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BFF Bank (BFF) investor relations material

BFF Bank Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary5 Aug, 2025

Executive summary

  • Adjusted net profit for 1H 2025 reached €75.3 million, up 6% year-over-year, with Q2 profit up 37% year-over-year, reflecting strong business momentum.

  • Factoring & Lending profit before tax rose 21% year-over-year; loan book hit a record €5.9 billion (+5% YoY), with volumes up 10% year-over-year.

  • Off-balance sheet reserves grew by €93 million year-over-year to €561 million, supporting future profitability.

  • Transaction service deposits increased €1.7 billion (+31% YoY), contributing to a loan-to-deposit ratio of 67%.

  • Past due portfolio reduced by 10% versus YE24, with significant legal activity and ECHR appeals on NPLs.

Financial highlights

  • Total revenues for 1H 2025 were €347.7 million; adjusted net income increased 6% YoY to €75.3 million.

  • Factoring & Lending division's PBT up 21% YoY; Securities Services PBT up 43% YoY.

  • Loan book at €5.9 billion (+5% YoY); volumes at €4.2 billion (+10% YoY).

  • Cost of risk at 4.6 bps, in line with historical averages; NPE stock down €173 million since YE24.

  • Cost/income ratio rose to 48% from 46% YoY, mainly due to IT investments.

Outlook and guidance

  • Management expects acceleration in past due portfolio reduction in H2, with legal actions supporting collections.

  • Full-year adjusted net profit consensus of €175–180 million seen as consistent with business plan; Q4 typically stronger.

  • Dividend policy confirmed at 12% CET1 target, subject to regulatory approval and Bank of Italy ban removal.

  • Deposit gathering in Greece fully operational from July 2025, expanding funding base.

  • Eurozone statutory Late Payment Interest rate decreased from 11.15% to 10.15% from July 2025, following ECB rate cuts.

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Frequently asked questions

BFF Bank S.p.A.,is a financial services provider with a focus on the public sector. It specializes in the management and non-recourse factoring of trade receivables due from public administrations, along with offering securities services, banking, and corporate payments. The company operates in a diverse range of European countries, including Italy, Croatia, Czech Republic, France, Greece, Poland, Portugal, Slovakia, and Spain. The company's service portfolio encompasses factoring & lending, securities services, and payment services. BFF Bank S.p.A. is listed on the Milan Stock Exchange.

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