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Banca Generali (BGN) investor relations material
Banca Generali Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Recurring net profit for the first nine months of 2025 reached €274 million, up 7% year-over-year, while reported net profit was €315 million, down 7% due to lower variable fees compared to the previous year's exceptional market conditions.
Total assets hit a record €110.1 billion, up 9% year-over-year, with strong net inflows and growth in managed solutions and advisory assets.
Commercial activity and net inflows rebounded after the lapse of Mediobanca's offer, with robust performance despite sector headwinds.
Strategic focus on AI, in-house asset management, and partnerships (Intermonte, Alleanza/Insurbanking) to drive long-term growth.
Financial highlights
Net interest income for the quarter was €81 million, with a net interest margin of 202 bps; full-year guidance at or above €320 million.
Net banking income for 9M 2025 was €722.6 million, stable year-over-year, with a higher quality mix from recurring fees and financial income.
Total gross fees reached €905 million (+1% YoY), with recurring fees up 8–9.8% and variable fees down 41% YoY.
Operating costs rose 20% to €252.6 million, mainly due to Intermonte consolidation and technology investments.
Q3 2025 net profit was €114.5 million, up 15.6% year-over-year, with recurring net profit at €97.5 million (+13%).
Outlook and guidance
FY 2025 net inflows guidance confirmed at above €6 billion, with at least €3.5 billion from Assets under Investment.
Expects a consolidated net interest margin yield of 200 bps and management fee margin of 140–142 bps for 2025.
Strategic projects (Intermonte, Alleanza/Insurbanking) expected to drive future growth and synergies, with Intermonte revenues set to double by 2030.
Intermonte's 2026 additional revenue estimate
Insurbanking 2030 asset volume target
Drivers for 9M 2025 core operating cost increase
Intermonte: % of structured products internalized?
Alleanza: How to ensure network adoption of new products?
What drives NII margin compression for 2025?
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Next Banca Generali earnings date
Q4 20256 Feb, 2026
Next Banca Generali earnings date
Q4 20256 Feb, 2026
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Frequently asked questions
Banca Generali S.p.A., a subsidiary of Assicurazioni Generali SpA, specializes in banking services tailored to high-net-worth individuals, focusing on private banking and wealth management. The company's service portfolio includes bank services, administered savings, managed savings, insurance savings, wealth management, and fiduciary services. Additionally, it operates product companies such as BG Fund Management Luxembourg SA, Generfid SpA, BG Saxo SIM, and BG Valeur, with BG Fund Management offering services in real estate, family protection, corporate finance, and art advisory. The company is headquartered in Trieste, Italy, and its shares are listed on the Borsa Italiana.
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