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BFF Bank
BFF Bank (BFF) investor relations material
BFF Bank Investor update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor update summary2 Feb, 2026
Leadership and governance changes
CEO steps down after 12 years, remains on the board as non-executive member; new General Manager appointed with full powers.
Management team is working on a new strategic plan, with further strengthening expected, including a new CFO.
Factoring portfolio review and de-risking actions
Comprehensive internal review of the factoring portfolio led to decisive de-risking actions, including a €95 million one-off pre-tax charge in 2025 and a reduction in non-performing exposures.
€72.2 million provision for negative court rulings on Italian public sector receivables, mostly under appeal.
Review identified operational errors in cash allocations totaling €54 million, resulting in a €14 million reduction in 2024 bank equity.
Provisions cover about €400 million of receivables, with a conservative approach to future negative court rulings.
€22.4 million provision for increased estimated collection time of late payment interests.
Financial guidance and targets
2025 Adjusted Net Income is expected at €150 million (up 5% YoY), with Adjusted ROE at 23% and CET1 ratio between 13.2% and 13.7%.
2025 Reported Net Income is projected at €70 million, reflecting the impact of one-off charges.
2026 Adjusted Net Income target revised to €160 million (from €240 million), EPS to €0.8 (from €1.3), cost/income ratio to below 50% (from below 40%), and ROTE to 24% (from over 40%).
Guidance revision reflects more conservative assumptions, portfolio clean-up, and ongoing legal and operational adjustments.
Business remains structurally solid, profitable, and positioned for continued earnings growth and capital generation.
Detail drivers for revised 2026 financial targets
Update on potential securitization progress
When will off-balance revenues be recognized?
Clarify long-term management structure
Key assumptions for revised 2026 net income
Securitization timeline and contingency plan
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Next BFF Bank earnings date
Q4 202510 Feb, 2026
BFF Bank
Next BFF Bank earnings date
Q4 202510 Feb, 2026
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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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