THE HAGUE, Netherlands , March 23, 2026 /PRNewswire/ — BNG’s mission is to maximize social impact. This social value is best reflected in the size and growth of the loan portfolio. Once more, BNG proved to be a stable and reliable partner during a year in which public organisations faced major investment challenges. We contributed to public services that help the Netherlands move forward, with a long-term loan portfolio of EUR 95.7 billion and portfolio growth of EUR 11.2 billion of new long-term loans in 2025. From affordable social housing and renewable energy to future-proof healthcare and educational institutions and vital infrastructure. The net profit for 2025 amounted to EUR 172 million.
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Loan portfolio increased from EUR 93.0 billion in 2024 to EUR 95.7 billion in 2025 (+ EUR 2.7 billion)
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Interest result decreased from EUR 536 million in 2024 to EUR 496 million in 2025 (- EUR 40 million)
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Solvency and liquidity remained strong, with a Common Equity Tier 1 ratio of 42% and an LCR of 159%
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Funding raised amounted to EUR 16.6 billion, of which EUR 5.5 billion consisted of ESG bonds
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Net profit declined from EUR 294 million in 2024 to EUR 172 million in 2025 (- EUR 122 million), due to both external factors and conscious strategic choices
Financial results
Despite volatile market conditions and geopolitical tensions, the demand for loans remained high, especially from municipalities and social housing associations. This resulted in a record size of our loan portfolio. Philippine Risch BNG CEO: “Our clients make a difference in society and the challenges associated with public investments are major. The ongoing demand for loans demonstrates how great the need is for investments and affordable financing of public facilities. Our robust financial position enables us to continue supporting our clients, especially in challenging market conditions, and to grow alongside them as they work to achieve their social objectives more quickly and effectively.”
BNG achieved a net profit of EUR 172 million in 2025, a decrease of EUR 122 million compared to 2024. This decrease is the result of market conditions and conscious choices:
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Lower interest result: the interest result decreased by EUR 40 million to EUR 496 million. We allocated part of our profits to provide our clients a lower price, enabling them to create more impact. In addition, BNG decided to divest parts of the non-strategic portfolio. In addition, the bank’s funding costs increased compared to last year;
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A negative result on financial transactions of EUR 31 million due to changes in the market value of financial instruments;
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Increase in operating expenses by EUR 21 million to EUR 173 million, due to investments in the further professionalisation of the organisation as well as a provision for reorganisation to better prepare the bank for the future;
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Higher impairments on financial assets of EUR 41 million are the result of write-downs on the solar energy projects portfolio.
