BRD is a strong bank with nearly 100 years of tradition of Romania. With our more than 6,600 employees in a network counting more than 500 units across the country, we stand by our clients, be they young, seniors, companies, employees or entrepreneurs. BRD Groupe Societe Generale is the thirdlargest bank in Romania by assets and the fifth market capitalization on the Bucharest Stock Exchange. As a successor of the National Company for Industrial Credit, created in 1923, it fulfilled the function of investment bank for the Romanian State before being granted, in 1990, a universal banking license. In 1999, Societe Generale became the majority shareholder of the bank, helping it become a major player of the Romanian banking market. BRD has 2.3 million customers on three main business lines: retail and SMEs, large corporations and investment banking. Its range of products and services covers, beyond classic financing, also cash management, internal and external factoring, financial and operational leasing. Since 1999, BRD has created around it a financial group which offers, in cooperation with Societe Generale business lines, expertise in: •investment banking, mergers and acquisitions or structured finance, •asset management (BRD Asset Management), •consumer loans (BRD Finance), •financial leasing (BRD Sogelease) •operational leasing (ALD Automotive) BRD is also present on the market of private pensions and life insurance through its subsidiaries BRD Pensii and BRD Asigurări de Viaţă. BRD is the Romanian market leader in syndicated loans and factoring.