Answer
The brief news release you provided only announces that Banco Comercial PortuguĂȘs, S.A. (BCP) has issued its âH1âŻ2025 Report and Accounts.â It does not contain any quantitative details about the bankâs loanâportfolio performance or creditâquality metrics for the first half of 2025âsuch as total loan growth, net new lending, or the nonâperforming loan (NPL) ratio.
Because the specific figures are not included in the excerpt you shared, I cannot give a precise description of how loan growth or the NPL ratio evolved during H1âŻ2025. Typically, a halfâyear earnings release would include:
| Metric | Typical presentation in an H1 earnings release |
|---|---|
| Loan growth | Net new loans (in âŹbn or % of the previous period), sometimes broken down by retail, corporate, and mortgage segments. |
| Credit quality | NPL ratio (NPLsâŻ/âŻtotal loans), sometimes also the number of NPLs, writeâoffs, and provisions for credit losses. |
| Trend commentary | Managementâs discussion on the drivers of loan growth (e.g., macroâeconomic conditions, interestârate environment, new product launches) and on creditâquality trends (e.g., sectoral stress, provisioning policy). |
What you can do next
- Access the full H1âŻ2025 report â The complete document (usually a PDF) is published on BCPâs investorârelations website or on the regulatorâs filing portal. It will contain the detailed tables and commentary on loanâbook dynamics and NPL trends.
- Check the press release â The âH1âŻ2025 Report and Accountsâ press release often includes a âKey financial highlightsâ section that summarises loan growth and NPL ratio changes yearâonâyear.
- Look for analyst coverage â Financial analysts often issue briefings that extract the most relevant loanâgrowth and creditâquality figures from the earnings release.
If you can provide the full earnings release (or a more detailed excerpt), Iâll be able to extract the exact loanâgrowth numbers and NPLâratio evolution for H1âŻ2025 and give you a precise, dataâdriven answer.