By Helgi Library - March 24, 2021
BRD Groupe Societe Generale's capital adequacy ratio reached 26.2% at the end of third quarter of 2020, A PHP Error was encountered S...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale's capital adequacy ratio reached 26.2% at the end of third quarter of 2020, A PHP Error was encountered S...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale's non-performing loans reached 4.40% of total loans at the end of 2020-06-30, A PHP Error was encountered ...
| Profit Statement | Jun 2020 | Sep 2020 | Dec 2020 | |
| Net Interest Income | RON mil | 495 | 518 | 527 |
| Net Fee Income | RON mil | ... | ... | ... |
| Other Income | RON mil | ... | ... | ... |
| Total Revenues | RON mil | 727 | 816 | 608 |
| Staff Cost | RON mil | 201 | 205 | 216 |
| Operating Profit | RON mil | 346 | 435 | 208 |
| Provisions | RON mil | 158 | 35.6 | 99.4 |
| Net Profit | RON mil | 172 | 322 | 230 |
| Balance Sheet | Jun 2020 | Sep 2020 | Dec 2020 | |
| Interbank Loans | RON mil | 7,007 | 5,954 | 5,517 |
| Customer Loans | RON mil | 29,976 | 30,157 | 29,643 |
| Investments | RON mil | 15,166 | 17,392 | 18,447 |
| Total Assets | RON mil | 60,308 | 61,211 | 63,558 |
| Shareholders' Equity | RON mil | 8,683 | 9,259 | 9,772 |
| Interbank Borrowing | RON mil | 1,392 | 829 | 799 |
| Customer Deposits | RON mil | 47,557 | 48,067 | 49,958 |
| Issued Debt Securities | RON mil | 1,693 | 1,742 | 1,742 |
| Ratios | Jun 2020 | Sep 2020 | Dec 2020 | |
| ROE | % | 8.18 | 14.4 | 9.68 |
| ROA | % | 1.15 | 2.12 | 1.48 |
| Costs (As % Of Assets) | % | 2.55 | 2.51 | 2.57 |
| Costs (As % Of Income) | % | 52.3 | 46.7 | 65.8 |
| Capital Adequacy Ratio | % | ... | 26.2 | ... |
| Net Interest Margin | % | 3.32 | 3.41 | 3.38 |
| Loans (As % Of Deposits) | % | 63.0 | 62.7 | 59.3 |
| NPLs (As % Of Loans) | % | 4.40 | ... | ... |
| Provisions (As % Of NPLs) | % | 124 | ... | ... |
| Valuation | Jun 2020 | Sep 2020 | Dec 2020 | |
| Market Capitalisation | USD mil | 1,873 | 2,179 | 2,601 |
| Number Of Shares | mil | 697 | 697 | 697 |
| Share Price | RON | 11.6 | 13.0 | 14.9 |
| Price/Earnings (P/E) | 11.7 | 7.04 | 11.2 | |
| Price/Book Value (P/BV) | 0.928 | 0.978 | 1.06 | |
| Earnings Per Share (EPS) | RON | 0.986 | 1.85 | 1.32 |
| Book Value Per Share | RON | 12.5 | 13.3 | 14.0 |
Get all company financials in excel:
| income statement | Unit | Nov 2024 | Dec 2020 |
| income statement | |||
| Interest Income | RON mil | ... | |
| Interest Cost | RON mil | ... | |
| Net Interest Income | RON mil | ... | |
| Net Fee Income | RON mil | ... | ... |
| Fee Income | RON mil | ... | |
| Fee Expense | RON mil | ... | ... |
| Other Income | RON mil | ... | ... |
| Total Revenues | RON mil | ... | |
| Staff Cost | RON mil | ... | |
| Operating Cost | RON mil | ... | |
| Operating Profit | RON mil | ... | |
| Provisions | RON mil | ... | |
| Extra and Other Cost | RON mil | ... | |
| Pre-Tax Profit | RON mil | ... | |
| Tax | RON mil | ... | |
| Minorities | RON mil | ... | |
| Net Profit | RON mil | ... | |
| Net Profit Avail. to Common | RON mil | ... | |
| growth rates | |||
| Net Interest Income Growth | % | ... | |
| Net Fee Income Growth | % | ... | ... |
| Total Revenue Growth | % | ... | |
| Operating Cost Growth | % | ... | |
| Operating Profit Growth | % | ... | |
| Pre-Tax Profit Growth | % | ... | |
| Net Profit Growth | % | ... |
| ratios | Unit | Nov 2024 | Dec 2020 |
| ROE | % | ... | |
| ROTE | % | ... | |
| ROA | % | ... | |
| Return on Loans | % | ... | |
| Costs (As % Of Assets) | % | ... | |
| Costs (As % Of Income) | % | ... | |
| Costs (As % Of Loans) | % | ... | |
| Costs (As % Of Loans & Deposits) | % | ... | |
| Capital Adequacy Ratio | % | ... | ... |
| Tier 1 Ratio | % | ... | ... |
| Net Interest Margin | % | ... | |
| Interest Spread | % | ... | |
| Asset Yield | % | ... | |
| Cost Of Liabilities | % | ... | |
| Payout Ratio | % | ... | |
| Interest Income (As % Of Revenues) | % | ... | |
| Fee Income (As % Of Revenues) | % | ... | ... |
| Other Income (As % Of Revenues) | % | ... | ... |
| Staff Cost (As % Of Total Cost) | % | ... | |
| Equity (As % Of Assets) | % | ... | |
| Equity (As % Of Loans) | % | ... | |
| Loans (As % Of Deposits) | % | ... | |
| Loans (As % Assets) | % | ... | |
| NPLs (As % Of Loans) | % | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... |
| Provisions (As % Of Loans) | % | ... | ... |
| Cost of Provisions (As % Of Loans) | % | ... |
| other data | Unit | Nov 2024 | Dec 2020 |
| Branches | ... | ... | |
| Employees | ... | ... | |
| Employees Per Bank Branch | ... | ... | |
| Cost Per Employee | USD per month | ... | ... |
| Cost Per Employee (Local Currency) | RON per month | ... | ... |
| customer breakdown | Unit | Nov 2024 | Dec 2020 |
| Customers | mil | ... | |
| Number of Primary Customers | mil | ... | |
| Payment Cards | mil | ... | |
| Debit Cards | mil | ... | |
| Credit Cards | mil | ... | |
| Number of Consumer Loans | mil | ... | |
| Average Size of Consumer Loan | RON | ... | ... |
| Primary (As % of Total Clients) | % | ... | |
| Consumer Loans (As % of Total Clients) | % | ... | |
| Payments Cards (As % of Total Clients) | % | ... | |
| Debit Cards (As % of Total Clients) | % | ... | |
| Credit Cards (As % of Total Clients) | % | ... | |
| Market Value per Customer (Local Currency) | RON | ... | |
| Revenue per Customer (Local Currency) | RON | ... | |
| Net Profit per Customer (Local Currency) | RON | ... | |
| Loan per Customer (Local Currency) | RON | ... | |
| Deposit per Customer (Local Currency) | RON | ... | |
| Market Value per Customer | USD | ... | |
| Revenue per Customer | USD | ... | |
| Net Profit per Customer | USD | ... | |
| Loan per Customer | USD | ... | |
| Deposit per Customer | USD | ... |
Get all company financials in excel:
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale's non-performing loans reached 4.40% of total loans at the end of 2020-06-30, A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php(418) : eval()'d code Line Number: 50 up from com...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale employed 7,202 persons in 2020-06-30, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 8,346 persons in 2015-06-30 and an all time low of 7,202 in 2020-06-30. Average cost reached US...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale employed 7,202 persons in 2020-06-30, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 8,346 persons in 2015-06-30 and an all time low of 7,202 in 2020-06-30. Average cost reached US...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale made a net profit of RON 230 mil under revenues of RON 608 mil in the fourth quarter of 2020, down 15.6% and 22% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of ...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale made a net profit of RON 230 mil under revenues of RON 608 mil in the fourth quarter of 2020, down 15.6% and 22% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of ...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale made a net profit of RON 230 mil in the fourth quarter of 2020, down 15.6% when compared to the same period of last year. This implies a return on equity of 9.68%. Historically, the bank’s net profit reached an all time high of RON 486...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale made a net profit of RON 230 mil in the fourth quarter of 2020, down 15.6% when compared to the same period of last year. This implies a return on equity of 9.68%. Historically, the bank’s net profit reached an all time high of RON 486...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale's loans reached RON 31,702 mil in the second quarter of 2020, down from when compared to the previous quarter and up from RON 31,434 mil when compared to the same period of last year. Historically, the bank’s loans reach...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale's loans reached RON 31,702 mil in the second quarter of 2020, down from when compared to the previous quarter and up from RON 31,434 mil when compared to the same period of last year. Historically, the bank’s loans reach...
By Helgi Library - March 24, 2021
BRD Groupe Societe Generale's net interest margin amounted to 3.38% in the fourth quarter of 2020, down from 3.41% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.36% in 3Q2019 and an all time...
BRD – Groupe Société Générale (BRD), is the second largest Romanian bank. French Société Générale holds a majority stake of 59.4% in the bank. BRD was rebranded after SG bought Banca Română pentru Dezvoltare (Romanian Development Bank) from the Romanian State in 1999. BRD offers a traditional set of banking products and services from the area of retail, corporate as well investment banking and insurance serving individuals, small companies as well as large companies. At the end of 2012, the Bank had nearly 2.2 mil retail and some 135,000 corporate clients and operated 915 branches. BRD was founded in 1990 as a commercial bank by taking over assets of the former Investment Bank of Romania
BRD Groupe Societe Generale has been growing its revenues and asset by -1.68% and 2.50% a year on average in the last 10 years. Its loans and deposits have grown by -0.837% and 4.59% a year during that time and loans to deposits ratio reached 59.3% at the end of 2020. The company achieved an average return on equity of 8.75% in the last decade with net profit growing -0.451% a year on average. In terms of operating efficiency, its cost to income ratio reached 51.3% in 2020, compared to 48.7% average in the last decade.
Equity represented 15.4% of total assets or 33.0% of loans at the end of 2020. BRD Groupe Societe Generale's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2020.
BRD Groupe Societe Generale stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 16.8% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 10.8x and price to book value (PBV) of 1.06x in 2020.
Helgi Library 
