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BFF Bank (BFF) investor relations material
BFF Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Adjusted net profit for the first nine months of 2025 reached €118.1m, up 14% year-over-year, with 3Q25 adjusted net profit up 33% year-over-year.
Record loan book of €5.8bn (+8% YoY) and volumes of €6.3bn (+11% YoY), with Italy volumes up 16% YoY.
Bank of Italy lifted bans, enabling return to normal operations, including dividends, share buybacks, and employee incentives.
Ample liquidity with loan/deposit ratio at 73% and CET1 ratio at 13.4%, €108m above target.
New medium-term plan and targets to be communicated in 2026.
Financial highlights
Group profit before tax rose 13% YoY, driven by Factoring & Lending (+15% YoY), while Payments declined 7% YoY and Securities Services grew 42% YoY.
Total net revenues at €589.3m (+14% YoY); cost/income ratio improved to 46%.
Transaction Services deposits increased 25% YoY, offsetting a 47% decline in online deposits.
Bond portfolio mark-to-market gain of €40.5m, up €56m YoY.
Cost of funding fell 29% YoY to €212.0m.
Outlook and guidance
Return to normalized environment with dividends based on FY25 adjusted results and share buybacks.
New medium-term targets to be communicated with the 2026 strategic plan.
Focus on capital generation and RWA reduction through past due collection.
Three-year organic international growth plan approved, including expansion into France and Luxembourg.
Dividend policy updated, with CET1 reference level for dividends raised to 13.0%; cumulated dividends to 2026 expected to be €50m–€70m lower than previously targeted.
Securitization scope and RWA reduction potential
French market potential beyond initial estimates
Injunctions' expected impact on past due reduction
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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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