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Banca Generali (BGN) investor relations material
Banca Generali Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Recurring net profit reached a record €176.3M (+3% YoY), while reported net profit was €200.2M (-16% YoY) due to lower variable components and performance fees.
Client assets hit a new high at €106.5B (+8% YoY), with over €71B in assets under investment and net inflows of €3.0B.
Strategic partnership with Generali and new mutual banking business launched, including new insurebanking agreements and FPA model acceleration.
Intermonte integration completed, expanding trading, derivatives, and investment banking capabilities.
Robust capital and liquidity positions maintained, with CET1 at 17.7%, TCR at 19.7%, LCR at 329%, and NSFR at 234%.
Financial highlights
Net profit for Q2 was nearly €90M, with H1 net profit at €176M; variable net profit contributed €23.9M.
Net interest income for H1 was €161.7M (+2.7% YoY), supported by asset expansion and higher retail deposits.
Gross recurring fees for H1 were €550M (+7% YoY), now 93% of total fees; variable fees dropped 55% YoY.
Operating costs rose 20% YoY to €164M, mainly due to Intermonte integration and IT investments.
Cost/income ratio (adjusted) at 37.5%, up from 35.6% at year-end 2024.
Outlook and guidance
2025 targets confirmed: net inflows of €6B (with >€3.5B in assets under investment), NIM yield of 200 bps, and management fee margin of 140–142 bps in H2.
Strategic plan 2026–2028 focuses on Generali partnership, mutual banking, and long-term value creation.
Expecting to onboard at least 2,000 Allianz professionals by end of next year.
Confident in delivering all targets despite short-term uncertainties from the pending public offer.
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