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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Banco BPI (BPI) investor relations material
Banco BPI H1 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2024 earnings summary31 Jul, 2024
Executive summary
Net profit reached €327M in H1 2024, up 28% year-over-year, driven by gross income growth, low credit risk, and strong domestic and international operations.
Loans grew 2% and total customer resources increased 5% year-over-year, reflecting business expansion.
Recognized as Best Bank, Best Digital Bank, and Best Bank for SMEs by Euromoney in 2024.
Financial highlights
Gross income rose 18% year-over-year to €669M; net interest income up 13% to €492M.
Net fee and commission income increased 14% to €168M; operating expenses remained stable.
Cost-to-income ratio improved to 37%; recurrent ROTE in Portugal reached 19%.
Customer deposits grew 6% year-over-year to €30.4B; total customer resources up 5% to €39.3B.
Cost of credit risk remained low at 0.06%; loan impairments net of recoveries were €4M.
Outlook and guidance
Management emphasizes continued focus on growth, quality, and risk reduction.
Digital transformation and sustainability remain strategic priorities, with 52,000 new app users and 940,000 total digital users.
Maintains high capacity to invest in employees, technology, and innovation, supporting society and vulnerable groups.
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Frequently asked questions
Banco BPI S.A. is a Portuguese financial institution offering a range of banking services to individuals, businesses, and institutional clients. The bank provides personal and corporate banking products, including loans, mortgages, savings accounts, and investment solutions. Banco BPI also offers asset management, insurance, and advisory services. Operating throughout Portugal, Banco BPI is part of the CaixaBank Group. The company is headquartered in Porto, Portugal, and its shares are listed on Euronext Lisbon.
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