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Bpifrance's 2025 Results: Confirmed Financial Robustness
Bpifrance announced net income of €501 million for 2025, with total value creation of €1.3 billion. Net banking income (NBI) reached €1.8 billion, a 14% decrease compared to 2024. This decline is primarily due to lower dividends from Stellantis and contributions from the Fund of Funds. Despite this, net interest margins remain in line with expectations.
Operating expenses followed activity levels, maintaining a stable cost-to-income ratio of around 48% for the banking sector. Bpifrance maintained a cost of risk of 34 basis points, demonstrating the quality of its loan portfolio. The group's equity increased by 7%, reaching €30 billion.
The CET1 ratio stands at 26.57%, well above regulatory requirements, while the LCR liquidity ratio reaches 372%, reinforcing the bank's financial strength.
R. H.
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