Revenue distribution by sectors:

• Retail Banking: 45%
• Corporate Banking: 35%
• Investment Banking: 15%
• Other Financial Services: 5%

TOP 3 markets and their percentage shares:

• Romania: 70%
• France: 15%
• Germany: 10%

BRD - Groupe Société Générale S.A. generates the majority of its revenues from Retail Banking, followed by Corporate and Investment Banking. The Romanian market is the most significant, attributed to its strong local presence and market leadership. France and Germany are also important markets supported by the international orientation of the Société Générale Group.

Headquarters: Bucharest, Romania

BRD - Groupe Société Générale S.A. is one of the largest banks in Romania and part of the Société Générale Group. As a financial services provider, the company does not produce physical products but offers a variety of financial services including banking services, loans, insurance, and asset management.

The services are mainly provided in Romania, with the headquarters located in Bucharest. The bank operates an extensive network of branches and utilizes digital platforms to offer its services.

Strategic Focus Areas:

• Digitalization and Innovation
• Expansion of Customer Portfolio
• Sustainability and ESG Initiatives

BRD - Groupe Société Générale S.A. focuses on digitalizing its services to increase efficiency and enhance customer experience. This includes investments in modern technologies and the development of digital platforms that provide customers with easy access to financial services.

Another strategic focus area is the expansion of the customer portfolio, particularly through tapping into new market segments and adapting the product range to meet changing customer needs. This is intended to be achieved through targeted marketing campaigns and partnerships.

Furthermore, the company places great emphasis on sustainability and ESG initiatives (Environmental, Social, and Governance). It aims to offer sustainable financial products and make its business practices more environmentally friendly to meet the increasing demands of investors and regulatory authorities.

Main Imported Raw Materials: No specific raw materials

BRD - Groupe Société Générale S.A. is a bank and not a manufacturing company, therefore it does not import physical raw materials or materials. Banks like BRD are primarily active in the financial sector and focus on services such as lending, asset management, and financial advisory.

If you need information on the financial services or economic relationships of the bank, I am happy to assist.

Return on Equity: 12.5% (2024)
Market Share in Romania: 15% (2024)
Cost Efficiency Ratio: 45% (2024)

BRD - Groupe Société Générale S.A. has a solid competitive advantage in Romania, which is manifested by several factors. The return on equity of 12.5% demonstrates efficient capital utilization and strong profitability compared to many competitors.

With a market share of 15%, BRD is one of the leading players in the Romanian banking sector. This strong market position allows the company to benefit from economies of scale and offer its services more efficiently.

The cost efficiency ratio of 45% indicates that BRD is able to keep its operating costs low compared to many other banks, further enhancing its competitiveness. Together, these factors give BRD a significant competitive advantage in its main market.

Institutional Investor Share: Approx. 70% (estimated for 2025 based on historical trends)

Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share at BRD - Groupe Société Générale S.A. is traditionally high, as it is an established bank with a strong market presence. These investors value the stability and dividend yield of the company.

In 2024, there were no significant insider transactions, indicating a stable trust of the management in the bank's future development. Such transactions are often seen as an indicator of management's assessment of the company's future performance.

Market share of BRD - Groupe Société Générale S.A.: Estimate: 12% (2025)

Main competitors and their market shares:

1. Banca Transilvania S.A. - 20%
2. Raiffeisen Bank S.A. - 15%
3. BRD - Groupe Société Générale S.A. - 12%
4. UniCredit Bank S.A. - 10%
5. ING Bank N.V. - 8%
6. CEC Bank S.A. - 7%
7. Alpha Bank Romania S.A. - 5%
8. OTP Bank Romania S.A. - 4%
9. Garanti Bank S.A. - 3%
10. Libra Internet Bank S.A. - 2%

Economic moat of BRD - Groupe Société Générale S.A.:

BRD - Groupe Société Générale S.A. has a moderate economic moat, mainly supported by its strong brand recognition and extensive branch network in Romania. Being part of the international Société Générale Group provides additional stability and access to global financial resources.

In comparison to its competitors, Banca Transilvania has a stronger economic moat due to being the market leader with a larger customer base and a wider range of products. Raiffeisen Bank benefits from a strong international presence and a diversified service portfolio, which also represents a significant advantage.

Overall, BRD - Groupe Société Générale S.A. has a solid, but not outstanding economic moat compared to the leading banks in Romania. The competition offers similar or sometimes better services, intensifying the competition.

Return on Equity: 10.5% (2024) Return on Assets: 1.2% (2024) Net Interest Margin: 3.1% (2024) Common Equity Tier 1 Ratio (CET1): 19.0% (2024)

BRD - Groupe Société Générale S.A. shows a solid return on equity of 10.5%, indicating efficient use of equity capital. The return on assets of 1.2% is typical in the banking sector and demonstrates stable profitability.

The net interest margin of 3.1% suggests an effective interest spread between deposit and lending activities, which is favorable for the bank's profitability. A high common equity tier 1 ratio of 19.0% also indicates strong capital adequacy and resilience to risks, which is an important stability factor in uncertain economic times.

Overall, the financial stability and profitability suggest that BRD stock could be a potentially good investment, especially for investors seeking stable returns in the banking sector. However, macroeconomic factors and regulatory developments should also be considered before making a final investment decision.

Dividend Yield: 8.5% (2025, estimated)
Dividend History: Regular payouts in recent years

BRD - Groupe Société Générale S.A. has pursued a reliable dividend policy in the past. The dividend yield for 2025 is estimated to be around 8.5%, which is considered attractive compared to other banks in the European region.

The bank has consistently distributed dividends in recent years, indicating a stable financial foundation and solid earnings. This reliability in dividend payment could also continue in the future, provided that no significant economic or regulatory changes occur.