BFT CREDIT 12 MOIS ISR - I (C) ISIN : FR0010796433

BFT CREDIT 12 MOIS ISR - I (C)
Asset class: Money Market

YTD
As of 23/09/2026
0.93%

Risk IndicatorThe level of risk of the fund mainly reflects the risk of the market in which the fund is invested and, as the case may be, the leveraging strategy or inverse performance of the index. The capital initially invested does not benefit from any guarantee. The current level of risk does not indicate the future level of risk and may change over time. The lowest risk level is not equal to a risk-free investment.
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The risk indicator assumes you keep the product according to the holding period.

NAV
As of 23/09/2026
€296,508.85

SFDR ClassificationSustainable Finance Disclosure Regulation
Art. 8

Fund AUM
As of 23/09/2026
€1.50B
The objective is, over a 12-month investment horizon, to achieve an annual net performance exceeding by 0.30% that of the capitalized €ster, an index representative of the eurozone money market rate.  
The strategy consists of enhancing the portfolio by investing in debt securities and money market instruments, primarily from private issuers with an investment grade rating across all geographic regions, while incorporating ESG criteria into the security selection and analysis process.  
Securities denominated in foreign currencies are hedged...
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NAVs

NAV from 09/26/2016 to 09/23/2026
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Created with Highcharts 11.4.8BFT CREDIT 12 MOIS ISR - I (C)Jul '17Jul '18Jul '19Jul '20Jul '21Jul '22Jul '23Jul '24Jul '25Jul '26250K260K270K280K290K300K

Performance

Change in NAV in base 100
FundBFT CREDIT 12 MOIS ISR - I (C) (11.17% over the period)
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Created with Highcharts 11.4.8BBFT CREDIT 12 MOIS ISR - I (C)BenchmarkJul '17Jul '18Jul '19Jul '20Jul '21Jul '22Jul '23Jul '24Jul '25Jul '2695100105110115
B. The fund becomes autonomous and adopts an investment strategy based on the principles of ISR.Performance published and achieved before the date of the change corresponds to a different strategy from the current one.
FundBFT CREDIT 12 MOIS ISR - I (C) (11.17% over the period)
Select period
Created with Highcharts 11.4.8BBFT CREDIT 12 MOIS ISR - I (C)BenchmarkJul '17Jul '18Jul '19Jul '20Jul '21Jul '22Jul '23Jul '24Jul '25Jul '2695100105110115
B. The fund becomes autonomous and adopts an investment strategy based on the principles of ISR.Performance published and achieved before the date of the change corresponds to a different strategy from the current one.

Portfolio Analysis

Repartition 09/30/2025
Sectors
% asset
Mod. duration
BANQUE FED CREDIT MUTUELFinancials2.12%0.02
AYVENS SAIndustrials1.63%0.02
SKANDINAVISKA ENSKILD BANKE ABFinancials1.42%0.03
ABN AMRO BANK NVFinancials1.38%0.02
COOPERATIEVE RABOBANK UAFinancials1.35%0.02
LA BANQUE POSTALEFinancials1.31%0.02
BPCE SAFinancials1.21%0.02
SPAIN (KINGDOM OF )Sovereign EMU1.13%0.00
BNP PARIBAS SAFinancials1.13%0.01
INTESA SANPAOLO SPAFinancials1.12%0.02

Management commentary

Effective date: 31/08/2026In August, the persistence of energy prices at high levels ($89 for a barrel of Brent) continued to fuel fears of accelerating inflation and thus weighed on the bond markets. In response to this rise in long-term rates, U.S. Treasury Secretary Scott Bessent announced that Treasury buybacks on long maturities would be at least doubled for the quarter.
The inflation indices published in August, covering the month of July, delivered a mixed message. In the United States, headline inflation (CPI) slowed to 3.4% year-on-year, compared to 3.5% in June, while core inflation fell to 2.5%, its lowest level of the year. In the eurozone, by contrast, inflation accelerated to 2.9% in July, compared to 2.8% in June, driven higher by a renewed acceleration in the energy component (+10.3% year-on-year) linked to developments in oil and gas prices. Core inflation, for its part, came in at 2.5%.
Business surveys remained generally well oriented despite high energy prices. In the eurozone, the composite PMI rose for the third consecutive month, reaching 52.1 in August, its highest level since November, driven by German industry. In the United States, the ISM manufacturing index jumped to 55.6 in July, its highest level since May 2022, while the ISM services index held steady at 54.1. However, the July employment report disappointed, with a loss of 23,000 non-farm jobs and significant downward revisions for previous months, even though the unemployment rate fell back to 4.1%, a thirteen-month low, due to a further decline in the participation rate.
None of the major central banks held a monetary policy committee meeting in August. The key event of the month from this perspective was the Jackson Hole symposium, where Kevin Warsh was reassuring about the labor market but concerned about the inflation trajectory. For the first time in his term, he provided guidance by saying that the Fed’s attention should currently be focused primarily on price stability. In the eurozone, the ECB minutes suggested that a majority of Governing Council members would be ready to raise key rates in September to contain the effects of rising energy prices.
Bond yields generally increased over the month, particularly at the very end of the month after Kevin Warsh’s speech. The U.S. 10-year yield ended the month at 4.74%, its highest level since the start of 2025. The German 10-year yield rose sharply, ending the month at 3.30%, its highest level since 2011, driven by expectations of an ECB rate hike. Sovereign spreads in the eurozone widened slightly.
Euro credit held up well over the month. In Investment Grade, spreads tightened by 1 bp to 76 bps, generating an outperformance of 7 bps versus sovereigns. However, the 12 bp rise in underlying yields to 3.8% led to a total return of -0.2%. The BBB segment as well as shorter maturities outperformed, while financials underperformed industrials (with Automotive and Telecoms leading). French banks also slightly underperformed in a context of widening OAT spreads. In High Yield, spreads tightened by 10 bps to 255 bps, resulting in an outperformance of 43 bps versus sovereigns and a total return of +0.4%.
Finally, the primary market resumed in the third week, with a total of €40.8 billion in gross issuance, confirming the market’s good absorption capacity despite seasonally less favorable liquidity.
       In August, the fund recorded a performance of 0.12% (I share), driven mainly by carry. The rise in short-term rates (+12 bps on the German 2-year, to 2.94%) was unfavorable for performance. In the current context, we maintained the interest rate sensitivity at an unchanged level of 0.87. This remains mainly concentrated on the short end of the portfolio, with the longest maturities hedged against interest rate risk. The fund’s credit sensitivity also remains stable, at 1.53. In this environment, our positioning remains constructive on short-term IG credit, still supported by solid issuer fundamentals.
      During the month, the fund was mainly active on the secondary market: BPCE, Leasys, Volvo, Thales… In the current context, we favor bond securities with intermediate maturities (3-4 years) given the attractive overall carry offered in this segment. The fund’s ESG rating is “C.”

Characteristics

General data

Inception date
05/11/2009
First Nav Date
04/11/2009
Currency
EUR
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Valuation
Daily
Minimum initial investment
100000 euros
Minimum additional investment
1 thousandth unit(s)/share(s)

Costs Composition

One-off costs upon entry or exit (Investment EUR 10,000)If you exit after 1 year
Entry costsWe do not charge an entry fee for this product.€0
Exit costsWe do not charge an exit fee for this product, but the person selling you the product may do so.€0.00
Ongoing costs taken each year (Investment EUR 10,000)
Management fees and other administrative or operating costs0.25% of the value of your investment per year. This percentage is based on actual costs over the last year.€24.80
Transaction costs0.05% of the value of your investment per year. This is an estimate of the costs incurred when we buy and sell the underlying investments for the product. The actual amount will vary depending on how much we buy and sell.€5.03
Incidental costs taken under specific conditions (Investment EUR 10,000)
Performance fees

20.00% annual outperformance of the reference asset 100% ESTR CAPITALISE (OIS) + 0.3%. The calculation applies on each Net Asset Value calculation date in accordance with the terms described in the prospectus. Past underperformances over the last 5 years should be clawed back before any new accrual of performance fee.The actual amount will vary depending on how well your investment performs. The aggregated cost estimation above includes the average over the last 5 years.

The performance fee is paid even if the performance of the share over the performance observation period is negative, while remaining higher than the performance of the Reference Asset.

€3.60

Codification

ISIN code
FR0010796433
Bloomberg code
BFTCRM9 FP
Reuters code
LP68034313

Investment Objective

The objective is, over a 12-month investment horizon, to achieve an annual net performance exceeding by 0.30% that of the capitalized €ster, an index representative of the eurozone money market rate.  
The strategy consists of enhancing the portfolio by investing in debt securities and money market instruments, primarily from private issuers with an investment grade rating across all geographic regions, while incorporating ESG criteria into the security selection and analysis process.  
Securities denominated in foreign currencies are hedged against exchange rate risk.  
The fund is managed within a global interest rate sensitivity range between 0 and 2.

Documents

LanguageDocumentsTypeClosing Date
FR
PDF
01/09/2026
PDF
30/09/2025
PDF
01/09/2026
PDF
31/03/2026
FR
PDF
31/03/2026
PDF
02/01/2026
PDF
31/08/2026
PDF
31/08/2026
FR
PDF
20/12/2024
PDF
31/12/2025
FR
PDF
30/09/2025
FR
PDF
31/12/2025
This site does not constitute in any way a solicitation or an offer to buy or sell securities. The information it contains is intended to inform the subscriber by supplementing certain financial characteristics of the OPC appearing in the Key Information Document (KID PRIIPs) or in the prospectus. As a result, this information is inevitably partial and is subject to change. The KID PRIIPs or the prospectus must be offered to subscribers prior to subscription, provided upon subscription and made available to the public upon request, as well as the latest financial statements available.
Data relating to past performance does not take into account any entry fees and exit fees on subscriptions and redemptions of units. These fees may impact past performance.
The funds and securities mentioned above are in no way sponsored, recommended or promoted by the sponsor of the reference index or benchmark used. The sponsor of the reference index or benchmark is not legally and legally responsible for the funds, securities, indices or any funds or securities on which these are based.
References of the local representative or paying agent from whom the legal documents are available free of charge: CACEIS Bank France 1-3, place Valhubert 75013 Paris.