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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.
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Q2 2025 earnings summary24 Jul, 2025

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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Frequently asked questions

BNP Paribas SA operates as a diversified bank company worldwide. The company's Global Corporate and Institutional division offers corporate and investment banking; advisory services; stock brokerage, sales, and trading; currency exchange; and structured products, including derivatives, credit-linked notes, interest rate and equities. As one of the leading banks in its core markets in Europe, BNP Paribas provides banking solutions to its clients on a global scale. The bank's mission is to contribute to the development of its clients and customers, as well as partners and society.

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