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BNP Paribas (BNP) investor relations material
BNP Paribas Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 reached €3,044m, up 6.1% year-over-year, supporting the >€12.2bn 2025 net profit target.
Revenues grew 5.3% to €12,569m, driven by a diversified business model and strong performance across all divisions.
Integration of AXA IM completed, expected to deliver €550m in synergies by 2029 and add over 50 bps to ROTE by 2028, positioning the group as a top European asset manager.
Solid financial structure with a CET1 ratio of 12.5% and strong liquidity coverage.
Continued focus on cost control and efficiency, with most of the €600m targeted cost savings already implemented.
Financial highlights
Q3 2025 revenues: €12,569m (+5.3% vs. Q3 2024); operating expenses: €7,610m (+5.5%); gross operating income: €4,959m (+4.9%).
Net income, Group share: €3,044m (+6.1%); pre-tax income: €4,284m (+5.5%).
Cost of risk: €905m (39 bps), in line with guidance and trajectory.
CET1 ratio at 12.5%, absorbing a -35 bps impact from AXA IM acquisition.
Net tangible book value per share: €91.2 as of 30.09.25.
Outlook and guidance
Confirms >€12.2bn net profit target for 2025.
ROTE targets: 11.5% in 2025, 12% in 2026, 13% by 2028, and 14% by 2030.
Distribution policy maintained at 60% (50% dividends, 10% share buybacks).
Cost of risk expected to remain below 40 bps.
Jaws effect target of 2.5% for H2 2025 remains in place.
AXA IM synergy realization status?
Global Banking revenue outlook?
Specific credit risk containment?
Basis for confidence in U.S. verdict appeal?
What is the outlook for CET1 ratio beyond 2025?
What is the target cost-income ratio for AXA IM?
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Next BNP Paribas earnings date
CMD 202511 Dec, 2025
Next BNP Paribas earnings date
CMD 202511 Dec, 2025
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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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