BRD Groupe Societe Generale estimates for this year a 2 pc increase of the banking income and a stagnation of operational expenditures, resulting a pretax operational profit exceeding RON 1.6 bln, while provisions will significantly decrease and crediting will advance by 7 pc, to RON 37.1 bln, Mediafax reports. BRD achieved in 2012 a net banking income of RON 2.91 bln, while a marginal increase of 2 pc is equivalent to almost RON 3 bln, with operational expenditures amounting to RON 1.35 bln and will stay at the same level.According to the report on the budget for 2013, which will be debated in the AGA planned for April 18, the bank management estimates that the volume of loans will advance by 7 pc until the end of the year, from RON 34.8 bln to RON 37.1 bln, mainly driven by real estate crediting and the financing granted to companies.BRD anticipates a 3 pc increase of loans to population, to RON 17.4 bln, as consumer crediting will diminish by 4 pc to RON 10.3 bln and the volume of real estate loans will soar to RON 7.1 bln, 15 pc more than last year (RON 6.2 bln). In 2012, BRD increased its real estate crediting by 32 pc, as it was one of the most active banks in the First Home programme. The financing extended to companies will accelerate its increase in 2013 to 10 pc, from 4 pc last year, and will reach RON 19.7 bln.The bank expects an increase of deposits by 11 pc, to RON 35.2 bln, with similar growth rates on both segments. The population’s deposits are expected to reach RON 17.8 bln at the end of the year and those made by companies to RON 17.3 bln.