2025 Integrated Report

Editorial

Thanks to the solidity of our Group and the strength of our diversified and integrated model, we support our clients and partners in a comprehensive manner in developing and executing their projects. Our commitment to them extends over the long term and in all phases of the economic cycle. By leveraging our leading business platforms and our position as a European leader in many markets, we foster the development of a sustainable economy and create value for all our stakeholders.

Our resources in 2025(3, Figures as at 31 December 2025, unless otherwise stated.)

HUMAN
  • More than 180,000 employees, including more than 146,000 in Europe(1, Figure as at 31 December 2025. The number of employees is reported in Full-Time Equivalents (headcount in proportion to their working time) on permanent or temporary contracts, excluding employees on unpaid leave. Figures have been rounded.)
  • 99% of employees completed at least four training courses during the year
  • Nearly 71,000 employees completed at least one training course in sustainable finance, through our Sustainability Academy, in 2025
TECHNOLOGICAL
  • More than 800 specialists using artificial intelligence massively to scale up operating platforms and processes
  • Our Tech Academy helps strengthen existing skills (upskilling) and develop new ones (reskilling)
  • A growing pool of 2,068 APIs(4, API: Application Programming Interfaces.) handling over 3,761 million transactions per month
FINANCIAL
  • 12.2 billion euros in net income Group share
  • 132.2 billion euros in equity
  • 475 billion euros in immediately available liquidity reserve(5, Liquid market assets or eligible assets in central banks (counterbalancing capacity), taking into account prudential standards, notably US standards, minus intra-day payment system needs.)
  • A 12.6% Common Equity Tier 1 ratio

Our value creation in 2025(3, Figures as at 31 December 2025, unless otherwise stated.)

FOR OUR CLIENTS

Daily and long-term support for our clients (individual, corporate and institutional), in 64 countries and territories, on all continents

897 billion euros in client loan outstandings

1,076 billion euros in client deposits

2,443 billion euros in assets under management

FOR OUR EMPLOYEES

14.8 billion euros in fixed and variable remuneration, incentive bonuses and profit-sharing paid

41% women in the SMP (Senior Management Position) population

19,000 Group internal recruitments

4.3% of the Group’s shares held by employees

FOR OUR SHAREHOLDERS AND INVESTORS

A €5.16 net dividend per share(6, €2.59 interim paid in September 2025 and balance of €2.57, detached on 18 May and paid on 20 May 2026, subject to approval by the Annual General Meeting of 12 May 2026.)

+7.5% growth in net earnings per share compared to 2024

FOR SOCIETY AND THE ENVIRONMENT

7.3 billion euros in taxes paid

A budget of over 75 million euros for the Group’s philanthropy

5.5 million beneficiaries of products and services supporting financial inclusion since 2022

1,353,529 volunteering hours spent by the Group’s employees in 2024 and 2025

Nearly 17,000 external hires on permanent contracts at the Group

252 billion euros dedicated to supporting our clients in the transition to a low-carbon economy since 2022

347 billion euros in assets under management in BNP Paribas Asset Management open-ended funds distributed in Europe, classified as Article 8 or 9 according to the SFDR(7, The European Sustainable Finance Disclosure Regulation (SFDR) identifies funds according to their sustainability potential. The Article 8 classification concerns funds declaring that social and/or environmental criteria are taken into account. The Article 9 classification concerns funds with a sustainable investment objective.)

82% of low-carbon energies in the Group’s energy production credit exposure, as at the end of September 2025

6 billion euros dedicated to financing companies contributing to protect terrestrial and marine biodiversity since 2022