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BNP Paribas (BNP) investor relations material
BNP Paribas Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Strong Q2 and H1 2025 results with revenue growth across all divisions, robust cost control, and net income for 2025 expected to exceed €12.2bn, driven by H2 acceleration and operational efficiency.
Interim dividend of €2.59/share to be paid in September 2025; share buyback of €1.08bn–€1.8bn completed in June.
Integration of AXA IM underway after July 2025 acquisition, expected to boost IPS growth and synergies.
Net income for H1 2025 was €6,209m, down from €6,498m in H1 2024; EPS at €5.18.
Financial highlights
Group revenues up 2.5% year-over-year in Q2 2025, reaching €12,581m; H1 revenues at €25,541m.
Net profit down 4% year-over-year in Q2 due to higher tax rate; cost of risk at 38bps, within guidance.
Gross operating income rose to €10,052m in H1 2025; operating expenses increased 0.8% to €7,232m in Q2.
CET1 ratio stable at 12.5% as of June 30, 2025; LCR at 136%.
Total equity at June 30, 2025, was €131,640m.
Outlook and guidance
Net profit for 2025 expected above €12.2bn, with H2 revenue growth >5% (excluding AXA IM); 2024–2026 trajectory confirmed with >5% revenue CAGR, >7% net income CAGR, >8% EPS CAGR, and average annual jaws effect of +1.5 pts.
Return on tangible equity targeted at 11.5% in 2025 and 12% in 2026, with ambition to reach 12.3% by 2028.
Commercial banks in Eurozone expected to deliver >3% revenue growth in 2025, with further NII acceleration in H2.
€600m annual cost savings targeted for both 2025 and 2026; €380m achieved in 1H25.
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