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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.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.
Detail contaging portfolio disposal options
Beyond dividends, how use excess capital?
What drives varied geographic loan book growth?
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Q3 202510 Nov, 2025
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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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