Profile

Together. This is the word that best describes how we act and manage the relations with our clients and partners. It has the power to express the meaning of team spirit, the most precious value for BRD and the Societe Generale Group. Together we build the future, we give life to successful projects that boost the Romanian economy and create the premises for its future development by assuring jobs and offering national services. During such challenging times, we stand by our clients and make it our objective to council and support them in fulfilling their banking needs and achieving their plans. Now, more than ever, out customers - private clients, small and large companies, professionals - are part of our team of already 8700 people. Together we form a great team, diverse, talented and experienced, who's main goal is to make projects, passions and dreams happen.

First bank in Romania in terms of profitability and network Universal bank with a balanced business model Completely client oriented, because we want to be the reference bank on our markets 932 agencies 8,750 employees in BRD and its subsidiaries Diversified client portofolios

Shareholders

In December, 2011, the shareholding structure was as follows:

THE BOARD

MANAGEMENT COMMITTEE

The Board of Directors establishes the directions of the Bank's activity and supervises its implementation. The members of the Board are elected by the General Assembly of Shareholders, for a renewable 4-years mandate The Management Committee insures, under the coordination of the Chairman & CEO, the strategic management of the Bank, with the assistance of one Co-CEO and five Deputy CEOs. Its members are mandated to manage and coordinate the Bank's daily activity, except for the issues that are incumbent upon the Board of Directors or the General Assembly of the Shareholders. The Management Committee meets once a week.

Our History

1923 The National Company for Industrial Lending is created as a public institution, with the State holding 20% of the share capital, the central bank 30%, and the rest being held by individuals, amongst whom a group of former directors of Marmorosch Blank & Co., the first Romanian modern bank. The mission of this new institution is to finance the first development stages of the industrial sector in Romania. 1948 After World War II, pursuant to the Nationalization Law of June 1948, the National Company for Industrial Lending passes into the property of the State, becoming the Investment Credit Bank. 1957 After the reorganization of the financial system, the Investment Credit Bank obtains a monopoly position for the medium and long term financing of all industrial sectors in Romania, except for the agriculture and food industries. It takes a new name and becomes the Investment Bank. Over this period, the majority of the funds granted by the World Bank are managed through the Investment Bank. 1990 The monopoles that the specialized banks exercise in their specific fields of business are over. The Romanian Bank for Development is set up as a joint venture commercial bank, taking over the assets and the liabilities of the Investment Bank. It is granted a universal banking license. 1998 In December the sale - purchase agreement is signed between Socit Gnrale and the State Ownership Fund, the Romanian organism managing the State holdings) whereby Socit Gnrale subscribes for a 20% increase of the share capital and purchases a stake so that its ownership reaches 51% of the increased share capital of BRD. 1999 The State Ownership Fund sells to the EBRD 4.99% of BRD's share capital. 2001 BRD is listed at the Bucharest Stock Exchange, in the firts tier, becoming in short time one of the most traded company. 2003 Following a rebranding campaign, the Romanian Bank for Development becomes BRD - Socit Gnrale Group. The new brand aims to consolidate the Bank's position and to render the public more aware of the identity of the parent company. 2004 Socit Gnrale purchases the residual shares held by the Romanian State at BRD; its ownership rises from 51% to 58.32%.

Societe Generale Group

Societe Generale is one of the l argest European financial services groups. Based on a diversified universal banking model, the Group combines financial solidity with a strategy of sustainable growth, and aims to be the reference for relationship banking, recognised on its markets, close to clients, chosen for the quality and commitment of its teams.

Around 160,000 employees, based in 77 countries, accompany more than 33 million clients throughout the world on a daily basis. Societe Generale' teams offer advice and services to individual, corporate and institutional customers in three core businesses:

Retail banking in France with the Societe Generale branch network, Credit du Nord and Boursorama International retail banking, with a presence in Central and Eastern Europe, Russia, in the Mediterranean basin, in Corporate and investment banking with a global expertise in investment banking, financing and global markets.

Sub-Saharan Africa, in Asia and in the French Overseas Territories

Societe Generale is also a significant player in specialised financing and insurance, private banking, asset management and securities services. Societe Generale is included in the socially-responsible investment indices FTSE4Good and ASPI . For more information, you can follow us on twitter @societegenerale or visit our website www.societegenerale.com.

Our strategic plan is not to occupy this or that ranking in the market, which does not make much sense in a fragmented, competitive environment such as our own, but to be the reference in our markets. We are not seeking to be present everywhere in the world and for all types of customers. In our targeted locations and areas of expertise, however, our ambition is to be at the forefront of our customers minds. In other words, if a customer, be they an individual or a business, needs a bank for a given service, our goal is that the name Societe Generale springs to mind instantly. It is up to us, then, to show that being a team with them is not a simple calculation but a real promise that we are able to live up to, by putting our skills and energy into action, to provide excellent quality service Fully unlock the Groups growth potential Societe Generales portfolio of activities is unique in that it offers, compared to a large number of peers, significant potential for sustainable and profitable growth. In addition to holding significant competitive advantages, the Group operates in geographies with significant potential going forward. The Group is fully committed to accelerate this growth through more than 50 initiatives involving all its business lines and reflecting the Ambition SG 2015 plan. In a nutshell, Societe Generale aspires to the following accomplishments: Be the benchmark for customer satisfaction in French retail banking, Top 3 in Central and Eastern Europe and Russia, Top 5 position in Europe in Corporate & investment banking, For the Group as a whole, return to profitable and mainly organic growth over the 2009-2015 period. Transform the operational model and strictly control risks Capitalising on the lessons learnt from the crisis, Societe Generale will continue to adapt to the environment and, by focusing on: The improvement of its operational efficiency through the industrialisation of processes and the pooling of resources The development of internal synergies Attracting talents and developing best practices in terms of management A constant and reinforced vigilance on risk control Accelarating the transformation Based on its strengths and with the conviction that a new environment has started to emerge after the summer of 2011, the Group has decided to accelerate and to adapt the execution of its strategic plan. It will therefore be able to meet the new regulatory requirements with a Basel 3 Core Tier 1 well above 9% by the end of 2013 with no capital increase.

when our clients expressed concern we whould say: come and test us