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BFF Bank
BFF Bank (BFF) investor relations material
BFF Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Feb, 2026
Executive summary
Adjusted Net Profit increased 6% year-over-year, reflecting strong balance sheet management, growth across diversified businesses, and decisive de-risking actions.
New General Manager appointed to lead the next strategic cycle and deliver 2026 financial targets.
No 2025 dividend will be proposed to reinforce de-risking and support future value creation.
New Strategic Plan to be presented in the second half of 2026.
Financial highlights
Adjusted Net Profit: €151.7m, up 6% YoY; Adjusted ROE at 23%; CET1 ratio at 14.1%, with c. 300bps organic capital generation YoY.
Net revenues rose 1% YoY to €405.3m; operating expenses increased slightly due to investments and inflation.
Transaction Services deposits grew 15% YoY to €6.6bn; loan-to-deposit ratio maintained at 75%.
Total assets at year-end: €12.3bn, up 1% YoY; loan book flat at €5.8bn; volumes up 5% YoY.
Cost-income ratio stable at 48%.
Outlook and guidance
2026 financial targets revised: Adjusted Net Income c. €160m (from €240m), EPS c. €0.8 (from €1.3), Cost/Income ratio <50% (from <40%), ROTE c. 24% (from >40%).
Medium-term targets and a new Strategic Plan will be presented in 2H26.
2026 guidance incorporates conservative assumptions, including ongoing but reduced provisioning.
Business outlook for 2025 remains solid, with no significant client impact from recent announcements.
What drives the significant 2026 target revision?
What capital needs justify no 2025 dividend?
How do ECHR rulings affect municipality NPLs?
What specific de-risking actions require 2025 dividend retention?
How do negative rulings affect future LPI profitability?
Detail securitization's RWA impact and contagion focus.
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Next BFF Bank earnings date
Q1 202611 May, 2026
BFF Bank
Next BFF Bank earnings date
Q1 202611 May, 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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