5 minMemo Bank has announced strong financial results for 2025, driven by a 70% increase in Net Banking Income (NBI) compared to the previous year. Positioned as the only bank built for transaction-intensive companies, it recorded a sharp acceleration in its payment volumes and reached profitability in the first quarter of 2026.
“2025 marks a strategic turning point for Memo Bank. We have refocused our commercial and technological efforts on supporting businesses that process high daily payment volumes and need advanced cash-flow automation. Our 2025 financial results prove this positioning is fully relevant” stated Jean-Daniel Guyot, Memo Bank’s Chairman of the Supervisory Board.
Sustained Growth Across Key Metrics
The 2025 results confirm Memo Bank’s strong commercial and financial momentum:
Its Net Banking Income (NBI) reached €9.2 million, an increase of nearly 70% compared to 2024.
Its total assets stood at €407 million, up 23% year-over-year.
Its client base exceeded 775 companies, reflecting an annual growth rate of 53%.
Payment volumes experienced a significant acceleration: the bank processed €3 billion in December 2025 alone, nearly tripling the volume recorded in December 2024.
Disciplined balance sheet management and conservative ratios
In line with its conservative strategy, Memo Bank maintains a highly liquid balance sheet and and prudential ratios well above Basel requirements as of December 31, 2025:
Liquidity Coverage Ratio (LCR): 222% (vs. 147% for the average of major French banks in 2024)
Net Stable Funding Ratio (NSFR): 230% (vs. 115% for the average of major French banks in 2024)
Common Equity Tier 1 (CET1): 27% (vs. 15% for the average of major French banks in 2024)
API-driven flows and new treasury services
Memo Bank has developed a proprietary core banking infrastructure that enables large-scale payment automation. Currently, 65% of client flows are processed via API. This infrastructure directly meets the needs of financial institutions and insurers with complex operating models (Iroko, Acheel, IQ-EQ). It is notably built on dedicated safeguarding accounts designed to secure third-party funds. As an example, the new European stock exchange Lise (Lightning Stock Exchange) chose Memo Bank to operate its innovative settlement and delivery system.
At the same time, the bank has expanded its treasury offerings with euro-and dollar-denominated Money Market Funds, which had raised over €113 million by the end of 2025, and with the rollout of its fraud prevention tool, Memo Bank Protect, delivering accuracy 20 points higher than the Verification of Payee (VoP) standard.
2026 ambition: becoming Europe’s leading API-first payments platform
Following a strong year of commercial growth in 2025, Memo Bank reached profitability in the first quarter of 2026, driven by a 35% increase in average Net Banking Income and a 10% reduction in operating expenses between 2025 and Q1 2026. “Achieving profitability at this stage of our development is a decisive milestone; it demonstrates the exceptional efficiency of our technology infrastructure and the strength of our transaction banking model,” said Jean-Daniel Guyot.
The bank is therefore entering the year with confidence and a clear ambition: to become the leading European payments partner for companies operating at scale.
In 2026, the bank will notably continue to:
expand its multi-currency capabilities;
enhance its Premium API offering;
integrate with leading management software solutions on the market.
About Memo Bank
Founded in 2020, Memo Bank is an independent French bank for businesses, licensed by the European Central Bank and supervised by the ACPR. Memo Bank has developed a proprietary core banking infrastructure designed to meet the API-driven automation needs of companies with high transaction volumes. Leveraging cutting-edge banking technology, Memo Bank is transforming the day-to-day operations of finance teams by enabling them to centrally and seamlessly manage all their banking activities, while providing fast access to financing.
Contact presse : Zahira Naulais-Benabdallah, presse@memo.bank
