BNP Paribas Delivers Record 2025 Results and Surpasses Sustainable Finance Targets

BNP Paribas closes 2025 with record economic and financial results and having exceeded the 200 billion euro milestone to support the sustainable transition.

In the fourth quarter alone, group net profit reached €2.9 billion, up 28% year-on-year and exceeding market expectations. For the full year, net profit amounted to €12.2 billion. Return on tangible assets (ROTE) reached 11.6%, in line with strategic objectives. In parallel, the group has mobilized €252 billion between 2022 and 2025 to support its customers’ transition to a low-carbon economy, well above the initial target of €200 billion set for 2025.

BNP Paribas reports solid financial results above expectations in 2025

BNP Paribas closed the fourth quarter of 2025 with a group net profit of 2.972 billion euros, an increase of 28% compared to the fourth quarter of 2024 and above the average estimate of 2.84 billion euros by analysts (according to a consensus compiled by the company).

For the 2025 financial year, revenues amounted to €51.223 billion, an increase of 4.9% compared to the 2024 financial year. CIB ‘s revenues (€18.997 billion) increased by 5.6% compared to 2024, driven by revenue growth in Global Markets (+9.1% compared to 2024) and Securities Services (+8.1% compared to 2024). CPBS ‘s revenues increased by 2.6% to €26.717 billion.

Commercial banks grew by 5.3%, driven by the combined effect of growth in the eurozone, in line with the announced trajectory, and strong growth in Europe-Mediterranean (+16.1% compared to 2024). IPS ‘s revenues, including AXA IM, amounted to €6.929 billion (+19.6% vs. 2024; +6.1%/2024, excluding AXA IM), thanks to the integration of AXA IM and the positive performance of Insurance (+8.1% vs. 2024), Wealth Management (+9% vs. 2024) and Asset Management (+1.2% vs. 2024).

The group’s pre-tax profit thus stood at €17.065 billion, up 5.4% compared to 2024, and group net profit amounted to €12.225 billion (up 4.6% compared to 2024), in line with the target (above €12.200 billion). As of December 31, 2025, the return on unrevalued tangible assets (ROTE) was 11.6%, in line with the target of 11.5%.

Strengthened by the 2025 results and the structurally favorable interest rate environment, the BNP Paribas group confirms its 2024-2026 trajectory and revises its 2028 targets upwards.

At the end of the Board of Directors meeting, Jean-Laurent Bonnafé, CEO of the group, stated: “The group achieved a record fourth quarter, characterized by excellent operating performance. Strengthened by our results in 2025 and the structurally favorable interest rate environment, we confirm our objectives for 2026 and revise upwards those for 2028. The 2027-2030 plan is already underway to build an even more efficient and value-generating Group. I would like to thank our employees for their unwavering commitment to our customers and for their great commercial dynamism.”

Sustainable finance: BNP Paribas surpasses the €200 billion milestone

Throughout 2025, BNP Paribas continued to support its clients by financing their transition projects. This year was marked by several landmark transactions, leveraging the expertise of the Low Carbon Transition Group , such as the £5.5 billion financing for the construction of a new 3.2 GW nuclear reactor in England (Sizewell C), and the €1.1 billion participation in Eurogrid’s first European green bond , aimed at integrating renewable energy into the grid.

These transactions allowed the group to significantly exceed its 2025 targets, reaching €252 billion in financing to support its clients in the transition to a low-carbon economy between 2022 and 2025, well beyond the €200 billion target.

Low-carbon energies represent 82% of the group’s financing for energy production, compared to 54% in 2022, in line with the target of 90% (i.e. over 40 billion euros) in 2030. This commitment is also reflected in recent rankings, in which BNP Paribas was also recognized, for the third consecutive year, as the world’s leading bank for sustainable bonds and loans, with an amount of 69 billion dollars in 2025.

Artificial intelligence as a strategic lever fro BNP Paribas

According to the Evident AI Index, BNP Paribas is the leading bank in the eurozone in artificial intelligence (AI). A large number of AI use cases are already in production across all business lines, and more than 7,500 IT developers are equipped with a generative AI solution to accelerate and improve development and testing. As part of preparing its 2027-2030 plan, the group is accelerating and implementing AI levers at scale.

Specifically, the emphasis is on AI projects focused on operational efficiency, cost of risk, and cybersecurity. More than 800 specialists integrating AI at scale are employed in operational platforms and processes, with the aim of industrializing them. Since 2024, next-generation technologies have been adopted and alliances with cutting-edge partners have been established, particularly with Mistral AI. BNP Paribas is accelerating the industrialization of generative AI applications by making an LLM-as-a-service platform available for its business lines.

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(Featured image by Stock Birken via Unsplash)

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