BNP Paribas has announced that it has received notification from the Autorité de contrôle prudentiel et de résolution (ACPR) regarding the updated Minimum Requirement for Own Funds and Eligible Liabilities (MREL) applicable from that date.
The updated total MREL requirement now stands at 22.32% of the group's risk-weighted assets (RWAs), plus the Combined Buffer Requirement (CBR, set at 4.87% as of March 31, 2026), and 5.91% of the group's leverage exposures.
Regarding the subordination constraint, the requirement for BNP Paribas is set at 13.50% of RWAs, plus the CBR, and 5.63% of the banking group's leverage exposures.
As of the end of March, BNP Paribas reported a total MREL ratio of 29.7% of RWAs and a subordinated MREL ratio of 26.6% on the same basis. These ratios stood at 8.7% and 7.8% of the group's leverage exposures, respectively.
BNP Paribas is France's largest banking group. Net banking product (NBP) breaks down by activity as follows:
- retail banking (50.8%): retail banking activity in France (24.2% of NBP), in Belgium (14%), and Italy (10.1%). The remainder of the NBP (51.7%) is from international activities and specialized financial services activities (consumer loans, real estate credit, leasing credit, car fleet management, computer equipment leasing);
- finance and investment banking (36.1%): consulting and capital market activities (83.2% of NBP; merger-acquisition consulting, activities related to the stock, interest, and exchange markets, etc.) and financing (16.8%; financing for acquisitions, projects, raw material transactions, etc.);
- institutional and private management and insurance (13.1%): asset management, private banking activity (No. 1 in France), real estate and on-line brokerage services, insurance and securities services (No. 1 in Europe for retained securities).
At the end of 2025, BNP Paribas was managing EUR 1,075.6 billion in current deposits and EUR 897.3 billion in current loans.
Net banking product is distributed geographically as follows: Europe/Middle East/Africa (80.8%), America (10.8%) and Asia/Pacific (8.4%).
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