BFF Bank SpA (FRA:2BF)

Q3 2025 BFF Bank SpA Earnings Call Transcript

Nov 10, 2025 / 05:30 PM GMT

Release Date Price: €11.13 (+1.64%)

Transcript

Key Points

Positve

BFF Bank SpA (FRA:2BF) reported a 14% increase in adjusted net profit for the first nine months of 2025 compared to the same period last year.
The bank's loan book reached its highest ever level, up 8% year on year, with strong growth in Italy and France.
The bank maintains a strong liquidity position with a loan to deposit ratio of 73% and a significant increase in off-balance sheet reserves.
BFF Bank SpA has excess capital of 108 million euros, allowing for potential capital returns such as a proposed 12.5 million euro buyback.
The bank is focusing on international expansion with plans to open a branch in France and enter the Luxembourg market, enhancing growth opportunities.

Negative

The bank's bond portfolio has decreased year on year due to maturities, which could impact future profitability.
There is a need to reduce past due amounts, which are primarily related to public sector receivables.
The payment segment experienced a 70% year-on-year decline, attributed to internal transfer pricing on the liquidity side.
The bank's cost of risk remains a concern, with a cost of risk for the nine months standing at 4.7 basis points.
There is uncertainty regarding the impact of potential securitization and the timeline for reducing risk-weighted assets.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BFF.MI - BFF Bank SpA
Q3 2025 BFF Bank SpA Earnings Call
Nov 10, 2025 / 05:30PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon and welcome to BFF Bank Group. 1st 9 months, 2025 earnings call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the key followed by zero.

After today's presentation, there will be the opportunity to ask questions. To ask a question, you may press, then 1 on a touchtone phone. To withdraw your question, please press 2.

Please note this event is being recorded. I would like to send the conference over to Massimiliano Bellingheri, Group CEO, and Giuseppeica, Group CFO. Please go ahead.

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Unidentified_2 [2]
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