BRD Groupe Societe Generale S A : Excel -Financial Statements as at September 30, 2022

BS

BRD - Groupe Société Générale S.A.
CONSOLIDATED AND SEPARATE STATEMENT OF FINANCIAL POSITION
amounts in thousands RON
Group	Bank
Unaudited (*)	Unaudited (*)
September 30, 2022	December 31, 2021	September 30, 2022	December 31, 2021
ASSETS
Cash in hand and due from Central Bank	6,786,543	6,206,356	6,786,477	6,206,323
Due from banks	7,191,100	4,537,941	7,175,282	4,521,357
Derivatives and other financial instruments held for trading	1,374,470	2,274,924	1,354,129	2,274,924
Financial assets available for sale	- 0	- 0	- 0	- 0
Financial assets at fair value through profit and loss	13,739	6,947	7,791	6,947
Financial assets at fair value through other comprehensive income	14,079,229	19,863,825	14,079,229	19,863,825
Financial assets at amortised cost	37,574,905	32,913,875	36,878,869	32,183,856
Loans, gross	37,911,155	34,668,675	37,155,708	33,853,032
Impairment allowance for loans	(1,734,275)	(1,754,800)	(1,674,864)	(1,669,176)
Loans and advances to customers	36,176,880	32,913,875	35,480,844	32,183,856
Treasury bills at amortised cost	1,398,025	- 0	1,398,025	- 0
Finance lease receivables	1,371,372	1,222,595	- 0	- 0
Investments in subsidiaries, associates and joint ventures	107,288	107,205	159,087	158,916
Property, plant and equipment	1,032,731	1,072,099	1,015,195	1,051,254
Investment property	15,863	16,312	15,863	16,312
Goodwill	50,130	50,130	50,130	50,130
Intangible assets	360,881	321,063	359,264	319,656
Current tax asset	- 0	7,484	- 0	7,484
Deferred tax asset	558,438	180,089	545,057	166,173
Other assets	646,122	271,256	525,802	176,910
Non-current assets held for sale	10,946	11,196	10,946	11,196
Total assets	71,173,757	69,063,297	68,963,121	67,015,263
LIABILITIES AND SHAREHOLDERS' EQUITY
Due to banks	735,453	156,810	735,453	156,810
Derivatives and other financial instruments held for trading	764,233	498,651	764,233	498,651
Due to customers	55,158,255	52,683,581	55,316,544	52,917,886
Borrowed funds	5,677,460	4,056,470	3,793,031	2,230,572
Subordinated debts	1,238,564	495,022	1,238,564	495,022
Current tax liability	53,630	83,963	49,729	79,979
Deferred tax liability	- 0	- 0	- 0	- 0
Provisions	373,105	383,185	363,199	374,745
Other liabilities	864,076	826,710	742,843	722,260
Total liabilities	64,864,776	59,184,392	63,003,596	57,475,925
Share capital	2,515,622	2,515,622	2,515,622	2,515,622
Other reserves	(2,383,388)	(385,380)	(2,383,388)	(385,380)
Retained earnings and capital reserves	6,116,181	7,690,955	5,827,291	7,409,096
Non-controlling interest	60,566	57,708	- 0	- 0
Total equity	6,308,981	9,878,905	5,959,525	9,539,338
Total liabilities and equity	71,173,757	69,063,297	68,963,121	67,015,263

PL

BRD - Groupe Société Générale S.A.
CONSOLIDATED AND SEPARATE INCOME STATEMENT
amounts in thousands RON
Group	Bank
Unaudited (*)	Unaudited (*)
Nine months ended September 30, 2022	Nine months ended September 30, 2021	Nine months ended September 30, 2022	Nine months ended September 30, 2021
Interest from loans and financial leases	1,620,790	1,232,885	1,509,725	1,119,875
Interest from deposits with banks	31,950	14,955	31,474	14,468
Interest from treasury bonds	388,691	387,129	388,691	387,129
Interest income from hedging instruments	9,177	13,653	9,177	13,653
Interest and similar income	2,050,608	1,648,622	1,939,067	1,535,125
Interest on deposits	(244,370)	(92,061)	(247,278)	(93,275)
Interest on borrowings and other debts	(76,159)	(16,448)	(61,202)	(8)
Interest expense on lease liabilities	(3,719)	(3,404)	(3,623)	(3,303)
Interest expense from hedging instruments	(1,970)	- 0	(1,970)	- 0
Interest and similar expense	(326,218)	(111,913)	(314,073)	(96,586)
Net interest income	1,724,390	1,536,709	1,624,994	1,438,539
Fees and commission income	834,690	791,149	801,960	756,784
Fees and commission expense	(259,347)	(226,683)	(252,571)	(220,557)
Fees and commissions, net	575,343	564,466	549,389	536,227
Gain on derivative, other financial instruments held for trading and foreign exchange	227,809	188,711	226,218	188,201
Gain from financial instruments at fair value through other comprehensive income	2,415	11,960	2,415	11,960
Gain from financial instruments at fair value through profit and loss	2,019	7,685	2,214	7,349
Net (loss)/Income from associates and joint ventures	(1,040)	8,966	(952)	3,349
Other income/(expense) from banking activities	10,110	(4,509)	44,647	7,990
Total non-interest income	241,313	212,813	274,542	218,849
Net banking income	2,541,046	2,313,988	2,448,925	2,193,615
Personnel expenses	(648,981)	(616,855)	(609,892)	(573,782)
Depreciation, amortisation and impairment on tangible and intangible assets	(170,557)	(179,476)	(166,450)	(173,099)
Contribution to Guarantee Scheme and Resolution Fund	(69,171)	(49,390)	(69,171)	(49,390)
Other operating expenses	(387,218)	(352,445)	(361,980)	(328,687)
Total operating expenses	(1,275,927)	(1,198,166)	(1,207,493)	(1,124,958)
Gross operating profit	1,265,119	1,115,822	1,241,432	1,068,657
Cost of risk	(36,898)	41,696	(44,744)	46,398
Operating profit	1,228,221	1,157,518	1,196,688	1,115,055
Profit before income tax	1,228,221	1,157,518	1,196,688	1,115,055
Current tax expense	(210,529)	(228,012)	(197,402)	(217,315)
Deferred tax income/(expense)	(2,114)	(9,163)	(1,579)	(11,367)
Total income tax	(212,643)	(237,175)	(198,981)	(228,682)
Profit for the period	1,015,578	920,343	997,707	886,373
Profit attributable to equity holders of the parent	1,004,744	910,328	- 0	- 0
Profit attributable to non-controlling interests	10,834	10,015	- 0	- 0
Basic earnings per share (in RON)	1.44	1.31	1.43	1.27