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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.Q2 2025 earnings summary29 Jul, 2025
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.
Explain Intermonte's integration impact.
Detail insurebanking project synergies.
Assess impact of market volatility on fees.
Alleanza incentive for Banca Generali products?
Brokerage fees: sustain EUR 19M+ run rate?
H2 AUI mix: drivers for better profitability?
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Next Banca Generali earnings date
Q3 20255 Nov, 2025
Next Banca Generali earnings date
Q3 20255 Nov, 2025
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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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