BPCE financials
BPCE
Country: FR Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
9695005MSX1OYEMGDF46 Financial statements
(EUR, as reported — unscaled; 90 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating profit (EBIT) | €5.97B | €4.87B |
| Profit before tax | €6.05B | €4.96B |
| Income tax expense | €1.90B | €1.36B |
| Profit for the year | €4.15B | €3.60B |
| — attributable to owners | €4.06B | €3.52B |
| — attributable to NCI | €86.0M | €79.0M |
| Total comprehensive income | €3.02B | €3.71B |
| Cash flow statement | ||
| Net cash from operating activities | €5.20B | -€17.29B |
| Net cash from investing activities | -€829.0M | -€618.0M |
| Net cash from financing activities | -€280.0M | -€2.63B |
| Dividends paid | €813.0M | €916.0M |
| Balance sheet | ||
| Total assets | €1.65T | €1.58T |
| Intangible assets & goodwill | €4.02B | €4.31B |
| Total equity | €90.26B | €87.77B |
| — attributable to owners | €89.31B | €87.14B |
| Non-controlling interests | €955.0M | €630.0M |
| Deferred tax liabilities | €1.49B | €1.32B |
| Derived metrics | ||
| Return on equity | 4.6% | 4.1% |
| Cash conversion ratio | 1.25× | -4.80× |
| Other reported items | ||
| Adjustments For Depreciation and Amortisation Expense | €1.49B | €1.34B |
| Adjustments For Impairment Loss Recognised In Profit Or Loss Goodwill | -€13.0M | €1.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €73.0M | €57.0M |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €6.20B | -€2.15B |
| Cash and Bank Balances At Central Banks | €133.94B | €133.19B |
| Cash and Cash Equivalents Classified As Part of Disposal Group Held For Sale | €0 | €17.0M |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €127.22B | €126.46B |
| Comprehensive Income Attributable To Noncontrolling Interests | €81.0M | €82.0M |
| Comprehensive Income Attributable To Owners of Parent | €2.94B | €3.63B |
| Current Tax Assets | €796.0M | €640.0M |
| Current Tax Liabilities | €2.43B | €2.21B |
| Debt Instruments Issued At Amortised Cost | €283.04B | €304.96B |
| Deferred Tax Assets | €4.29B | €4.16B |
| Deposits From Banks At Amortised Cost | €90.94B | €69.95B |
| Deposits From Customers At Amortised Cost | €757.25B | €723.09B |
| Derivative Financial Assets Held For Hedging | €6.40B | €7.62B |
| Derivative Financial Liabilities Held For Hedging | €13.25B | €14.26B |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€3.33B | €777.0M |
| Equity and Liabilities | €1.65T | €1.58T |
| Fee and Commission Expense | €1.97B | €1.85B |
| Fee and Commission Income | €13.23B | €12.89B |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €128.0M | €82.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss | €233.78B | €218.96B |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €17.0M | -€4.0M |
| Gains Losses On Disposals of Noncurrent Assets | -€2.0M | €28.0M |
| General and Administrative Expense | €16.07B | €15.24B |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€173.0M | -€175.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €82.0M | -€87.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | -€190.0M | €21.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €1.61B | €619.0M |
| Increase Decrease In Cash and Cash Equivalents | €762.0M | -€19.75B |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | €10.0M | €0 |
| Increase Decrease Through Transactions With Owners | -€464.0M | -€826.0M |
| Increase Decrease Through Transfers and Other Changes Equity | -€58.0M | -€26.0M |
| Insurance Contracts Issued That Are Assets | €1.17B | €1.13B |
| Insurance Contracts Issued That Are Liabilities | €129.97B | €117.55B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€4.26B | -€3.59B |
| Insurance Revenue | €5.38B | €5.06B |
| Insurance Service Expenses From Insurance Contracts Issued | €3.89B | €3.79B |
| Intangible Assets Other Than Goodwill | €1.33B | €1.15B |
| Interest Expense | €40.98B | €49.41B |
| Investment Accounted For Using Equity Method | €2.20B | €2.15B |
| Issue of Equity | €64.0M | €90.0M |
| Liabilities Due To Central Banks | €12.0M | €1.0M |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €21.0M | €312.0M |
| Miscellaneous Other Operating Expense | €1.31B | €979.0M |
| Miscellaneous Other Operating Income | €1.58B | €1.29B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €197.0M | €438.0M |
| Other Adjustments To Reconcile Profit Loss | €1.55B | -€6.09B |
| Other Comprehensive Income | -€1.13B | €116.0M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | -€229.0M | -€123.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€1.24B | -€16.0M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€633.0M | €250.0M |
| Other Comprehensive Income Before Tax Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss | €3.0M | €5.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €130.0M | €86.0M |
| Other Comprehensive Income Before Tax Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss | €340.0M | -€313.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€395.0M | €21.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -€735.0M | €95.0M |
| Proceeds From Issue of Subordinated Liabilities | €2.43B | €1.60B |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Property Plant and Equipment Including Rightofuse Assets | €6.64B | €6.08B |
| Provisions | €4.61B | €4.75B |
| Reinsurance Contracts Held That Are Assets | €9.19B | €9.32B |
| Reinsurance Contracts Held That Are Liabilities | €109.0M | €119.0M |
| Repayments of Subordinated Liabilities | €2.33B | €2.53B |
| Retained Earnings Profit Loss For Reporting Period | €4.06B | €3.52B |
| Revenue From Interest | €50.70B | €57.00B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Before Tax | -€10.0M | -€24.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €2.0M | -€3.0M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €73.0M | €57.0M |
| Subordinated Liabilities At Amortised Cost | €18.01B | €18.40B |
Methodology
Every line item above is a fact tagged in BPCE's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.