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BNP Paribas
BNP Paribas (BNP) investor relations material
BNP Paribas Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved record fourth quarter and full-year 2025 with strong operating performance, sharp rise in net income, and all divisions contributing positively.
Revenue growth driven by a diversified and integrated business model, with strategic plans focused on profitability, efficiency, and digital transformation, including AI and sustainability initiatives.
Cost control and efficiency measures resulted in a positive jaws effect and improved cost-income ratio.
2026 trajectory confirmed and 2028 ROTE target raised to above 13%, with improved cost/income ratio guidance.
Major transformation plan for support functions launched, leveraging AI and standardization.
Financial highlights
4Q25 revenues: €13,113m (+8.0% vs. 4Q24); 2025 revenues: €51,223m (+4.9% vs. 2024).
4Q25 net income: €2,972m (+28.0% vs. 4Q24); 2025 net income: €12,225m (+4.6% vs. 2024).
Gross operating income up 13.3% in 4Q25 and 6.5% for 2025.
Cost of risk at 34 bps in 4Q25, in line with guidance.
EPS for 2025: €10.29 (+7.5% vs. 2024); total dividend: €5.16 (+7.7%).
Outlook and guidance
2026 targets: ROTE 12%, net income CAGR >7% (2024–2026), EPS CAGR >8%, revenue CAGR >5%, cost of risk <40 bps.
2028 targets: ROTE >13%, cost/income ratio <56%, net income CAGR >10% (2025–2028), CET1 ratio 13%.
Distribution policy confirmed at 60% for 2026 and from 2027, with surplus CET1 above 13% to be distributed annually.
Additional €600m in recurring cost savings planned for 2026, with total savings of €3.5bn by 2026.
Focus on AI and digital transformation to drive operational efficiency and support future plans.
Detail support function transformation plan impact
AXA IM integration: synergy progress
How will surplus CET1 be distributed from 2027?
How does the new support functions plan differ from past cost savings?
What are the implications of FRTB uncertainty on CET1 target?
What drives CPBS's >5% revenue growth beyond loan volumes?
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Next BNP Paribas earnings date
Q1 202630 Apr, 2026
BNP Paribas
Next BNP Paribas earnings date
Q1 202630 Apr, 2026
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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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