2025 EBA STRESS TEST RESULTS CONFIRM
BNP PARIBAS’ STRONG SHOCK ABSORPTION CAPACITY
AND STRUCTURAL RESILIENCE




PRESS RELEASE

Paris, 1 August 2025,

The European Banking Authority (EBA) published the results of the 2025 EU-wide stress test
results, carried out in coordination with the European Central Bank (ECB), the Single
Supervisory Mechanism (SSM), and the European Systemic Risk Board (ESRB).

The 2025 EU-wide stress test is designed to be used as an important source of information for
the purposes of the SREP (Supervisory Review and Evaluation Process). The results assist
the supervisory authorities in assessing BNP Paribas’s ability to meet applicable prudential
requirements under stressed scenarios.

The adverse stress test scenario was set by the ECB/ESRB and covers a three-year time
horizon (2025-2027). The stress test has been carried out, applying a static balance sheet
assumption as of December 2024, therefore not taking any future business strategies and
management actions into account. It is not to be viewed as a forecast of BNP Paribas’s profits.

Strong shock absorption capacity: structural improvements in the Group’s profile,
strength of capital structure and prudent balance sheet management

BNP Paribas demonstrated a high level of resilience in the 2025 stress test, with a fully loaded
CET1 peak-to-trough depletion of -235 basis points (bps), significantly improved from
-398 bps in the 2023 exercise.

On the leverage ratio, depletion is also lower than in the 2023 exercise with Group’s leverage
ratio remaining above the requirement throughout the stress period with a low point of 3.9%
(compared to 3.4% in 2023 exercise).

Accordingly, these stress tests will provide input into the 2025 Supervisory Review and
Evaluation Process (SREP) conducted by the supervisory authorities and therefore
reclassify BNP Paribas in the first bucket of the ECB’s Pillar 2 Guidance (P2G)
framework, with a depletion range of 0–300 bps for its CET1, corresponding to a P2G
range between 0 and 100 bps, lower than the previous range of 50 to 200 bps.

This improvement complements the Group’s already low-level Pillar 2 Requirement (P2R), one
of the lowest among major European banks, reflecting its strong resilience capabilities through
all stages of the cycle.
Supporting clients and the economy in all environments

BNP Paribas remains committed to maintaining a solid capital position and supporting its
clients and the economy across all market conditions.

The Group’s performance in the 2025 stress test reinforces its ability to navigate uncertainty
and deliver sustainable value to all stakeholders.