ratio maintained at 42.1%.

"The banking activity was affected by the effects of the crisis in the third quarter, as well. This was caused, on the one hand, by the lack of demand for banking products and services, especially on the retail market, and, on the other hand, by the ongoing increase of non-performing loans. Due to the efficacy of its internal procedures, of the measures to reduce the operational expenses and to the quality of its portfolio, BRD has proved its capacity to resist in a difficult environment", declared Patrick Gelin, Chairman - CEO of BRD - Groupe Société Générale.

BRD - Groupe Société Générale had, at the end of September 2009, 2.6 million active customers. The bank has 2.2 million active cards and operates a network of over 1,450 ATMs and 20,000 POSs. The total assets of the bank at the end of September 2009 amount to RON 47.9 billion (EUR 11.4 billion).

The quarterly report is available to the public and investors on the website of the bank: www.brd.ro. Copies of the report may be obtained, on request, free of charge, at the headquarters of BRD - Groupe Société Générale, located at 1-7 Ion Mihalache Bd., 1st district, Bucharest.

BRD-Groupe Société Générale is the second bank in Romania in terms of total assets and it has the second market capitalization on the Bucharest Stock Exchange. BRD is part of the Société Générale Group, one of the largest groups of financial services in the Euro Zone. The group has more than 160,000 employees worldwide, in three key activities:
- Retail banking and financial services,
- Global Investment Management & Services,
- Corporate & Investment Banking

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Principalii indicatori financiari ai BRD-Groupe Société Générale la 30 iunie 2009, în conformitate cu standardele româneşti de contabilitate*:

* Conversia în EUR s-a realizat pentru contul de profit si pierdere pe baza cursului mediu calculat pentru primele 6 luni ale anului, de 4,2293 RON pentru 1 EUR, iar pentru bilanţ pe baza cursului BNR la 30 iunie 2009, de 4,2067 RON pentru 1 EUR.

Rezultatele financiare ale BRD - Groupe Société Générale în cursul primului semestru al anului reflectă rezistenţa băncii la efectele negative ale scăderii activităţii economice, dublată de capacitatea sa de adaptare la condiţiile şi cerinţele specifice ale pieţei într-o astfel de perioadă. Venitul net bancar a ajuns la 1 636 milioane RON (387 milioane EUR), cu aproape 17% mai mare decât la 30 iunie 2008, iar profitul brut din exploatare a înregistrat o creştere de 19,4 % faţă de perioada similară a anului trecut, ajungând la 919 milioane RON (217 milioane EUR).

Volumul total al creditelor acordate clientelei este de 32,2 miliarde RON, cu 11 % mai mare faţă de 30 iunie 2008. Creditele pentru persoane fizice au ajuns la 15,8 miliarde RON, în creştere cu 10,5%, în timp ce creditele acordate clientelei de persoane juridice au crescut cu 11,5 %, până la 16,4 miliarde RON. Depozitele clientelei au ajuns la sfârşitul primului semestru al anului 2009 la 29,1 miliarde RON.

Costul net al riscului a crescut, dar rămâne mult inferior mediei sistemului bancar românesc.

Profitul net aferent primului semestru este de 425 milioane RON (101 milioane EUR), în scădere cu 17,4 % faţă de primul semestru al anului 2008.

Rentabilitatea capitalului propriu (ROE) a fost la sfârşitul primului semestru de 22,3 %, în timp ce raportul cost/venituri s-a menţinut la un nivel de 43,8 %. Cheltuielile generale rămân bine controlate, creşterea lor datorându-se, în principal, impactului cursului de schimb EUR/RON.

"Primul semestru al anului 2009 s-a caracterizat printr-o încetinire marcată a cererii de credite şi printr-o creştere accentuată a riscurilor atât în ceea ce priveşte clientela persoane fizice, cât şi clientela IMM. Această situaţie demonstrează amploarea recesiunii resimţită în primul semestru. În acest context, BRD a reuşit să-şi menţină rezultatele la un nivel satisfăcător. Datorită eficacităţii procedurilor sale interne, măsurilor de reducere a cheltuielilor generale şi calităţii portofoliului său, BRD şi-a demonstrat capacitatea de rezistenţă într-un mediu dificil", a declarat Patrick Gelin, Preşedintele - Director General al BRD - Groupe Société Générale.

BRD - Groupe Société Générale avea, la sfârşitul lunii iunie 2009, 2,6 milioane de clienţi. Banca a emis 2,2 milioane de carduri şi operează o reţea de 1 400 ATM-uri şi 20 000 de POS-uri. Totalul activelor băncii se ridica, la sfârşitul lunii iunie 2009, la 49,5 miliarde RON (11,7 miliarde EUR).

Raportul semestrial este disponibil pentru public si investitori pe site-ul web al băncii : www.brd.ro. Copii ale raportului vor putea fi obţinute, la cerere, gratuit, şi la sediul central al BRD - Groupe Société Générale, situat în Bulevardul Ion Mihalache nr. 1-7, sector 1, Bucureşti.

BRD-Groupe Société Générale este cea de-a doua bancă din România după totalul activelor şi are cea de-a doua capitalizare bursieră la BVB.
BRD face parte din Grupul Société Générale, unul dintre cele mai mari grupuri de servicii financiare din zona euro. Grupul are peste 160.000 de angajaţi în toată lumea, pe trei activităţi cheie:
- Retail banking şi servicii financiare
- Global Investment Management & Services
- Corporate & Investment Banking

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The main financial ratios of BRD-Groupe Société Générale as at March 31, 2009, according to the Romanian Accounting Standards*:

• The net banking income reached RON 815 mn (EUR 191 mn), up by 18% as against March 31, 2008.
  
  
• The gross operating profit approached RON 460 mn (EUR 108 mn), up by 20% as compared to Q1 2008;
  
  
• The total volume of the loans to customers is of RON 33 bn (EUR 7.7 bn), superior by 19.5% as compared to March 31, 2008;
  
  
• The cost/income ratio is of 43.6%;
  
  
• The net risk cost increased to RON 201 mn (EUR 47 mn), as against RON 62 mn (EUR 17 mn) in Q1 2008;
  
  
• The net profit is down by 19% as compared to the net profit as at March 31, 2008, reaching RON 210 mn (EUR 49 mn).

* The conversion to EUR was made for the profit and loss account based on the average rate of exchange calculated for the first 3 months of the year, of RON 4.2663 for EUR 1, while for the balance sheet it was based on the NBR rate of exchange as at March 31, 2009, of RON 4.2348 for EUR 1.

The financial results of BRD - Groupe Société Générale during the first quarter of the year reflect the bank's efforts to continue its activity under normal parameters in the context of economic decrease, paralleled by the careful cost management and risk control. Thus, the net banking income reached RON 815 mn (EUR 191 mn), up by 18% than as at March 31, 2008, and the gross operating profit recorded an increase of 20% as compared to the similar period of last year, reaching RON 460 mn (EUR108 mn).

The total volume of the loans extended to the customers is of RON 33 bn, up by 19.5% as against March 31, 2008. The loans to private customers reached RON 16 bn, up by 17%, while the loans to corporate customers increased by 22%, up to RON 17 bn. The customers' deposits at the end of the first quarter of 2009 registered an increase of 9.4% as compared to March 31, 2008, reaching RON 29.6 bn. BRD is continuing its prudent lending policy. The return on equity (ROE) at the end of Q1 was of 20%, while the cost/income ratio was of 43.6%, these results being reasonable in the current context.

The net profit of the first quarter is of RON 210 mn (EUR 49 mn), down by 19% as compared to Q1 2008. This decrease is mainly caused by the significant accrual of the credit risk cost which, in the current market conditions, can nevertheless be considered as well controlled. Considering certain non-recurrent incomes of the first quarter of 2008, the decrease of the net result would be of only 7%.

"We noticed a strong reduction of the demand for loans, and a significant increment of the risk cost. These two factors are mainly caused by the decrease of the economic activity and by the very high interest rates, mainly for lei. BRD, which anticipated this situation a few months ago, has adjusted to these circumstances by commercial actions focused on the flexibility and diversity of its range of products. We should also note that, although significantly higher than last year, the net risk cost should still be far below the average of the banking system", declared Patrick Gelin, Chairman - CEO of BRD - Groupe Société Générale.

BRD - Groupe Société Générale has, at the end of March 2009, 2.6 mn customers. The bank has issued 2.3 mn cards and operates a network of 1,400 ATMs and 20,000 POSs. The bank assets totalled, at the end of March 2009, RON 50.6 bn (EUR 11.9 bn).

The quarterly report is available for the public and investors on the web site of the bank: www.brd.ro . Copies of the report may also be obtained, upon request, free of charge, at the headquarters of BRD - Groupe Société Générale, located 1-7 Bd. Ion Mihalache, 1st district, Bucharest.

BRD-Groupe Société Générale is the second bank in Romania in terms of total assets. The bank has over 2.6 mn customers and operates a network of 935 agencies. BRD has the second market capitalization on the Bucharest Stock Exchange.

BRD is part of the Société Générale Group, one of the largest groups of financial services in the Euro Zone. The group has more than 160,000 employees worldwide, in three key activities:
- Retail banking and financial services,
- Global Investment Management & Services,
- Corporate & Investment Banking.

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Bucharest, February 12, 2009. BRD - Groupe Société Générale obtained in 2008 a net consolidated profit of RON 1,364 million (about EUR 370 million), up by 46% as compared to 2007; excluding the impact of BRD's selling its shareholding in Asiban, the net consolidated profit is of RON 1,138 million (approximately EUR 309 million), up by 22% as against the profit recorded at the end of 2007.

BRD -Groupe Société Générale saw a significant growth of its activities in 2008, against a background of difficult economic environment, especially during the fourth quarter of the year.

The main financial ratios* of BRD-Groupe Société Générale as at December 31, 2008, excluding the impact of the sale of the shareholding in Asiban, are:

These excellent results were due to the internal measures taken ever since the first quarter in anticipation of the financial crisis and of the slow-down of economic growth. Also, the strict control of the general expenses and the strengthening of the risk control contributed to these results.

The business volume was satisfactory; the lending activity remained strong, while the growth of deposits was more modest, but this is an isolated phenomenon caused by the market volatility during the final quarter of 2008. In fact, BRD's liquidity remains solid in structural terms.

The net profit of the group, which also includes the results obtained by the subsidiaries BRD Sogelease, BRD Finance and BRD Securities, is of RON 1,138 million (around EUR 309 million), in increase by 22% as compared to the same period of last year. If we add the surplus made by selling the shareholding in Asiban, the net profit amounts to RON 1,364 million (approximately EUR 370 million), a historical value for BRD. As for the net profit of the bank, it amounts to RON 1,127 million (about EUR 306 million). If we include, as well, the profit made by selling the shareholding in Asiban, the net profit of the bank amounts to RON 1,353 million (approximately EUR 367 million).

These results strengthen the robust solidity of the bank, the regulatory capital covering almost 12% of the risk-weighted assets of the bank, against the minimum 8% imposed by NBR.

The Return on Equity (ROE) was of 32.8% at the end of December 2008, while the cost/income ratio was of 42%, despite a still high level of investments (EUR 64 million). The net risk cost was maintained at a very low level, bad loans representing only 1% of the overall commitments.

At the end of 2008, the bank had extended loans amounting to over RON 34 billion, the loans to private customers representing 48% of the total amount. As compared to December 31, 2007, the total volume of the loans extended by BRD - Groupe Société Générale increased by 27%.

As for the customers' deposits, at the end of 2008 they exceeded RON 28.5 billion, up by 6% as against December 31, 2007.

"The year 2008 marks the end of a favourable economic cycle and the start of a difficult period, characterised, on the one hand, by uncertainties regarding the future macro-economic evolutions and, on the other hand, by regulatory constraints, the increasing costs of financing and by the need to ensure the profitability of our operations", stated Patrick Gelin, Chairman - CEO of BRD.

In 2008, BRD continued to develop its "proximity bank" concept. At the end of 2008, the BRD network counted 930 agencies, more by 124 as compared to December 31, 2007. In 2008, the bank attracted over 180,000 active customers. The development of the operations was accompanied by the recruitment of more than 2,200 new employees, thus the total number of employees exceeding 9,400 at the end of last year.

In 2008, BRD received two important distinctions as Bank of the Year in Romania from the international financial publications The Banker and Global Finance.

For more information on the annual results of BRD, please access the web site of the bank, www.brd.ro, section Shareholders/Investors.

*Increases are calculated in nominal terms.
Figures are calculated according to the local accounting standards.

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BRD published today, according to the financial communication planning agreed upon with the Bucharest Stock Exchange, the financial statements for the third quarter of 2008. The numbers confirm the results communicated in advance by the press release of October 14, 2008.

Thus, during the first nine months of the year, BRD obtained a net profit of RON 1,039 billion, in increase by 52% as compared to the same period of last year, also including the exceptional income from the sale of its equity interest in the insurance company Asiban. The volume of the loans extended to the customers is superior by 32% as compared to September 30, 2007. The customers' deposits recorded, as at end of Q3, a growth of 25% as against September 30, 2007. At the end of September 2008, the total assets of the bank amounted to RON 44.5 billion (EUR 11.9 billion).

The financial statements are available to the public and investors on the web site of the bank: www.brd.ro - Section Shareholders & Investors. Copies of the report may be also obtained, upon request, free of charge, at the head office of BRD - Groupe Société Générale S.A., located at 1-7 Ion Mihalache Bvd, 1^st district, Bucharest.

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During the first nine months of 2008, BRD - Groupe Société Générale recorded an important activity growth, both on the private and on the corporate banking sectors. The results of BRD - Groupe Société Générale at the end of the third trimester reflect this trend, in the context of a careful monitoring of the counterparties' quality.

The main financial ratios of BRD-Groupe Société Générale as at September 30, 2008 are:

• Net operating profit: RON 813 million (EUR 223 million), superior by 19% to the net profit recorded as at September 30, 2007; by adding the exceptional profit obtained from the sale of the equity interest in Asiban, the net profit obtained by BRD as at September 30, 2008 amounts to RON 1,038 million (EUR 285 million), higher by 52.2% to the level recorded at 30/09/2007;
• Net banking income: RON 2,147 million (EUR 590 million), higher by 25% than its level at the end of September 2007 (excluding the impact of the sale of the equity interest in Asiban);
• Gross operating profit: RON 1,203 million (EUR 331 million), in growth by 23% as compared to 30/09/2007 (excluding the impact of the sale of the equity interest in Asiban);
• Return on equity (ROE) at the end of T3 2008: 33% (excluding the impact of the sale of the equity interest in Asiban);
• An excellent level of the cost/income ratio: 44% (excluding the impact of the sale of the equity interest in Asiban)

The net profit of the first 9 months of the year, excluding the result of the sale of the equity interest in Asiban, is of RON 813 million (EUR 223 million), in growth by 19% as compared to the same period of last year. The exceptional profit (after the payment of taxes) obtained from the sale of the equity interest in Asiban amounts to RON 225 million (EUR 62 million). The Return on equity (ROE) as at end September was of 33%, which shows the high efficiency of the bank's operations, while the cost/income ratio was of 44%, which reflects the stringent management in the context of a less favourable economic environment as compared to the same period of 2007. The net risk cost maintained to a very low level.

The volume of the loans extended to the customers is higher by 32% as against September 30, 2007. Customers' deposits recorded at the end of T3 2008 an increase of 25% as against September 30, 2007. The total assets of the bank, at the end of September 2008, amount to RON 44.5 billion (EUR 11.9 billion).

"The solid growth at the end of the first nine months is due to the implementation of an adequate commercial policy both on the retail and on the corporate markets. At the same time, the growth is carefully calibrated, by applying strict risk monitoring principles in a relatively difficult market context. Indeed, our solidity was confirmed by the rating agency Fitch, which reasserted the rating A - for BRD at the end of last week", declared Patrick Gelin, Chairman - CEO of BRD - Groupe Société Générale.

At the end of September 2008, BRD - Groupe Société Générale had 2.6 million customers. BRD issued over 2.3 million cards and operates a network of almost 900 units, more than 1,400 ATMs and over 16,000 POSs.

* Unconsolidated preliminary financial results, computed according to the local standards (Order of the National Bank of Romania no. 5/2005). The amounts were converted from RON to EUR based on the average rate of exchange calculated for the first 9 months of the year, of 3.6404 RON/EUR for the income figures, and of 3.7336 RON/EUR for the balance sheet figures. The bank will publish the complete financial statements on November 10, 2008, according to the communication calendar agreed upon with BSE.

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BRD-Groupe Société Générale launched today its first chip cards. BRD thus becomes the first major bank in Romania to issue cards according to the EMV standard (technological standard created together by Europay, MasterCard and Visa, which allows the interoperability between the chip cards and the accepting systems - ATMs and POSs - in order to make high security payments).

The entire ATM and POS fleet is EMV certified since 2007, being capable of accepting payments from cards incorporating this technology.

The chip cards are dual cards, equipped both with a microprocessor and a magnetic stripe and have multiple advantages, the most important being the high level of security which eliminates the possibility of fraud. The transactions made offline become this way as secure as any authorized online transactions. The existence of the chip also allows higher speed in processing the transactions.

The first payment means to have been transferred to the new technology are the Maestro and Cirrus BRD cards. They will be followed, in the shortest time, by all the MasterCard cards and, by the end of the year, the bank will incorporate the new technology to the entire card portfolio.

The magnetic stripe cards in stock will function normally throughout their validity and at the time of their expiry they will be automatically replaced by the new chip technology.

BRD issued over 2.2 million cards and operates a network of over 1,370 ATM and over 15,000 POSs. BRD-Groupe Société Générale has assets of approximately EUR 12 billions. The Bank has over 2.5 million customers and operates a network of more than 800 units. BRD has the second market capitalization at the Bucharest Stock Exchange.

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Main financial ratios of BRD-Groupe Société Générale as at June 30, 2008*:

• The gross operating income exceeds RON 770 million (EUR 209.7 million), recording a growth of 30% as compared to the first half year of 2007;
• The net profit is superior by 23% to the net income recorded as at June 30, 2007, reaching RON 515 million (EUR 140.3 million);
• The Return on Equity (ROE) at the end of the first semester is of 32.4%;
• The cost/income ratio has reached the excellent level of 45.1%;
• The net risk cost maintains a low level of 103 basis points.

* Unconsolidated financial results, calculated according to RAS (the Romanian accounting standard). The conversion of the amounts from RON to EUR was done based on the average rate of exchange computed for the first 6 months of the year, of RON 3.6709 for EUR 1.

The financial performances of BRD - Groupe Société Générale during the first half-year of the year reflect the ongoing expansion of the bank in parallel with a careful cost management and the maintenance of an adequate quality of the credit portfolio. Thus, the gross operating profit recorded a growth of 30% as compared to the same period of last year, reaching over RON 770 million (EUR 209.7 million).

The net profit of the first semester is of RON 515 million (EUR 140.3 million) - the highest net profit ever recorded by BRD, superior by 23% to the first semester of 2007.

The return on equity (ROE) was of 32.4% at the end of the first half-year, while the cost/income ratio was of 45.1%. The net risk cost was maintained at a very low level of 103 basis points.

The volume of the loans to customers increased by 40% as compared to June 30, 2007. The loans to private customers augmented by 43%, while the loans to corporate customers increased by 37%. The deposits of the clientele were superior by 41% at the end of the first semester 2008 as compared to June30, 2007.

"The first half of 2008 was characterized by difficult market conditions and an increasing competition. BRD adapted to this context, by carrying out adequate commercial actions and, at the same time, continuing to implement the strategic projects connected to the optimization of the computer tools and the development of the distribution channels", declared Patrick Gelin, Chairman and CEO of BRD-Groupe Société Générale.

As at end of June 2008, BRD - Groupe Société Générale counted more than 225 million active private customers. BRD issued over 2.2 million cards and operates a network of 1,360 ATMs and 14,900 POSs.

The overall assets of the bank reached, as at end June 2008, approximately EUR 12 billion.

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Astăzi, 6 august 2008, s-a finalizat transferul dreptului de proprietate asupra pachetului de acţiuni deţinut de BRD - Groupe Société Générale la ASIBAN S.A. către societatea de asigurare franceză Groupama International S.A.

Contractul de vânzare - cumpărare de acţiuni a fost semnat la data de 9 aprilie 2008 de către BRD, alături de ceilalţi acţionari ai ASIBAN. În baza acestui acord, BRD a vândut pachetul său de acţiuni reprezentând 25% din capitalul social al ASIBAN, preţul total încasat fiind de 87.500.090,40 EUR.

BRD - Groupe Société Générale are active ce depăşesc 11 miliarde EUR. Banca are peste 2,4 milioane clienţi şi operează o reţea de peste 800 de unităţi. BRD are cea de-a doua capitalizare bursieră la BVB.

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BRD - Groupe Société Générale in 2007: growing financial results; improved profitability; strengthening of its position on the market:

• Net Banking Income: RON 2 512 million (+ 42 %)
• Gross Operating Result: RON 1 407 million (+ 54 %)
• Net consolidated result: RON 932 million (+ 36%)
• Net result of BRD: RON 917 million (+40%)
• " 806 units (+ 206): the largest banking network in Romania
• ROE = 35,4%

BRD - Groupe Société Générale generated an accelerated growth of all of its activities in 2007, as well. The bank results strengthened its position on a financial and banking market in fast development: in the context of a tough competition, BRD maintained or increased its market shares for certain products and customer segments.

BRD's strategy for 2007 relied on the development of the "proximity bank" concept, characterised by products tailored to the market's needs, good expense management and strict risk control.

Starting 2004, BRD has opened a record number of agencies, reaching 806 at the end of 2007 - thus becoming the largest banking network in Romania.

Counting on proximity, but also on an innovative commercial offer, BRD managed to attract in 2007 over 300,000 new active customers. The development of the bank was accompanied by the recruitment of more than 2,400 new employees.

The extended loans totalled as at end 2007 approximately RON 27 billion, 50% of which were loans to private customers. The total volume of the loans extended by BRD - Groupe Société Générale augmented by 44% as against December 31, 2006.

The volume of private loans increased by 45%, while the loans destined to corporate customers augmented by 42%. The weight of small and medium-sized companies in all the bank's commitments represented 39% at the end of last year.

As at end 2007, the customers' deposits exceeded RON 27 billion, superior by 37% to December 31, 2006.

The net banking income registered an important growth in 2007, reaching RON 2,512 million, superior by 42% to last year.

The gross operating income is of RON 1,407 million, in increase by 54% as compared to 2006. The operating ratio (general expenses / net banking income) reached 44%, which is lower compared to 2006, despite maintaining a high investment rate (EUR 69 million).

The risk cost maintained to a low level, bad loans representing only 1.03% in overall commitments.

The net profit of BRD amounts to RON 917 million* (+40% as against 2006), while the consolidated net profit reached RON 932 million**, superior by 36% to last year.

The return on equity maintained a good level, ROE being of 35.4%. The decrease as against September 30, 2007 (39.7%) is due to including the assets revaluation gap in the bank's equity.

In 2007, as well, the financial group built around BRD expanded by the setting up of three more new companies. BRD entered the pension funds market, by its specialised subsidiary, BRD Fond de Pensii. The other two subsidiaries that were set up are Sogeprom România, for real estate development and promotion, and ECS International, a company specialised in the renting of IT equipment.

In 2007, BRD received important awards, being chosen Bank of the Year 2007 in Romania by 3 international financial publications: Euromoney Magazine, The Banker and Global Finance.

For more information on the annual results of BRD, please refer to the bank site, www.brd.ro, section Shareholder/Investors.

Growths are computed in nominal terms.
Figures comply with the local accounting standards.
The consolidated results include BRD - Groupe Société Générale, BRD Sogelease IFN,
BRD Finance IFN and BRD Securities.

* EUR 275 million
** EUR 279 million

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Société Générale, major shareholder of BRD, announced a fraud of EUR 4.9 billion in its financial market activities. Additional depreciations related to the sub-prime crisis in the United States, amounting to EUR 2 billion, were also signalled.

Nevertheless, the Société Générale Group will obtain for 2007 a net result ranging between EUR 0.6 and 0.8 billion.

Société Générale is now launching a capital increase of EUR 5.5 billion, which is already secured by bank syndication.

The financial soundness of the SG Group is in no way affected, and the indicators will remain at the levels required by the international standards.

The quality of its performances will allow it to eliminate, without any difficulties, the negative effects of this event.

BRD is in no way affected by this situation, which does not challenge its profitability or the continuation of its strategy of development on the Romanian market.

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BRD-Groupe Société Générale launched in Romania Citizen Act II, a business game on topics of corporate responsibility organized by the Société Générale group, in which 82 European universities take part.

The objective of the competition is to imagine how Société Générale should act in 2028 to put into practice the corporate and environmental responsibility principles. To build the corporate responsibility and environment strategies, one may consider multiple subjects from various fields: economic, environmental protection or social.

The 21 teams which signed up in Romania (20 made up of students of ASE Bucharest and 1 of students of the West University of Timisoara) have already participated in a European selection phase, following which 6 of them remained in the competition to run against 34 other teams. The 40 teams selected for the final stage of the competition will animate their own wikiblogs, on which they will also present their projects. The winners will be elected in March, based on the following criteria: pertinence of ideas, creativity and realism.

The Société Générale group is a party of several international treaties that are relevant in the field of corporate social responsibility: the Wolfsberg Group (the taskforce against money laundering), Global Compact, Carbon Disclosure Project (an inventory of the actions taken by the 500 biggest world companies with respect to the climatic change), Equator Principles (a pact signed by the 50 most important banks in the world, aiming to include social and environmental impact in the financing projects of over USD 10 million).

In 2006, the Société Générale group spent EUR 22.3 million in sponsoring, corporate patronage and responsibility, giving other EUR 4.9 million to support humanitarian projects. The Bank financed with EUR 1.2 billion various ecologic industries (solar energy, alternative energies, and waste management).

In its turn, BRD has been developing for 10 years a corporate responsibility strategy, getting involved in four main areas: arts and culture, education, sports and humanitarian actions.

BRD - Groupe Société Générale has assets exceeding EUR 10 billion. The bank has over 2.3 million customers and operates a network of more than 700 units. BRD has the second market capitalization on the Bucharest Stock Exchange (approximately EUR 5.5 billion).

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On Friday, June 1, 2007, BRD-Groupe Société Générale started to apply the new credit conditions, according to the norms approved by BNR.

Starting with this date, the maximum level of indebtedness accepted by BRD - Groupe Société Générale for all the types of loans to individuals is of 70%, which makes it possible to borrow larger amounts of money.

Interest rates for real estate/mortgage loans in euros start from 5.75% and down payment is no longer compulsory. Also, BRD has a new offer regarding the loan for personal needs Expresso NonStop in euros, secured by mortgaged, with interest rates starting from 6%.

For all the loans secured by mortgage - real estate, mortgage or for personal needs - the customers know from the beginning all the costs for the entire credit period, due to the transparent interest rate system: the interest rate is flat during the first year and floating during the following years, calculated based on the BUBOR and EURIBOR ratios.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 8.7 billion. The Bank has over 2.2 million customers and operates a network of more than 600 agencies. BRD has the second market capitalisation with the Bucharest Stock Exchange (around EUR 5 billion).

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On Friday, June 8, 2007, BRD - Groupe Société Générale starts paying the dividends on 2006 to its shareholders recorded in the BRD shareholders' register as at May 4, 2007.

The shareholders who own cards issued by BRD or hold current accounts opened with BRD - Groupe Société Générale will automatically receive the dividends on the respective card or current account.

The shareholders who requested that the payment be made in an account opened with another commercial bank will receive the dividends in the specified account, according to their option.

The shareholders who did not specify an account for the payment of the dividends are expected, starting June 8, 2007, in any BRD agency to request the payment of the dividends, either by transfer or in cash.

BRD - Groupe Société Générale transmitted each shareholder a letter informing them on the quantum of the dividends due to them and on the payment modality.

The General Meeting of the Shareholders of BRD - Groupe Société Générale of April 18, 2007 set a gross dividend of RON 0.36722 per share.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 8.7 billion. The bank has over 2.2 million customers and operates a network of more than 600 agencies. BRD has the second market
capitalisation at the Bucharest Stock Exchange (approximately EUR 5 billion).

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Bucharest, May 14, 2007. The financial and commercial performances of BRD - Groupe Société Générale during the first quarter of 2007 were good, the Bank recording a growth of 39% of the net banking income as compared to the same period of last year.

As at March 31, 2007, the loans extended to the customers reached approximately RON 19 billion, in growth by 78% as against March 31, 2006. The loans to corporate customers increased by 64% as compared to March 2006, while those to private customers by 96% as against the same period of the previous year.

The customers' deposits as at end March 2007 exceed RON 20 billion, in growth by 36% as compared to last year.

The gross operating income (without the impact of provisions) reached RON 256 million, and the net profit amounted to RON 168 million.

The Return on Equity was of 30% at the end of the first quarter of the year.

As at March 31, 2007, the distribution network of BRD was made up of over 600 agencies. At the same date, the Bank had more than 1.000 ATMs and over 10.000 POSs.

According to the Chairman of BRD, Patrick Gelin, "BRD keeps on recording high growth rhythms on all the markets and has managed to consolidate its position despite a very strong competition. The Bank confirmed its force on the retail market, where its products and services, but especially the fast expansion of its distribution network, enabled it to enlarge the market share and the customer database. BRD also pays particular attention to the corporate customer market, on which large corporations and SMEs represent important growth sources this year."

At the end of March 2007, BRD - Groupe Société Générale had approximately 2,2 million active customers. The Bank has the second market capitalisation on the Bucharest Stock Exchange (around EUR 4, 8 billion at the end of April 2007).

*) All the numbers are expressed in nominal values and are unconsolidated.

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Groupe Société Générale has signed with ANIMMC a collaboration protocol aiming at supporting the investments made by small and medium-sized enterprises, as well as by micro-enterprises.

The protocol is destined to co-finance 2 financial support programs and to provide entrepreneurial training to the representatives of the small and medium enterprises and of the micro-enterprises sectors.

On the one hand, in the period 2006 - 2009, BRD will participate in the multi-annual national programme of support of the investments made by start-ups and micro-enterprises, as well as of the investments of modernisation and re-equipment of small and medium-sized enterprises.

On the other hand, the bank will also co-finance the credits extended under the programme for the development of entrepreneurial skills among the youth and the facilitation of their access to financing - START 2007. This programme intends to develop entrepreneurial skills based on the optimal knowledge and management of resources, with a view to adapting to the requirements determined by the markets globalisation and by Romania's accession to the EU, as well as to support the development of start-ups by facilitating their access to financing.

According to the financing scheme,60% of the eligible value of the investment project will be extended by ANIMMC as a non-repayable financial allowance (no more than EUR 50,000 for enterprises older than 2 years and maximum EUR 10,000 for start-ups), 25% of the value will be covered by the bank, under the form of a loan, and 15% will be the beneficiary's contribution in cash, which will previously be deposited in the account opened with the lending institution, in compliance with the terms of ANIMMC.

BRD - Groupe Société Générale provides a wide range of loans for the small and medium-sized enterprises, grouped in two packages addressed, one to micro- and small enterprises (the Ristretto package) and the other to medium-sized enterprises (the Simplis package). The two credit packages were launched mid-2006 and the volume of the loans extended until the end of March 2007 exceeds EUR 360 million.

BRD - Groupe Société Générale is the second bank in Romania, with assets superior to EUR 8 billion. The bank has over 2 million customers and operates a network of more than 600 agencies. BRD has the second market capitalisation with the Bucharest Stock Exchange (EUR 4, 3 billion, approximately).

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On Thursday, March 29, e-mail users were subject to a fraud attempt through the method known as "phishing". This fraud method consists in transmitting electronic messages to e-mail users, by which they are requested personal banking identification data. Concretely, the message was sent as if coming from BRD and it requested the customers to access a site whose design was identical to the one of the internet banking service www.brd-net.ro, in order to fill in several personal data (user name and password, card number, card expiry date, PIN).

BRD-Groupe Société Générale took immediate measures to stop this personal data theft initiative and the security of the computer system supporting the internet banking service, BRD-Net, was at no time in danger.

BRD-Groupe Société Générale reminds its customers that the bank does not, under any circumstances, request confidential information by e-mail (user name/password, card number, card expiry date, PIN). Also, such information as password and PIN must not be revealed, for any reason, to anyone, not even to the bank. The customers who receive such messages are requested to contact the bank at the telephone numbers 0800 803 803 (TelVerde number accessible in the Romtelecom network), *BANCA (accessible in the Vodafone and Orange networks), 021 3026161 (accessible in all the networks, including from abroad).

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In the period 21.03.2007 - 29.03.2007, BRD - Groupe Société Générale is paying the coupon corresponding to the sixth payment period for the corporate bonds issued in April 2004. The value of the coupon no. VI is of RON 114,76/bond. The payment of the interest will be made by BRD - Groupe Société Générale by banking transfer to the account of each holder of corporate bonds BRD07A. All the bondholders registered with the Bonds Register on March 14, 2007 are entitled to cash the coupon no. VI.

Also, in the period 21.03.2007 - 29.03.2007, BRD - Groupe Société Générale is repaying the loan of RON 2500/bond. All the bondholders registered with the Bonds Register on March 14, 2007 are entitled to cash the principal.

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BRD - Groupe Société Générale launched the real estate loans ImoExpert and InvestissIMO, dedicated to certified freelancers and legal entities, with interest rates starting from 6% per year.

Destined to certified freelancers and aimed at financing the purchase and modernization of real estates, the ImoExpert loan can cover up to 100% of the investment value. The maximum amount of the loan is of EUR 300.000 or the RON equivalent, for a length extended up to 20 years for the liberal professions or up to 15 years for the other certified freelancers, with a payment period of up to 6 months.

Also, the InvestissIMO loan, destined to the financing of real estate purchases, completes the range of corporate loans. The new loan, available in RON or EUR, addresses all the companies - very small enterprises, SMEs or Major Corporations - and can cover up to 100% of the investment value for a period of up to 15 years, with a payment period of up to 6 months.

For both loans, the customers benefit from interest rates that are flat during the first year, starting from 6% for the loans in EUR and 7% for the loans in lei.

As of the second year of lending, the interest rates are indexable, correlated with the money indexes Bubor 3M and Euribor 3M, the customers having the possibility to compute at any moment the instalments to be repaid.

Both loans can be used to refinance the loans destined to the purchase of real estate for business development, outstanding with other banks.

More information on these two products is available both in the branches of BRD - Groupe Société Générale, and on the phone number dedicated to SMEs - 080 10 BRD IMM (08010 273 466), local fee number in the Romtelecom network.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 8 billion. The bank has over 2 million customers and operates a network of more than 600 agencies. BRD has the second market capitalisation with the Bucharest Stock Exchange (approximately EUR 4, 3 billion as at March 2, 2007).

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The National House of Pensions and Social Insurance and BRD - Groupe Société Générale signed an agreement under which the pensioners in Romania can receive their rights directly in a current account with attached card in any of the bank agencies.

Within this offer, the customers benefit, without charges, from the opening of the current account, the delivery of the monthly statement of account, free withdrawals of cash from ATMs or POSs, payments at the traders on the territory of Romania or abroad, and from the issuance and renewal of the card.

Pensioner customers can also pay their invoices, free of charge, at POS, by the Simplis Debit service, they can have access to the Mobilis mobile banking service and to the payment, by means of over 1000 ATMs, of the Orange, Romtelecom or Vodafone invoices, as well as of invoices for other utilities (electricity, methane gas), and to the direct debit of the account with the instalments of the loans contracted with BRD.

Pensioners holding Maestro cards issued by BRD are provided, also free of charge, with the list of the latest ten operations performed at the ATMs.In addition, BRD offers them the possibility to consult by telephone the balance of the account and to make transfers to another account opened with BRD, by making a free call at the number 0800.803.803.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 8 billion. The bank ahs over 2 million customers and operates a network of more than 600 agencies. BRD has the second market capitalisation with the Bucharest Stock Exchange (approximately EUR 4,3 billion as at March 2, 2007).

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- Net Banking Income: RON 1 772 million (+ 26%)
- Gross Operating Revenue: RON 911 million (+ 21 %)
- Consolidated net income: RON 687 million (+ 19%)
- Net income of BRD: RON 656 million (+19%)
- 600 agencies (+ 274)
- ROE = 36%

The year 2006 confirmed the positive evolution of the financial performances of the bank, despite the massive investments in the development of the network and the maintenance of a high productivity and profitability level.

Commercially, for BRD - Groupe Société Générale, the year 2006 represented a period of very fast growth of the number of agencies (in average, one new agency opened per business day). Counting on proximity, but also on the innovative and reactive commercial offer, BRD managed to diversify its customers on market segments with great development potential: the liberal professions, the micro-companies, the agricultural or real estate sectors. BRD thus increased its portfolio with over 360 000 new active customers. The expansion of the network was accompanied by massive personnel recruitment, the largest in the Romanian banking sector: more than 2 200 new employees joined the BRD team in 2006.

The total loans as at end 2006 exceeded RON 18, 7 billion, the loans to individuals representing 50%. Thus, the total volume of the loans extended by BRD - Groupe Société Générale increased by 79%, as against 2006. This positive evolution was also due to our subsidiaries, which had remarkable results. The loans to individuals increased by 113 % and the loans to legal entities by 54%.

The customers' deposits at the end of the year exceeded RON 19, 6 billion, in increase by 35% as against December 2005.The net banking income continued its growth in 2006, reaching RON 1 772 million, in growth by 26% as compared to the previous year, reflecting the sustained development of the company business.

The gross operating revenue is of RON 910 million, in increase by 21% as compared to 2005. The operating ratio (general expenses/net banking income) reached 49%, slightly superior to 2005, due to the massive investments made this year.

On the background of a maintained low risk cost and of a good expenses management, the net consolidated profit reached RON 687 million, in increase by 19%. The individual profit of BRD was of RON 656 million.

The return on equity maintained a good level, ROE reaching 36%.

As at end 2006, BRD - Groupe Société Générale had 600 agencies, 2 000 000 customers and almost 7 300 employees. BRD is the second bank in Romania and the second market capitalisation on the Bucharest Stock Exchange, with a capitalisation of over EUR 4.5 billion.

More information on the annual results is available to you on the bank site, www.brd.ro, under section Shareholders/Investors.

* Note:
All the figures are consolidated for BRD, BRD Sogelease IFN, BRD Finance IFN and BRD Securities
% - evolution in nominal terms

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BRD - Groupe Société Générale launched today two packages of products destined to individual customers: the ''BRD Clasic'' and ''BRD Select'' packages, adapted to the banking needs of all its customers.

The packages grant the customer access to a wide range of products and services, in preferential conditions, consisting in multiple discounts and free services.

Holding a package of products ensures a 20% discount of the commissions, both for the extension of the loans - the card-accessed overdraft included, and for the issuance and management of the holder's card. The BRD Clasic package is formed of a current account in lei or euros, a Visa, MasterCard or Maestro card, at choice, a "Confort'' insurance, an AIG insurance of hospitalisation in case of an accident and the phone banking service Vocalis.

The BRD Select package offers, in addition, a better remuneration of the current account, by a new product, PractiCont in lei or in euros. PractiCont remunerates progressively the cash in the current account, depending on its level. For example, the customers benefit from an interest rate of 4, 25% per year, for amounts from RON 1.000 to RON 2.000, or of 2,25% per year, if the balance of the account is between EUR 250 and EUR 500. Furthermore, within the Select Package, the customers can also choose a Mastercard Gold card and an AIG insurance hospitalisation in case of accident or disease.

Both packages include a number of free operations per month: cash withdrawals and interrogations of the account balance at the ATMs of BRD - Groupe Société Générale. Optionally, the customers can benefit, free of charge, from the BRD-NET (internet banking) and Mobilis (mobile banking) services.

Thus, the customers may opt, from the beginning, for more simplicity and efficiency in purchasing the products and services and in making their daily banking operations. BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 8 billion. The bank has over 2 million customers and operates a network of more than 600 agencies. BRD has the second market capitalisation with the Bucharest Stock Exchange (approximately EUR 4, 3 billion as at January 31, 2007).

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BRD - Groupe Société Générale remains close to its customers during the winter holidays, as well, offering them the entire range of banking products and services by its network of more than 550 agencies.

Except for the non-business days of Monday, the 25th, and Tuesday, the 26th of December, respectively Monday, the 1st, and Tuesday, the 2nd of January 2007, the largest part of the agencies of BRD - Groupe Société Générale will have regular opening hours. The agencies of BRD - Groupe Société Générale situated in the supermarkets countrywide (Carrefour, Kaufland, Cora, Auchan, Jolie Ville, Mercur Mall Ploieşti) will have the same opening hours as the supermarkets. Also, the customers of BRD - Groupe Société Générale will have at their service the fleet of over 800 ATMs and 9.000 de POSs installed at the accepting traders in the country.

From 18/12/2006 to 03/01/2007, the Vocalis service (the call-centre platform of BRD-Groupe Societe Generale) is available to the customers every day, from Monday to Saturday, between 08:00h - 22:00h (the regular hours) and on Sunday, the 24th, and on Sunday, the 31st of December 2006 between 08:00h - 17:00h, with full-option services. On the 25th, the 26th of December 2006, and on the 1st and the 2nd of January 2007, the only available services will be the interrogation of the balance of the current account and assistance in case of loss or theft of the card.

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The bond issue launched on November 29 by BRD - Groupe Société Générale, collected RON 735 million and the supervising authority of the Luxemburg capital market approved the closing of the offer.

"The success of the bond issue launched by BRD proves, on the one hand, the large interest of the foreign institutional investors towards the Romanian currency and, on the other hand, the trust in the BRD brand", stated the Chairman - CEO of BRD - Groupe Société Générale, Patrick Gelin.

On November 29, 2006, BRD-Groupe Société Générale launched the largest international issue of bonds in lei ever made. The issue, reserved to the non-resident investors, is quoted in Luxemburg and has a 5-year maturity and an interest rate of 7.75%.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 7 billion. The bank has 2 million customers and operates a network of over 550 units. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3, 8 billion as at November 15, 2006).

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Starting today, BRD-Groupe Société Générale has 2.000.000 customers. The customer no 2.000.000 is Mrs Carmen Olteanu in Braşov, holder of a personal loan ''Expresso''.

Member of the Société Générale Group, 7 years ago BRD was the first privatized bank in Romania. In 1998, the year when BRD was bought by the French banking group, the bank had approximately 450.000 customers, most of which deposit holders, and had a share of 6, 7% of the private customer loan market, with approximately 190 agencies.

The privatization was the beginning of a period of accelerated development, reflected by the significant growth of the number of customers and of agencies, as well as of the market share.

The development of the agency network is one of the main strategic axes of development of BRD-Groupe Société Générale. In 2004, the bank launched the BRD Express project, a program of accelerated densification of the network, based on a new concept of bank agency, characterized by the proximity to prospects, the simplicity and rapidity of the operations and the customer's comfort. At the end of 2006, the bank operates a network of 530 agencies and it has 2 million customers. Also, the bank holds over 23% of the market of loans for the population and 16, 8% of the total assets in the Romanian banking system.

''The customer no 2 million is the symbol of a collective success and, equally, of the BRD's capacity of placing the customer at the heart of its preoccupations'', stated Patrick Gelin, Chairman - CEO of BRD-Groupe Societe Generale.

The bank will mark the moment by an event organised at the Royal Palace in Bucharest, in the presence of Mr. Didier Alix, Deputy Chief Executive Officer of the Société Générale group, Mr. Jean-Louis Mattei, Head of International Retail Banking of the Société Générale Group, as well as of the great Romanian sportsmen Ilie Năstase and Gheorghe Hagi.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 7 billion. The bank has 2 million customers and operates a network of 530 agencies. BRD has the second market capitalization at the Bucharest Stock Exchange (approximately EUR 3, 8 billion) as at November 15, 2006.

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BRD-Groupe Societe Generale was awarded by ''The Banker'' magazine the title of ''Best Bank in Romania''.

The prize from the British magazine is the second received by BRD from an international publication this year, after having won the title ''Bank of 2006 in Romania'' from the ''Euromoney'' magazine.

''BRD-Groupe Societe Generale is crossing a period of very dynamic development, underlined both by the increase of the number of banking units and by the growth of the customer database. The decisive element in our receiving the prize was the capacity of BRD to develop fast and, at the same time, to maintain its high profitability'', stated Patrick Gelin, Chairman - CEO of BRD - Groupe Societe Generale.

''The Banker'' is a financial publication focused on the field of banks and financial markets. ''The Banker'' prizes reward the most efficient financial institutions and the best banks in over 100 countries. BRD - Groupe Société Générale is the second bank in Romania, with assets over EUR 7 billion.

The bank has almost 2 million customers and operates a network of more than 530 agencies. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3,8 billion) as at November 15, 2006.

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- The Vocalis service, now also available in the Orange and Vodafone networks at the telephone number *BANCA (*22622)

BRD - Groupe Société Générale diversifies, starting this week, the range of banking products offered by the portal www.brd.ro. The new product that can be requested online is the BRD-ISIC students' card. Available since 2004, the service of online issuance of cards for individuals allows customers to obtain the cards Maestro, MasterCard Standard in euro, Visa Classic in lei, Visa Classic in USD and Cardul 10. The card is issued after confirmation of the data provided on the site and the customer goes to the bank only to enter in possession of the product.

BRD - Groupe Société Générale offers a wide range of products and services that can be accessed over the internet or the telephone. Apart from the online issuance of cards, the customers may request consumer loans, real estate loans, as well as loans for SMEs.BRD has a whole line of e-banking services: phone banking - the Vocalis service, mobile banking - the Mobilis service and internet banking - BRD-NET.

Vocalis, the first phone-banking service available on the Romanian market ever since 2001, provides the customers by telephone, fax or e-mail, with general information on the bank offer. Pre-acceptance of loans, transfers between accounts and payments of invoices are available by this service. Also, BRD - Groupe Société Générale made available to its customers a new telephone number to call the Vocalis service: *BANCA (*22622), accessible in the Orange and Vodafone telephony networks (normal price). The Vocalis service can also be accessed at the telephone number 0 800 803 803, free of charge in the Romtelecom network, or at 021 3026161, from Monday to Sunday, from 8:00h to 22:00h, the options of interrogation of the account balance and blocking/unblocking of the card being available 24/7.

BRD - Groupe Société Générale is the second bank in Romania, with assets over EUR 7 billion. The bank has almost 2 million customers and operates a network of more than 530 agencies. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3, 8 billion as at November 15, 2006).

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BRD-Groupe Société Générale is launching the largest international bond issue ever denominated in RON (Romanian Lei). The issue, which is to be listed in Luxembourg, has a value of RON 500 million, a 5 - year maturity and 7.75% interest rate. The issue is reserved to non-resident investors.

"The bank has chosen to list this issue abroad, in Luxembourg, in order to facilitate the international investors' access to it and to satisfy the increasing demand for RON-denominated securities outside the borders of Romania", stated Patrick Gelin, Chairman & CEO of BRD-Groupe Société Générale.

This year's issue is in fact the second made by BRD-Groupe Société Générale, after the launching, on April 8, 2004, of a bond issue of RON 50 million, which was at the time the first significant bond issue launched by a Romanian bank after 1990.

BRD - Groupe Société Générale is Romania's second-largest bank, with assets exceeding EUR 7 billion. The bank has almost 2 million customers and operates a network of more than 530 branches. BRD-Groupe Société Générale has the second-largest market capitalization on the Bucharest Stock Exchange (approx. EUR 3.8 billion as of November 15, 2006).

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BRD - Groupe Société Générale launched today the new private needs loan Expresso with a holidays promotional offer.

For the pre-accepted loans from November 15 to December 25, 2006, the customers benefit from a special offer consisting of a 1-month total payment period, the reimbursement of the premium taking place two months later. The new Expresso loan is extended in lei and in EUR, for a period up to ten years, and the interest rates are at an attractive level, beginning from 10%. The customers can borrow maximum RON 40,000 or EUR 10,000. The new loan is extended with no down-payment, no guarantors and no mortgage.

BRD - Groupe Société Générale is the second bank in Romania, having assets exceeding EUR 7,1 bn. The Bank has almost 2 million customers and operates a network of over 530 agencies. BRD has the second stock exchange capitalisation at the Bucharest Stock Exchange (about EUR 3, 7 billion).

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The consortium made up of BRD-Groupe Société Générale and Portuguese Bank Caixa Geral de Depositos signed today a loan contract with Martifer Group, represented by Agromart Energy SRL and Biomart Energy SRL, meant to finance the Biodiesel production project developed by the Portuguese group in Romania. Société Générale Portugal and Caixa Banco de Investimento have also contributed to the negotiation and closing of this deal.

Portuguese Group Martifer is building in Romania a refinery specialized in the production of Biodiesel out of vegetal oil, using oleaginous seeds as a raw material. The project, which costs, in its first stage, more than 41 million euros, will be realized during the next two years.

Biodiesel is an alternative, non - polluting combustible, made of reusable resources. It is used in Diesel engines and can be mixed in different proportions with Diesel to create a combustible mixture. Biodiesel reduces with almost 90% the carbon dioxide emissions, and by 98% the sulfur emissions.

The project is developed through two companies, Biomart Energy SRL, which produces Biodiesel, and Agromart SRL, which operates in the field of oleaginous seeds planting. Through this company, Martifer intends to buy approx. 50,000 ha of land to insure the raw material for a minimum production capacity.

The project is financed by the banking consortium made of BRD-Groupe Société Générale, as Arranger, and the Portuguese bank Caixa Geral de Depositos, as Co-Arranger. The two banks will put together the funds necessary for the financing of the project - EUR 25.1 million - for a 7 year period.

In Romania, this project marks an important step in the process of passing from the production of classic combustibles to the production of alternative combustibles; it also accompanies the EU Directive 2003/30/CE, which regulates the promotion of the use of bio combustibles and other renewable combustibles, especially in the transportation field.

BRD - Groupe Société Générale is the Romania's second-largest bank, with assets worth more than EUR 6.4 billion. The bank has more than 1.8 million customers and operates a network of more than 500 branches. BRD has the second market capitalization on Bucharest Stock exchange. (approximately EUR 3.7 billion on October 25, 2006).
Founded in 1876, Caixa Geral de Depósitos is Portugal's first universal bank and is the centre of the most important Portuguese financial group. The bank has EUR 89.3 billion in assets and operates a network of more than 1100 branches in Portugal and abroad. The bank is present in more than 16 countries through branch offices and subsidiaries.
Martifer Group is the leader of the metallic building sector, in both Portuguese and Iberian markets. Martifer intends on extending its activities in Europe and diversify its activities towards new sectors, i.e. renewable energy and real estate.

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The objective of 1400 vehicles contemplated by ALD Automotive for the end of this year was already reached in September 2006, the total amount of the contracts exceeding EUR 20.000.000.

"The full service operational leasing market has known important dynamics since 2005, when we started our business, and we are convinced it will continue to grow in a sustained rhythm, given the fact that the companies look not only for a financing solution, but also for a solution to render their car fleet management more efficient" declares Philippe Valigny, CEO of ALD Automotive Romania.

The products of full service operational leasing for car fleets offered by ALD Automotive is available on the entire territory of Romania. ALD Automotive extended its supplier network, by signing, since early 2005 until now, over 200 agreements with suppliers all over the country, for a complete coverage of the Romanian territory.

The package of car fleet management integrated services offered by ALD Automotive includes, apart from the financing of the vehicle, a complete programme of maintenance, delivery and registration, tire management, insurances, assistance for the vehicles and the driver, replacement vehicle, VIP service, consulting and reporting and, recently, starting with September 2006, the fuel management service.

ALD Automotive Romania started running its business in November 2005, being a company jointly held by ALD Automotive and BRD-Groupe Société Générale. ALD Automotive is the branch of the Société Générale Group specialised in full service operational leasing and car fleet management. ALD Automotive is one of the major European companies in operational leasing and car fleet management, operating in 34 countries and managing 626.900 vehicles. BRD is the second bank in Romania, with assets exceeding EUR 6, 4 billion. The bank has over 1, 8 million customers and a network of more than 500 agencies. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3, 7 billion as at October 25, 2006).

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BRD - Groupe Société Générale launches, under the slogan "Do your friends know how you spent your holidays", a new promotional campaign dedicated to high school and college students in Romania.

During the first stage of the campaign, which will come to an end on November 30, 2006, the high school and college students benefit from free issuance of the dedicated cards: the SPRINT Card - for high school students, and the BRD-ISIC Card - for college students. This special offer is completed with the prize automatically offered upon the handing of the card: 5 pictures, at choice, developed free of charge by the partner site www.usphoto.ro.

In addition, from October 20, 2006 to January 30, 2007, there takes place a promotional campaign destined to the owners of BRD-ISIC, BRD-ISIC STUDCARD and Sprint cards. All the youth who hold such cards issued by BRD - Groupe Société Générale and who, during the campaign, make at least five operations worth minimum RON 10 / operation will participate automatically in the drawing of lots of February 14, 2007. Each five operations mean a new participation in the drawing of lots. The prizes offered under the campaign consist of digital cameras, mobile phones with incorporated camera, travel bags by Lamonza, ISIC discount cards, BRD promotional presents, amounting to approximately EUR 13 500.

"By this campaign we wish to attract new customers, to whom we dedicated in our commercial offer the BRD-ISIC card (especially for college students) and the Sprint card (especially for high school students)" - declares Mr. Geo Bavro, Director of the Monetics and Distribution Channels Division of BRD-Groupe Société Générale. The BRD-ISIC card is a debit card in lei, usable worldwide, granting students access to a special offer of commissions and to an international programme of discounts. The Sprint card, especially created for the students aged 14 to 18, is a cash withdrawal card, under the Cirrus trademark, offered in advantageous terms: reduced commissions and a special interest rate.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 6, 4 billion. The bank has over 1, 8 million customers and a network of more than 500 agencies. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3, 7 billion).

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From October 31, 2006 to November 13, 2006, BRD Securities - Groupe Société Générale S.A. will intermediate the second public offering of bonds, worth RON 3.500.000, issued by the Lugoj municipality. The subscription will take place by the distribution group formed by BRD Securitites-Groupe Société Générale SA and BRD - Groupe Société Générale, in the agencies specified in the prospectus.

The interest rate is floating; computed according to the formula [(BUBID 3M+BUBOR 3M)/2] + 0, 95 % and will be paid on a quarterly basis. For the first computation period, the interest rate is of 9, 68 % per year.The bonded debt will be reimbursed in 32 quarterly instalments, starting December 15, 2006 until September 15, 2014.

The total number of issued bonds is 35.000 and the issue price is RON 100, equal to the nominal value. The distribution method follows the principle "First arrived, first served", distinctly for the tranche dedicated to the private investors (20% of the offer value) and for the tranche of the corporate investors (80% of the issue value), respectively. The funds resulting from the sale of the bonds will be used to finance the investment project "Modernisation of the Lugoj municipal roads". After confirmation by CNVM of the report on the public offering results on the primary market, the Lugoj Municipality will take the necessary measures to list the Lugoj municipal bonds at the Bucharest Stock Exchange.

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BRD Sogelease IFN S.A., the leasing branch of BRD - Groupe Société Générale, signed over 2.500 contracts during the first nine months of the current year, the value of the financed goods amounting to EUR 126 million, superior by 57 % to the same period of last year.

At the end of September, the structure of the BRD Sogelease IFN S.A. portfolio was: industrial vehicles - 45.36%, cars - 23.54%, construction equipment - 13.71%, industrial, medical and agricultural equipment - 12.36%, IT equipment- 3.17%, real estate - 1.86%.

"BRD Sogelease IFN S.A. is not a leasing company based on the financing of cars only. We are a company financing industrial equipment and vehicles and trying to anchor our strategy in the Romanian reality" stated the CEO of BRD Sogelease IFN S.A., Mr. Jean Paul Decrock.

BRD - Groupe Société Générale is the only banking institution actively using its network to place the leasing product on the Romanian market of financial products. With BRD, the customer benefits from a complex and complete banking relation: banking services, leasing, factoring, asset management, the leasing operations being organised as an integrant part of the product portfolio proposed by the BRD Group.

BRD Sogelease IFN S.A. is a founding member of the Leasing and Non-banking Financial Services Association, an institution that represents the interests of 20 leasing companies and totalises approximately 60% of the Romanian profile market (ALB estimates).

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BRD - Groupe Société Générale : factoring operations worth EUR 207 million as at end September

BRD registered as at end September 2006 a total volume of the factoring operations of EUR 207 mil., close to the level achieved the entire year 2005 (211 MEUR). As compared to the same period of the previous year, the factoring operations registered an increase of 45%.

Import factoring operations, launched last year, had the most spectacular development: they increased 10 times as compared to September 2005. Important increases as against the same period of 2005 can also be noticed in the domestic factoring operations (+ 60%), which reached EUR 146 million as at end September 2006. These results allowed BRD - Groupe Société Générale to consolidate its leader position on the Romanian factoring market, the bank being expected to hold, by the end of 2006, 42% of a market estimated at approximately M EUR 710, a percentage that equals a factoring operations volume of M EUR 300.

At the end of 2005, BRD - Groupe Société Générale held a market share of 38%, at a considerable distance from the second place, which held a market share of only 25%. BRD manages by factoring a portfolio of over 360 customers and 700 debtors - either customers or non-customers of BRD. Against the same period of last year, the number of customers who chose factoring increased by 40%, which means more than 100 new companies added to the previous portfolio. The package of factoring services offered by BRD-Groupe Société Générale includes, apart from the financing of receivables, the receivables management service which consists in collecting and managing the receivables and, if necessary, in managing the risk of non-payment by the debtors. The collecting procedures provided by BRD- Groupe Société Générale on the Romanian market allow the shortening of the receivables collection period and the decrease of the related financing costs, borne by the customer. By this service, BRD-Groupe Société Générale also aims at bettering the payment behaviour of the economic agents by a stricter observance of the contractual maturities. The offer of BRD - Groupe Société Générale allows the customers to choose, depending on their needs, certain services or the entire factoring package. The use of the factoring product impacts immediately on the customer's cash-flow, permitting the development of the business without blocking the company's assets in collaterals.

BRD - Groupe Société Générale is the first bank in Romania to have launched the factoring product in 1994 and the first banking institution with the statute of full member of Factors Chain International. BRD-Groupe Société Générale is at present the only bank in Romania that offers complete factoring products, be it domestic, export or import factoring, with or without recourse.BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 6, 4 billion. The bank has over 1, 8 million customers and operates a network of more than 500 agencies. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3, 58 billion) as at October 2, 2006.

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BRD Société Générale and GECAD ePayment International today announced the launch of BRD ePayment - a joint eCommerce service - and the forging of a strategic partnership, a first in the field of electronic commerce in Romania.

The partnership's objective is the combined offering of stable, secure and efficient eCommerce solutions to Romanian companies looking to take their business online or to those who are already selling on the Internet. The agreement will also allow GECAD ePayment and BRD Société Générale to commonly manage major eCommerce contracts. BRD ePayment is the first project of this kind to be developed in Romania.

"Innovation is one of the values guiding BRD actions and the eCommerce field needs right now a strong impulse to develop further. We believe that our partnership with GECAD ePayment represents the impulse the Romanian eCommerce market needs", declared Hervé Barbazange, Deputy CEO of BRD-Groupe Société Générale.

The agreement concluded between our companies is a natural step for an eCommerce market in great development, as the Romanian market is. We are pleased that, together with BRD, we set the basis of a professional eCommerce practice, at a western level", said Radu Georgescu, President of GECAD Group.

"BRD continuously endeavors to identify innovative solutions that simplify our clients' lives and as a result we put at our customer's disposal a complete array of distance banking services, including electronic commerce. Starting with the launch of E-Commerce BRD in January 2006, BRD has been actively involved in the development of the eCommerce market. On the same line of active involvement, we consider that a partnership between a bank and a company offering integrated solutions for online payments, as are BRD Société Générale and GECAD ePayment, represents the next step in the development of electronic commerce in Romania, accomplishing the making of a strong pillar in the field.", commented Gheorghe Bavro, Director of Cards and Distance Channels within the Strategy and Marketing Department of BRD-Groupe Société Générale.

The partnership aligns itself with both companies' strategies of developing the eCommerce market in Romania. Besides the commercial offer, the collaboration consists of common projects for informing the public at large, businesses and consumers alike, of the benefits of online transactions.

Getting together resources from both organizations bestows local online businesses a double advantage: access to a complete eCommerce solution, together with the backing offered by a main player in the banking market. "Practically, as a result of this partnership, any online shop that chooses the BRD ePayment solution benefits from the support and expertise of both companies in online transactions.", said Carmen Sebe, GECAD ePayment's CEO. "We expect that the number of online businesses as well as that of online shoppers increase as a result of our common effort", added Carmen Sebe.

ePayment® is a solution for online payments and eCommerce developed by GECAD ePayment International, member of GECAD Group. BRD ePayment addresses all those that wish to sell online and has a direct and strong impact upon the Romanian electronic commerce as it offers businesses and consumers alike more security and comfort when buying on the Internet.

BRD ePayment is available starting today in BRD Société Générale branches throughout the country. GECAD ePayment specialists are also available to offer guidance and expert advice.
Further information about the offer can be found on the companies' websites: www.brd.ro and www.epayment.ro.

About BRD-Groupe Société Générale
BRD - Groupe Société Générale is the second bank of Romania, with assets of over 6.4 billion euro. The bank has more than 1.8 million clients and operates a network of more than 500 branches. With 3.5 billions euro market capitalization (at the end of April 2006), BRD - Groupe Société Générale ranks first of the financial entities listed at the Bucharest Stock Exchange and second of all listed companies.
www.brd.ro

About GECAD ePayment International
GECAD ePayment is an eCommerce solutions integrator, leader on the Romanian online payment market.
ePayment®, a registered mark of GECAD ePayment International SRL, is a solution for online business tailored for the Romanian market which offers an easy to use and secure online payment system, both for merchants and buyers. The system supports payments through debit and credit cards (VISA, MasterCard, Diners, JCB, AMEX), wire transfer, cash on delivery, micro-payments (SMS and DTMF) and BRD-Mobilis, the only complete eCommerce solution on the Romanian market. ePayment® is 3D Secure and VeriSign certified.
GECAD ePayment is a member of GECAD Group.
www.epayment.ro

For further information, contact:

BRD Société Générale:
Traian Traicu, Head of Media Relations Department, BRD-Groupe Société Générale, tel: 021 301 61 50
E-mail: traian.traicu@brd.ro

GECAD ePayment:
Sorana Kunst, PR & Communication Specialist GECAD ePayment, tel: 021 303 20 66
E-mail: sorana.kunst@epayment.ro

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Orange Romania and BRD-Groupe Société Générale have become the main partners of the first Romanian portal dedicated to corporate social responsibility.

The two companies, known for their involvement in the community, thus aim at encouraging the Romanian managers and companies to contribute to the lasting development of the society.

Adela Pascu, General Secretary of BRD-Groupe Société Générale, considers that the role of the companies in the society has changed: "Companies have now the moral obligation to assume their responsibility towards the consumers, the employees and the communities in which they operate. The public opinion asks them to comply with professional ethic rules and to get involved in social causes".

At the international level, the public pressures the companies to invest in the development of the society. Studies from 2000 show that 70% of the European consumers took into account the responsibility of a company when making a decision on whether to buy a product or a service (MORI 2000). In 2004, according to Cone Corporate Citizenship Study, 86% of the Americans war tempted to exchange a brand for a similar one, but involved in a social cause.

Even if Romania is still far in terms of public pressure on the business sector, Amalia Fodor, PR Manager, Orange Romania, thinks there should be a both-way communication between a company and its public: "An open and transparent communication is the best way to progress. Social responsibility means continuous development and, also, consideration of each opinion".

Concerning the reasons at the basis of the partnership with ResponsabilitateSociala.ro, Amalia Fodor says: "We want to contribute to a programme that offers Romanian companies the information they need in order to actively get involved in the life of the community". In her turn, Adela Pascu declares: "By supporting the programme, BRD aims at promoting the social responsibility concept in Romania - among the company managers, public authorities, ONGs, mass-media and the wide public".

The investment of the new partners will allow the programme ResponsabilitateSociala.ro to expand its communication capacity in the business sector and to involve the public and the civil society to a greater extent in the debate on the role of the companies in the development of the Romanian society. Also, the organizers wish to reinforce the portal's objective of being the most important source of information on the companies investing in social projects in Romania.

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During 21.09.2006-29.09.2006, BRD - Groupe Société Générale pays the coupon for the fifth payment period for the corporate bonds issued in April 2004. The V coupon value is 108,99 RON/bond. The payment of the interest will be made by BRD - Groupe Société Générale by funds transfer, with the account of each holder of BRD07A corporate bonds. All the bond holders registered with the Bond Registry on September 14, 2006 have the right to cash the V coupon.

The interest related to the sixth coupon period of the corporate bonds issued by BRD - Groupe Société Générale is 9,13% (BUBOR6M quotes on September 21, 2006). The value related to the sixth coupon is RON 114,76 /bond. All the bond holders registered with the Bond Registry on March 14,2007 will have the right to cash the sixth coupon. The payment of the sixth coupon will be made during 21.03.2007 - 29.03.2007, and the period for which BRD - Groupe Société Générale will pay the interest is 21.09.2006-20.03.2007 (included).

The loan repayment will be made during 21.03.2007 - 29.03.2007. All the bond holders registered in the Bond Registry on March 14, 2007 will have the right to cash the principal.

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BRD - Groupe Société Générale inaugurated in Bucharest, on Tuesday, its 500th agency. The network of BRD - Groupe Société Générale has known a sustained development these past two years, starting with the launching of the BRD Express project, in October 2004.

The BRD network development project defined a new concept of bank agency based on three key-characteristics: the proximity to potential customers, the simplicity and rapidity of the operations and the customer's comfort.The BRD Express agencies are small units situated, depending on the needs, both in the street and in the premises of an institution or of trading centres.

Fast and practical for the customers, the agencies have a " universal desk " that processes the entire line of current operations, as well as simplified forms and work procedures. The opening hours of each agency are adapted so that the customer consultants and the tellers may service the customers according to extended and flexible working hours. The Express Programme also allowed the implementation of unique projects within the Société Générale Group, such as the bank agencies in the universities, the automated bank agency " BRD 24h ", the agency for the expatriate customers, as well as BRD Café.

After the launching of the programme, the densification of the BRD - Groupe Société Générale network knew a substantive development; if on December 31, 2004, BRD counted 212 agencies, a year later the bank already had 326 agencies and on June 30, 2006, their number reached 441.

"The development of the BRD network represents an important effort in terms of investment and logistics, a project developed in an alert rhythm, which could be implemented due to the quality of the BRD teams involved", stated Patrick Gelin, President - CEO of BRD - Groupe Société Générale.

"In October 2004, together with the launching of the new "BRD Express" concept and with the simultaneous opening of 33 new agencies, our bank relaunched the proximity bank concept for the entire banking community. Starting with 2005, all the banks, as triggered by a signal, reviewed their development strategy. BRD managed to stimulate the development of the retail bank in Romania and to point the direction in retail for the Romanian banking market. We have at present the largest banking network in Romania, with a dynamics and profitability in compliance with our strategy" stated Sorin-Mihai Popa, Deputy CEO of BRD - Groupe Société Générale, the coordinator of the BRD agency network and of the commercial and retail activities of the bank.

BRD - Groupe Société Générale is the second bank in Romania, with assets of more than EUR 6 billion. The bank has over 1,8 million customers and operates a network of 500 agencies. BRD has the second capitalisation at the Bucharest Stock Exchange (approximately EUR 3,5 billion).

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The July issue of Euromoney Magazine presents the top of the best banks, at both international and regional levels. 2006 is a multiple success for the Société Générale Group: BRD was granted the "Bank of the Year" award for Romania, whereas BRD's majority shareholder, Société Générale, won the prizes for "Bank of the Year" at an international level, as well as the "Bank of the Year" award for France.

According to Euromoney, "BRD - Groupe Société Générale won the best bank award for the second year in a row, thanks to its superior return on average assets of 3.17 and its cost-income ratio of 50.52 - the lowest among Romania's largest banks".

Euromoney also shows that "Société Générale has used its independence to its advantage, putting together a strategy that leverages the steady income from its French retail banking network to build newer, high-growth and high-return businesses in emerging Europe and investment banking."

Euromoney commends the bank's choice "to concentrate on becoming a first-class operation in areas and businesses where its corporate and investment bank could make a difference, notably in equity derivatives, securitization and structured finance."

Euromoney is a leading monthly publication for the global banking, finance and capital markets. Its Awards for Excellence, now in their 15th year, recognize the best-performing financial institutions in every significant financial market and product sector, as well as the leading banks in well over 100 countries.

Société Générale is one of the largest financial services groups in the euro-zone. The Group employs more than 103,000 people worldwide in three key businesses: retail banking & financial services (19,8 million individual customers worldwide), global investment management & services (EUR 1,521 billion under custody, March 2006) and under management (EUR 402 billion, March 2006), corporate & investment banking.

BRD - Groupe Société Générale is the second largest bank in Romania, with assets exceeding EUR 6 billion. The bank has 1.8 million customers and operates a network made of more than 440 branches. BRD ahs the second market capitalization at the Bucharest Stock exchange (approx. EUR 3.5 billion).

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Orange România anunţă lansarea serviciului de plăţi online pe www.orange.ro prin care abonaţii săi au posibilitatea să îşi plătească factura lunară, să reîncarce cartele sau să achiziţioneze telefoane, accesorii, cartele preplătite sau materiale promoţionale direct pe Internet, cu cardul bancar. Soluţia utilizată are la bază serviciile BRD - Groupe Société Générale de procesare şi decontare a tranzacţiilor cu card bancar, soluţia tehnică pentru plata online fiind asigurată de GECAD ePayment.

Acest serviciu cu valoare adăugată completează serviciile Webshop şi WebCare, unde clienţii Orange pot accesa online informaţii despre produse noi, abonamente sau cartele, pot face schimbări în planul tarifar sau pot trimite solicitări serviciului clienţi Orange.

"Clienţii Orange pot de acum să facă plata on-line pentru produsele şi serviciile oferite prin Webshop şi Webcare. Clienţii noştri pot să achiziţioneze telefoane, accesorii, cartele PrePay sau materiale promoţionale şi să-şi plătească factura sau să facă reîncărcări de conturi PrePay din faţa calculatorului de acasă, de la servici sau chiar din vacanţă. Soluţia ePaymentTM şi banca BRD au răspuns cel mai bine cerinţelor noastre de a implementa acest proiect." a declarat Oana Şolcă, WebShop şi WebCare Marketing Manager la Orange.

Noul serviciu de plăţi online introdus de Orange utilizează platforma de comerţ electronic ePaymentTM dezvoltată de compania GECAD ePayment. Tehnologia permite procesarea de plăţi prin Internet cu card bancar, într-un mediu securizat.

Clienţii Orange vor putea efectua plăţi online folosind cărţi de credit sau de debit Visa/ Visa Electron şi MasterCard/ Maestro, comisionul perceput posesorilor de card fiind zero.

"Sistemele de plăţi online devin tot mai mult o opţiune în România, pentru comercianţi şi pentru cumpărători deopotrivă. Lansarea acestui serviciu de către Orange Romania este un proiect important în special prin numărul mare de utilizatori care vor beneficia de avantajele soluţiei ePaymentTM. Comerţul electronic se va bucura astfel de o promovare excelentă la nivel naţional şi estimăm o disponibilitate crescută a publicului pentru tranzacţii online, urmată de o creştere a volumului pieţei." a comentat Carmen Sebe, CEO GECAD ePayment.

Despre Orange România
Orange este lider de piaţă în România cu 7,1 milioane de clienţi la sfârşitul primului trimestru al anului 2006 şi este parte a Grupului Orange una dintre cele mai mari companii de comunicaţii din lume, fiind prezentă în 17 ţări.
La sfârşitul anului 2005, Orange România a avut o cifră de afaceri de 870 milioane EUR şi 6.8 milioane de clienţi, înregistrând cea mai mare creştere a bazei de abonaţi şi venituri dintre operatorii din România. Pentru a fi aproape de clienţi, Orange a dezvoltat o largă reţea de magazine proprii ce cuprinde până acum 28 de locaţii în toată ţara.
Orange România oferă o gamă largă de servicii de comunicaţii: voce, date, mesaje scrise, mesaje multimedia, wap, e-mail, GPRS, EDGE, 3G, wireless IP, WiFi, USSD etc. Orange a fost primul operator din România care a oferit servicii video pe telefonul mobil, incluzand Live-TV.
Orange România se remarcă prin cea mai largă acoperire a reţelei şi peformanţe excelente în serviciile de asistenţă oferite clienţilor. Orange înseamnă dorinţa de a crea un viitor mai bun şi de a oferi o experienţă de comunicare cât mai simplă şi mai intuitivă. Orange înseamnă mai mult decât tehnologie, telefonie mobilă sau reţele GSM, este un brand creat pentru a facilita comunicarea între oameni şi a aduce valoare comunităţilor în care operează. Grupul Orange are o strategie de responsabilitate socială corporativă bine definită, prin care ne asigurăm că activitatea noastră se desfăşoara într-o manieră responsabilă.

Despre BRD
Începând cu luna ianuarie 2006, BRD - Groupe Société Générale oferă servicii de procesare a tranzacţiilor realizate cu carduri bancare prin Internet, implicându-se activ în susţinerea şi promovarea comerţului electronic în România. Serviciul E-Commerce BRD adresat comercianţilor le permite acestora să-şi extindă activitatea către mediul online, prin acceptarea plăţilor cu carduri emise sub siglele VISA şi MasterCard, Banca procesând tranzacţiile în conformitate cu standardele 3D Secure - Verified by Visa şi Mastercard SecureCode.

BRD - Groupe Société Générale este a doua bancă din România, cu active ce depăşesc 6,4 miliarde EUR. Banca are peste 1,8 milioane clienţi şi operează o reţea de peste 400 de unităţi. BRD are cea de-a doua capitalizare bursieră la BVB (aproximativ 3,5 miliarde EUR la 10 august 2006).

Despre GECAD ePayment International
GECAD ePayment este integrator de soluţii pentru comerţ electronic, lider pe piaţa românească de sisteme de plăţi online.
ePaymentTM este o soluţie pentru magazine virtuale având ca scop principal realizarea unui sistem simplu şi sigur de plăţi pe Internet atât pentru comercianţi cât şi pentru cumpărători.
ePayment procesează comenzi cu plata prin card bancar (VISA, MasterCard, Diners, JCB, AMEX), transfer bancar, plata la livrare, microplăţi (SMS şi DTMF) şi BRD-Mobilis, fiind singura soluţie completă pentru e-commerce de pe piaţa românească.
GECAD ePayment este certificată 3DSecure şi VeriSign şi auditată PCI DSS.
ePaymentTM este marcă înregistrată GECAD ePayment International SRL.
Membră a grupului GECAD.

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On August 1st, BRD - Groupe Société Générale launched a new savings product in lei: "Deposit 1000", offering two options on the saving period: 6 months with a flat interest of 7,75% per year and 2 months with a flat interest of 7,25% per year. The minimum necessary amount for the deposit is RON 1.000. The interest level is flat, guaranteed for the entire deposit period, its payment being made on the maturity date.

The launching of the new deposit comes within the context of the increase of the interest rates for all the saving products, deposits or savings accounts destined to individuals.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 6 billion. The Bank has over 1,8 million customers and a network of over 40 agencies. BRD has the second stock exchange capitalisation at the Bucharest Stock Exchange (about EUR 3,5 billion).

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On June 15, 2006, BRD Finance and Daniel Expert launched the credit card Daniel, issued under the MasterCard logo. The new card is a flexible financing product, with international utilisation, destined to those who wish to acquire products in the Daniel network, of over 35 stores, as well as in any store displaying the MasterCard logo. In addition, the holders of the Daniel card have the possibility to withdraw amounts from any ATM displaying the MasterCard logo.

The users of the Daniel card will benefit from a series of facilities destined to them exclusively: a 5% discount for any product bought by card in the Daniel stores; prepayments without penalty; free guarantee against any possible accidents occurred during the transportation or assembling of the products, for a month sine the purchase.

Another important advantage for the card holders is the possibility to choose one of the two reimbursement options, each time they shop in the Daniel stores: the full reimbursement of the spent amount, which means a payment period not exceeding 40 days, during which no interest is charged, or the payment of a minimum monthly amount for several months. As and when the drawn amounts are repaid, they become once again available on the card and can be redrawn for new acquisitions.

The Daniel card can be obtained rapidly, only with the salary certificate or the pension slip, making a first acquisition of minimum RON 500 in any Daniel store. The documents are submitted in the Daniel stores, in the lending bureaus, and the reply is given on the spot. After the approval, the contract can be signed immediately and the card will be sent to the holder, at home, within maximum 2 weeks.

The card issuance and management fee for the first year is of RON 19,9 (199.000 ROL) and is paid upon receipt of the statement of account.

The paid interest diminishes with each utilisation of the card: from 2,49% per month for amounts not exceeding RON 800 (ROL 8 million), to 1,69% per month for amounts of over RON 4.000 (ROL 40 million).

The Daniel Expert stores offer customers a varied line of products, from electronic and electrical goods to computers and mobile phones. At present, the network covers 15 counties by 35 stores, but according to the statements of the General Manager, Mr. Dan Damian Oprescu, it will continue to extend on the national level. Ever since the opening of the first store in 1993, the slogan "Quality at the best price" made the difference from the competitors' offers and represented a guarantee for success.
The collaboration with BRD Finance, started a year ago, was consolidated with the launching of the Daniel credit card. This partnership brings advantages to both companies, but especially to the Daniel Expert customers, who from now on will buy the products they wish more easily.

BRD Finance Credite Consum is a joint venture created by BRD-Groupe Société Générale together with Franfinance, the branch of Groupe Société Générale specialised in consumer loans. Present on the Romanian market since April 2004, BRD Finance managed to develop commercial partnerships with famous trademarks and is present in more than 3.000 stores and retail networks in Romania. The Daniel card is the fifth issued by BRD Finance, after the privative Carrefour, Praktiker and Rombiz cards, made last year, and the Real card, issued this year.

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BRD - Groupe Société Générale launched the Simplis PrePay service of prepaid phone cards recharge by POS terminals, a first on the banking market in Romania.

Developed in partnership with the great mobile telephony operators, Simplis PrePay is an innovative service addressing both the traders and the mobile phone users and coming to complete the offer of functionalities made available to them by the POS terminals: payments at the traders, the payment of utility invoices for the traders having signed an agreement with BRD.

The Simplis PrePay service will be available in the networks of the traders with which BRD will sign agreements in this respect. Available at its launching for recharges of prepaid phone cards working in the Vodafone Romania network, the service will be extended to other suppliers of prepaid services, as well, from the fields of mobile telephony, international telephony and Internet access, all the operations being possible with the help of the same POS terminal.

The final users - the owners of mobile phones - may perform the operations of PrePay card recharge by the POS terminals installed at the BRD traders as follows:

• Card - this modality is destined to the holders of cards in lei or in foreign currency (EUR, USD) - individuals, authorised freelancers and legal entities - being limited, at first, to the cards issued by BRD, but meant to extend rapidly to the cards issued by other banks in Romania or abroad.
• Cash - for individuals, authorised freelancers and legal entities, either customers or non-customers of BRD.

The launching of Simplis PrePay is part of the strategy of BRD - Groupe Société Générale to simplify the life of its customers by offering them alternatives for the access to the banking products and services. BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 5,7 billion. The bank has over 1,8 million customers and operates a network of more than 360 agencies. BRD has the second stock market capitalisation on the Bucharest Stock Exchange (approximately EUR 3,4 billion as at end of May 2006).

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BRD-Groupe Société Générale received from the Economic Students Association in Romania the prize "The most wanted employer" which designates the company preferred as employer by most economics students in Romania.

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BRD - Groupe Société Générale and the Ministry of Education and Research developed, based on a partnership signed in early March, the educational programme called " Learn and win with BRD ".

Carried on between March 20 and June 1, 2006, the programme aimed at familiarising children with the manner of operating of banks, with the baking products and services, involving approximately 30.000 students in 195 high schools in the country. The first stage of the programme, called " Learn with BRD ", consisted in a series of presentations on banking themes, made in the participating high schools by the BRD representatives - financial managers, marketing managers and representatives. The second stage, " Win with BRD ", consisted in a contest-game in which the students could participate by filling in a multiple-choice test with questions regarding issues approached in the presentations of the first stage.

The prizes, totalising over EUR 10.000, included promotional presents, 75 subscriptions to the " National Geographic ", " Geo " and " Descoperă " magazines. The great prize - a 3-day trip for two persons to the " Futuroscope " amusement park in France - was won by Mircea Lucian Tanasa, a student of the National College "Grigore Ghica" in Dorohoi.BRD also gave a special prize - 3 computers for the computer laboratory of the educational institution with the largest number of students participating in the contest: the Technical Secondary School "Stefan Procopiu" in Vaslui.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 5,7 billion. The bank has over 1,8 million customers and operates a network of more than 360 agencies. BRD has the second stock market capitalisation on the Bucharest Stock Exchange (approximately EUR 3,4 billion).

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CNTEE Transelectrica S.A., the Transmission System Operator (TSO) is launching during 14-28 June 2006 a primary initial public offering. The number of shares to be offered is 7,329,787. The price per share is RON 16.8 RON.

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BRD - Groupe Société Générale launched today a complete offer of products destined to SMEs. Made up of two product lines, "Ristretto SME" and "Simplis", the offer aims at satisfying the needs of all the categories of small and medium enterprises. Also, the bank started a partnership with Eximbank destined to exporting SMEs.
The "Ristretto SME" line (Concentrated for SMEs) addresses micro-enterprises and small enterprises and is made up of 3 packages of products: the "Go" package, the "Master" package and the "Easy" card credit. The "Ristretto" line is characterised by simplified work procedures, minimum documentation and, especially, the rapidity of the financing decision - 15 minutes. In addition, access to financing is not conditioned by the placing of collaterals.

The "Go" package addresses start-ups, SMEs started for less than a year, and it includes two types of loans, one for investments, the other for the financing of the current activity. The investment loan has a maximum value of RON 75.000, the bank financing no more than 75% of the project value for a period of up to 5 years.
The "Go" package also includes a loan for the financing of the current activity, of maximum RON 35.000, extended for 12 months, with possibility of renewal upon maturity.

The "Master" package includes a line of credit, a card loan, a development loan and an investment loan.
The line of credit allows covering the working capital requirements with funds up to RON 75.000 (maximum 1,5 times the monthly turnover), for a 12-month period.
Also, SMEs have access to loans on Business cards, of up to RON 20.000 or EUR 5.000. The loan is extended for 12 months.

The development loan is extended for the financing of equipments, modernisations and working capital for current business. The maximum value, reimbursable within 12 months, is of RON 75.000.
The fourth component of the "Master" package is the investment loan for the purchase of equipments and/or buildings. Amounting to no more than RON 75.000, the loan can be reimbursed in 5 years and has a payment period of 6 months.

The "Easy" loan is extended on Business cards and amounts to no more than RON 1.500, no guarantees required. The loan is extended for 2 years and the reply to the financing application is immediate.
"Ristretto" is completed by the "Simplis" line of products, destined to medium enterprises. "Simplis" regroups short-term lending solutions, as well as medium-term investment loans and loan facilities, with flexible guarantee schemes, including the possibility of guarantee by FNGCIMM. The maximum amount that can be obtained by the loans in the "Simplis Credit" line is of RON 400.000.

In addition, BRD started an integrated approach of exporters support, with a global, complete offer, structured on three axes: consultancy, protection and financing. BRD is close to its customers throughout their export activity, irrespective of the development stage of their international projects. BRD has a sale force specialised in export operations, present in all the network of the bank, at the customer's service.
By the partnerships signed with Creditinfo, Dun & Bradstreet distributor in Romania, and with Kompass Romania, BRD supports Romanian exporters facilitating their access to services of commercial information and exploration of external markets.

BRD also signed a collaboration agreement with Eximbank in the field of export support and development of the business environment, Eximbank offering products and services to complete the BRD offer. Exporters may benefit from State guarantee of the loans contracted with BRD.

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 5,7 billion. The bank has over 1,8 million customers and operates a network of more than 360 agencies. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3,4 billion).

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BRD - Groupe Société Générale begins to pay the dividends for the tax year 2005 to the shareholders registered in the BRD shareholders register as at the registration date of May 9, 2006.

The shareholders owning cards issued by BRD or current accounts opened with BRD - Groupe Société Générale will implicitly receive the dividends on their card or current account. The shareholders having required payment in an account opened with another commercial bank will cash the dividends in the specified account, according to their option.

The shareholders not having indicated an account for the payment of the due dividends will be able to cash them in any of the agencies in the BRD - Groupe Société Générale network (the shareholders are no longer allotted to a certain BRD agency, as in the previous years).

The General Assembly of the Shareholders of BRD - Groupe Société Générale of April 20, 2006 established a gross dividend per share of RON 0,3089 (3.089 ROL).

BRD - Groupe Société Générale is the second bank in Romania, with assets exceeding EUR 5,7 billion. The bank has over 1,8 million customers and operates a network of more than 360 agencies. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3,4 billion).

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ALD Automotive, the subsidiary of BRD Société Générale Group and of ALD Automotive Group, operational on the Romanian market for 9 months, already manages a fleet of 1000 vehicles. The company aims to manage a fleet of 1400 vehicles by the end of this year.

ALD Automotive offers a new product on the Romanian market: full service operational leasing. This product is designed for companies which need to use a fleet of vehicles, for a predefined period of time and for a fixed monthly rate, fully deductible. Besides the financing of the vehicle, the fixed monthly rate includes a complete range of related services: maintenance, tires, insurance, vehicle and driver assistance, replacement vehicle, VIP service, reporting and consultancy.

Through the full service operational leasing, the companies have now at their disposal a complete and efficient solution for the outsourcing of their fleet management.

The full service operational leasing allows to the companies to benefit mainly from the total control of their cash flow, from a better forecasting of their fleet costs and from the release of important financial resources which can be alocated to their core business.

ALD Automotive in brief
ALD Automotive is the operational leasing and fleet management business line of the Société Générale Group. ALD Automotive is one of the largest providers in Europe and a company of reference on its market:
- Operates now in 31 countries
- Employs 3,200 persons dedicated to customer satisfaction
- Manages over 602.000 vehicles (2005-end in Full Service Leasing and Fleet Management)
Combining professionalism and quality of services provides companies with value-added integrated solutions at both national and international levels.
www.aldautomotive.com

Société Générale in brief
Société Générale is one of the largest financial services groups in the euro-zone. The Group employs more than 103,000 people worldwide in three key businesses:
- Retail Banking & Financial Services: Société Générale serves more than 19 million individual customers worldwide.
- Global Investment Management & Services: Société Générale is one of the largest banks in the euro-zone in terms of assets under custody (EUR 1,418 billion, December 2005) and under management (EUR 386 billion, December 2005).
- Corporate & Investment Banking: Société Générale ranks among the leading banks worldwide in euro capital markets, derivatives and structured finance.
Société Générale is included in the four major socially-responsible investment indexes.
www.socgen.com

BRD - Groupe Société Générale in brief
BRD is the most important private bank in Romania, with more than EUR 5.2 billion assets. The bank serves more than 1.7 million clients and operates on a network of more than 320 units. BRD has the second stock exchange capitalization at BVB (EUR 3.6 billion at the end of March 2006). www.brd.ro

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BRD - Groupe Société Générale and the Romanian Tennis Federation signed today, within a press conference that took place at the Crowne Plaza Hotel in Bucharest, a new sponsoring contract under the partnership between the two institutions. BRD - Groupe Société Générale, the official partner of the Romanian Tennis Federation since 2000, will sponsor in 2006 with the amount of EUR 100.000 the forum that coordinates the white sport in Romania. The amount will partially cover the organisation expenses of the national and international tournaments on the Federation agenda this year. Ever since 2000, BRD - Groupe Société Générale has been supporting the RTF activity and the tennis in Romania with over EUR 600.000.

Present at the press conference, the president of BRD, Patrick Gelin, declared: "We have shared, all this time, many important moments for the white sport in Romania, but most importantly, we have built a reliable relationship. During these years, Romania has consolidated its position in the elite of world tennis and it has begun reconstruction from the bottom, where talents are formed. The quarterfinals played with Croatia in the Davis Cup represent a success that gives us all the certainty that Romanian tennis is on the right track".

In his turn, the President of the Romanian Tennis Federation, Ilie Năstase, stated: "We are pleased that BRD decided to associate with the tennis in Romania. The bank is an important partner and I'm convinced that we will have a lasting and successful relationship".

BRD - Groupe Société Générale is a constant supporter of the Romanian tennis, the bank being also involved in the support of another traditional sport, rugby, as well as in the organisation of the latest five editions of the Romanian Cycling Tour. BRD - Groupe Société Générale is the second bank in Romania, with assets of over EUR 5,4 billion. The bank has more than 1,7 million customers and operates a network of over 320 units. BRD has the second market capitalisation at the Bucharest Stock Exchange (approximately EUR 3,6 billion as at end March 2006).

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The campaign "Unique prizes in Romania, unique cards worldwide", carried on by BRD - Groupe Société Générale from December 5, 2005 to January 31, 2006, designated the winner of the great prize of EUR 50.000 - Mrs Valentina Gutium in Bucharest.

During this campaign, BRD issued banking cards in a "limited edition", with a unique design worldwide, presenting memorable images of the great champions Nadia Comăneci, Ilie Năstase and Gheorghe Hagi. As a first, the cards had a second hologram allowing the three-dimensional visualisation of a football ball (on the Gheorghe Hagi card), of a tennis racket (the Ilie Năstase card) or of a gymnast (the Nadia Comăneci card). In the two months of campaign, the bank managed to issue more than 500.000 cards. In order to participate in this campaign, the customers had to hold a package of products, made up, on the one hand, of one of the six "limited edition" card designs, and on the other hand, of a savings account Atucont in lei or in euros, or of a consumer loan in lei, or of an authorised overdraft.

In the drawing of lots of April 21, there could participate the customers with packages of active products at that date, provided they had used the "limited edition" card at the traders, in Romanian or abroad, at least five times in the period December 5 - April 20, 2006. The complete list of winners can be accessed by a simple click here.

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The campaign "Exceptional prizes in Romania, unique cards worldwide" continues. BRD offers, for three year, 100 grants for talented children.

The campaign "Exceptional prizes in Romania, unique cards worldwide" represents a first for Romania also by the fact that BRD offers prizes equally to the children of the holders of "limited edition" cards, bearing the image of the great champions Nadia Comăneci, Ilie Năstase and Gheorghe Hagi.

The children of the holders of "limited edition" cards have the chance to win, during three years, 100 grants at some of the most famous sports academies in the world: the football academies of the Real Madrid and Galatasaray clubs, the tennis academy of Roland Garros, as well as to the Bart Conner Gymnastics Academy in the United States of America.

You can sign up for the national preselections until May 20, in any BRD agency or at the telephone number 0800 803803 or where the national preselections take place.

For the grants to the football schools Real Madrid and Galatasaray, preselections take place in Timişoara (May 20-21), Iaşi (May 27-28), Constanţa (June 24-25) and Bucharest (July 1-2). For the tennis school in Roland Garros, preselections take place in Cluj (May 27-28), Braşov (June 10-11), Iaşi (June 24-25) and Bucharest (July 8-9), while for the Bart Conner Gymnastics Academy preselections will be organised in Deva (June 10-11), Oneşti (June 24-25) and Bucharest (July 1-2).

The official regulation of the contest "100 BRD grants for talented children" is available in any BRD as well as by a click here.

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BRD - Groupe Société Générale launched today "Expresso NonStop", the personal loan for unspecified needs, the first personal loan guaranteed with a mortgage offering the possibility to recharge during the reimbursement of the initial loan.The recharge option offers the customer the possibility to obtain new loans, after only one year from the granting of the initial loan, at any time he needs them, in order to benefit from the opportunities or private projects which appeared during the initial loan. The subsequent financing is granted based on the same guarantees as the initial loan, which facilitates the customer's access to a competitive interest rate level. Moreover, for the recharged loans, no commission is charged upon the extension. The amount initially borrowed, as well as the recharged amounts, can have any destination and there is no need to justify the use of the money. The borrowed amounts can rise to maximum 100.000 EUR or 360.000 RON and they can be reimbursed in no longer than 25 years. The reimbursement of the recharged loan can end simultaneously with the reimbursement of the initial loan or earlier, depending on the customer's reimbursement possibilities . The interest rate is of 7,9% for the loans in euros and of 8,5% for the loans in lei.BRD - Groupe Société Générale is the second bank in Romania, with assets superior to EUR 5,4 billion. The bank has over 1,7 million customers and it operates a network of over 320 agencies. BRD has the second market capitalisation with the Bucharest Stock Exchange (approximately EUR 3,6 billion as at end of March 2006).

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BRD - Groupe Société Générale launched today TRADirect - an internet platform for online transactions on the foreign exchange and money markets.
TRADirect offers BRD corporate clients access to firm prices, real-time updates, for foreign exchage and investment dealings. TRADirect users have a large series of products at their disposal : spot, forward and swap dealings for 14 currencies, as well as term deposits in 3 currencies. It is theBRD clients who decide when to carry out the transaction, by a simple click on the quotation listed.
TRADirect is available in three versions : Romanian, English and French. Access is simple, on the basis of a simple internet connection, no need to install. The new service provides a record of dealings as well as a history, and it allows the customized configuration of screens, with the currencies and maturity dates for which real time monitoring of quotations is wanted.
The technology at the basis of the TRADirect internet platform guarantees the security of transactions and data confidentiality, as well as avoidance of unauthorized access, the same technology being used by the Société Générale clients throughout the world.
BRD - Groupe Société Générale is the second bank in Romania, its assets exceed 5,2 billion EUR (at the end of September 2005). The bank has over 1,7 million clients and it operates a network of more than 320 agencies. BRD has the second stock market capitalization at BVB (3,5 billion EUR in February 2006).

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BRD - Groupe Société Générale launched today "Expresso Lejer", a new personal loan available in lei and in euro.
As the name illustrates it, the new product presents a series of innovations, meant to facilitate the clients' access to financing in very advantageous conditions.
Thus, the bank does not collect any charges on credit granting, the maximum credit length being extended to 10 years, and the amount to be borrowed is 10.000 EUR or 40.000 RON.The credit is available without warrantor and a copy of the employment record is not required.
Moreover, the Bank offers particularly attractive interests, 10,9% in lei per year or 9,9% in EUR per year.
The effective yearly interest (DAE) for a 40.000 RON loan contracted for a 10 year period is 13,46%, whereas for a 10.000 euro credit, contracted for the same period, the DAE is 13,69%. Due to the scoring system set up by BRD - Groupe Société Générale, the client receives an immediate answer to the credit request, also having at his disposal the possibility of preliminary telephone agreement, via the Vocalis service (free TelVerde: 0800 804 804 or 021 302 61 61).

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Starting with February 1st, BRD-Groupe Société Générale will lower interests for real estate and mortgage loans, in lei and foreign currency.Thus, the interest for real estate and mortgage loans in euros will lower by 2,1 %, going under 8% p.a. (7,9%), while the interest for loans in lei will decrease by 0,6%, down to 8,9% p.a. Both interest rates are computed and vary function of reference monetary ratios (Bubor 3M for loans in lei and Euribor 3M for loans in euros). At the same time, the bank has improved the credit granting conditions by: widening the range of incomes taken into account, simplifying the procedure of credit disbursement and introducing the refinancing option. BRD-Groupe Société Générale is the second largest Romanian bank, with assets of more than EUR 5,2 billion (as at end September 2005). The bank has over 1,7 million customers and operates a network of over 320 units. BRD has the second capitalisation on the Bucharest Stock Exchange (EUR 3 billion in January 2006).

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BRD-Groupe Société Générale is launching today its E-Commerce BRD service, destined both to cardholders and to accepting traders. E-commerce BRD is offered firstly to traders, utility suppliers or authorities in Romania, holding Internet sites and wishing to make sales over the Internet with payment by cards. They will also be able to accept, on their sites, payment by cards for the supplied goods and services. The cards that will be accepted are VISA and MasterCard issued by any Romanian or foreign bank. The main advantage for traders is the capacity to expand their business by using a new channel of sales in conditions of increased security.E-Commerce BRD is attached free of charge to a range of products including the following cards: BRD Maestro, MasterCard Standard in euros, MasterCard Gold in lei and euros and MasterCard Business in euros. It will be soon available for VISA Classic en lei and USD, VISA Business in lei and USD.Owners of cards issued by BRD-Groupe Société Générale will have the possibility to safely pay for the goods and services ordered on Romanian or foreign Internet sites certified by 3D Secure. E-Commerce BRD relies on 3D Secure standard, the highest security standard for payments by card over the Internet, internationally accepted and promoted by VISA and MasterCard. It guarantees the reduction of the risk of fraud by authenticating the payer upon payment and it guarantees the confidentiality of the cardholder's data.BRD-Groupe Société Générale is the second largest Romanian bank, with assets of more than EUR 5,2 billion (as at end September 2005). The bank has over 1,7 million customers and operates a network of over 320 units. BRD has the second capitalisation on the Bucharest Stock Exchange (EUR 3 billion in January 2006).

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Today, Société Générale Asset Management - BRD SAI launched « Concerto », the first diversified investment fund managed by the company. The « Concerto » fund approaches a balanced investment strategy, its assets being invested in various types of instruments: monetary instruments (deposits and deposit certificates, government bonds etc.), bonds (governmental, municipal and corporate) and shares listed at the Bucharest Stock Exchange. The new investment fund offers the possibility of obtaining increased profitability by assuming an average risk. The recommended period for an investment in this fund is of minimum 3 years. The fund custodian and distributor is BRD - Groupe Société Générale."The aim of the fund is to search to actively increase the collected resources, for which purpose the assets of the fund will be invested on the monetary markets, the bond markets and the share markets. The fund administrator will follow not only to obtain the best possible results, function of its anticipations of the behaviours of the various markets, but, in the investors' interest, it will also follow and maintain an acceptable risk level, taking into account the performance objectives and the administration horizon of the Fund. In this respect, the administrator will apply a prudent asset diversification policy, by permanently maintaining a part of these assets invested in markets deemed to have a low risk level", declared Dan Nicu, CEO of SGAM - BRD SAI.Individual and legal entity investors can subscribe minimum 10 fund units and subsequent subscriptions are possible at any moment by the purchase of at least 1 fund unit. Regarding the repurchase of the fund units, it can take place any time, against payment of a 3% fee if the demand is made before 2 years since the subscription. If the subscriber keeps the fund units for more than 2 years, the repurchase is made without a fee. The fund units can be subscribed at any agency of BRD - Groupe Société Générale in the country. The initial nominal value of the « Concerto » fund unit is of RON 100.« Concerto » is the second investment fund launched by SGAM - BRD SAI, after « Simfonia 1 », a low-risk fund based on investments in monetary instruments. « Simfonia 1 » holds assets of RON 87,4 million at end 2005 and more than 4.200 investors, with a share of 27,4% of the market of mutual funds (OPCVM).SGAM - BRD SAI is the Romanian branch of Société Générale Asset Management Paris, the leader of the French market of OPCVM and the forth asset manager in the euro zone, with managed assets of over EUR 300 billion.

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