BRED Bank Cambodia, a subsidiary of BRED Banque Populaire (France), is pleased to share the solid 2025 financial results of its shareholder.
In 2025, BRED Banque Populaire delivered a very strong financial performance. Net banking income reached €1.727 billion, representing growth of 17.6% compared with 2024. Net income attributable to the Group amounted to €423 million, up by around 8.2%, which was one of the best results in the bank’s history.
According to Jean-Paul Julia, Chief Executive Officer of BRED Banque Populaire:
“BRED Banque Populaire generated a record 17.6% increase in NBI in 2025. This level of performance, supported by all our business lines, attests to the strength of our cooperative model, the quality of our teams and our ability to accelerate the transformation of our bank to better serve our customers, our members and our regions in a responsible and sustainable way.”
All business lines contributed to this performance:
- Retail Banking and Insurance (46% of net banking income) recorded more than 20%
growth in net banking income, supported by strong lending activity. - Corporate and Investment Banking (CIB) (27% of net banking income) achieved
over 25% growth and reaffirmed its position as a key partner for corporate clients,
remaining the leading player in Europe for the placement of short-term corporate
debt for the fourth year in a row. - International Banking (24% of net banking income), which includes operations
in Southeast Asia, posted 6.6% growth in net banking income (at constant exchange
rates and excluding exceptional items), confirming the strategic role of BRED Banque
Populaire’s international network.
At the same time, BRED Banque Populaire continued to invest in its people and technology while improving its efficiency. The cost/income ratio improved to 53.4%, in line with the strategic plan. The bank’s capital and liquidity position remains very strong, with shareholders’ equity of €7.7 billion (+8% year-on-year), a CET1 ratio of 18%, and liquidity ratios significantly above regulatory requirements (LCR 146% and NSFR 121%).
About BRED Bank Cambodia
BRED Bank Cambodia, established in 2017, serves retail customers, small and medium-sized enterprises, and international corporates, combining international banking standards with strong local expertise. The bank provides tailored financial solutions to support its customers’ projects and the growth of Cambodia’s economy. It is strengthening its ESG commitments through sustainable finance, inclusive growth and community initiatives. As the only European Union bank operating in the country, BRED Bank Cambodia is a wholly owned subsidiary of BRED Banque Populaire, a member of the BPCE Group.
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