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Find out more »Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
Find out more »Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
Find out more »Administration availability of customer accounts to their instructions - financial instruments operations or cash.
Find out more »Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
Find out more »News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
Find out more »is an online cultural publication that shapes the portrait of the new generation of creators
Find out more »is an editorial project dedicated to the pre-university education created by DoR and BRD
Find out more »Find here our mass media contacts
Find out more »We invest in culture because we need leaders and projects to remind us where we come from, who we are and where we are heading to.
Find out more »We strongly believe that the main driver for a higher performance of the education system is the quality of teachers. That’s why our majors programs are focussing on developping teachers’ skills.
Find out more »We love sports because they provide us with an exciting journey with some beautiful moments, heroes who win, attract new fans or, on the contrary, struggle with difficult moments.
Find out more »Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
Find out more »Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
Find out more »12 Feb 2013
The main financial ratios of BRD-Groupe Societe Generale as at December 31, 2012 at stand alone level, according to the International Financial Reporting Standards:
Throughout 2012, the bank performed in a still difficult economic environment, characterised by a low level of confidence that affected consumption, a feeble external demand that held back exports and a weak performance of agriculture, with a below average harvest.
The economic difficulties mirrored in the activity of the banking sector, with gross loans volume contracting by 0.1% (*) . Gross loans to individuals shrank by 1.5% (*) , due to the 6.2% (*) decline in consumer loans volumes. At the same time, companies limited their investments, bringing a negative impact in the demand for credit.
The 2012 credit activity of the bank was mainly supported by housing loans and the financing of large corporate customers. Loans to individuals grew by 2.4% (*) at end 2012, driven by the robust production of housing loans in the framework of "Prima Casa" program. Corporate loans went up 2.5% (*) compared to 2011, triggered by a more intense financing activity of the large corporate customers. On corporate clients' segment, RON-denominated loans have been favored with a 6.0% (*) increase in outstanding amounts compared to 2011. As a result the market shares of the bank on loans increased by respectively 0.6 points on individual customers and 0.2 points on corporate customers.
2012 was also characterized by a dynamic growth of the customers' deposits (+4.1% (*) ), with a reorientation on longer tenors.
During 2012 the bank managed to diversify its funding sources and materially improved its L/D ratio from 103.6% to 98.7% at the end of 2012 (-4.9 pts).
The net banking income is down by 6.1% compared to 2011, mainly influenced by the decline of the net interest margin, which was impacted by adverse interest rates and structure effects.
In this context, BRD focused on enhancing its operational efficiency and reduced its operational expenses by 2.4%. The cost/income ratio remained in 2012 well below 50%, at 46.5%.
The net cost of risk increased by 61.6% versus 2011, to 1.938 billion RON, due to the deteriorated macroeconomic environment and the implementation, starting with the second quarter of 2012, of a more precautionary methodology of collateral valuation.
The level of the cost of risk affected the net result, which came out at -332 RON million.
''Our 2012 financial performance was affected by the deterioration of the cost of risk, in a difficult environment. But the solidity of our business model is not called into question and we have clear strategic orientations for 2013 and beyond. We will focus on further reinforcing our risk procedures and policies as well as enhancing our operational efficiency, while continuing to make the necessary investments to ensure our future commercial development, so as to be able to restore an adequate level of profitability'', said Philippe Lhotte, BRD Chairman and CEO.
BRD-Groupe Societe Generale had, as at end 2012, more than 2.3 million clients . At the same date, BRD had more than 2.2 million valid cards and operated a network of over 1,500 ATMsand approximately 21,000 POSs . The total assets of the bank as at end 2012 amounted to RON 47.924 billion.
The preliminary financial statements as well as the press conference presentation are available to the public and investors on the website of the bank: www.brd.ro. Copies of the documents can also be obtained upon request, free of charge, at the head office of BRD-Groupe Societe Generale, located at 1-7 Ion Mihalache Bd., 1 st district, Bucharest.
(*) Variations at constant foreign exchange rate.
BRD-Groupe Societe Generale is the second bank in Romania in terms of total assets. BRD is part of the Societe Generale Group, one of the largest European financial services groups. The group has 160,000 employees and 33 million clients throughout the world, in three core businesses:
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We would like to remind you that BRD - Groupe Societe Generale has not requested and will never ask any of your authentication data (user code, password or password token) or confidential information related to your card (card number, expiration date, security code or PIN) by phone, nor e-mail or SMS.
These confidential data will be used only for the internet banking authentication or for online payments.
At the same time, if you notice a different appearance of the usual MyBRD Net application (ex. A notification message that the page is unavailable and you are invited to log in again, or to sync your token device), please stop the authentication process immediately and contact as soon as possible through MyBRD Contact tel: 021 302 6161.
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