BRD: despite increased digital engagement, the branch network remained stable at 334 locations over the six months to end-September 2026

In 9M 2026, BRD leveraged its YOU BRD customer base (1.9m users at Sep-26 end) to further increase digital engagement, with e-banking adoption continuing to support higher transaction activity. As a result, 34 million payments have been executed via YouBRD (+22% YoY vs. 9M 2025), amounting to c. RON 54 billion in value (+18% YoY vs. 9M 2025).

In addition, ~70% of YOU BRD users were enrolled in the cashback loyalty program with a cumulative RON 5.3 million cashback granted since its launch in June 2024.

Digital channels continued to gain traction across key customer interactions, including payments, lending and deposits – online unsecured consumer loan production reached 56%, whereas savings and deposits opened in YOU BRD, accounted for 55% of total deposits opened on all channels in 9M 2026.

BRD continued to enhance the YOU BRD digital ecosystem through the rollout of new customer-centric functionalities, including travel insurance for standard cardholders, Click to Pay integration for secure online card payments, and pre-approved Expresso consumer loans available directly within the mobile application.

The bank also expanded its insurance offering with the introduction of RCA insurance in YOU BRD mobile application, strengthened digital onboarding by enabling remote identification and activation using the new electronic identity card (CEI), and introduced State Treasury payment capabilities.

In addition, BRD broadened its RoPay functionality to support a wider range of QR-based payments, including merchant, e-commerce, POS and invoice payments, further enhancing the digital customer experience.

The physical footprint remained stable over the six months, at 334 branches since March 2026 end, with 275 locations offering 24H self service capabilities for cash transactions.

„Against a backdrop of fiscal tightening and an increasingly challenging operating environment, BRD Group delivered resilient performance during the first nine months of 2026. Commercial momentum remained solid, with loan growth of 12% year-on-year, supported by healthy activity across both retail and corporate segments, reflecting the strength of our franchise and customer relationships. BRD continued its strong commitment to sustainable finance, with cumulative sustainable financing already exceeding 2027 ambition.

We further enrich our digital ecosystem, enhancing YOU BRD mobile application with new functionalities designed to improve customer experience and increase engagement. Digital transaction activity maintained its growth momentum, reinforcing the key role of digital channels in our relationship with customers.

Supported by business growth and customer activity, revenues continued to advance, while disciplined cost management and prudent risk oversightfurther backed our performance. Despite a more demanding macroeconomic backdrop, BRD Group delivered a high ROE of 17%, excluding turnover tax, demonstrating the resilience of our business model and the commitment of our teams to creating long-term value for customers and shareholders alike.„, said Maria ROUSSEVA – CEO of BRD Groupe Société Générale.

More details here: BRD Group Results for the First Nine Months of 2026