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Investor Relations14 Oct 2025
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Banca IFIS (IF) investor relations material
Banca IFIS H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary1 Aug, 2025
Executive summary
Acquired 92.5% of illimity Bank, with integration and due diligence by PWC to be completed by December 2025; full integration expected to generate significant cost and revenue synergies and higher industrial value.
Net profit for H1 2025 reached €93.7 million, or €94 million excluding €9 million one-off costs from the illimity offer, in line with H1 2024.
CET1 ratio at 16.52%–16.62%, well above requirements, with a post-merger target of 14%.
Integration project underway, including organizational, IT, and business structure alignment, with cross-selling initiatives and asset review for potential disposals.
Acquisition of Euclidea SIM finalized, marking entry into asset management services.
Financial highlights
Net banking income for H1 2025 was €351.0 million, down from €374.5 million in H1 2024 due to less favorable interest rates; 2Q25 net revenues at €172 million, down 9% year-over-year and 4% quarter-on-quarter.
Operating costs decreased by 2.5% to €201.0 million, reflecting efficiency gains, but Q/Q increase in 2Q25 due to NPL workout seasonality and project expenses.
Net credit risk losses rose to €19.2 million from €15.8 million in H1 2024; loan loss provisions remain low, with coverage ratio at 46%.
Factoring turnover at €3.4 billion with average spread of 3.55%; automotive leasing up 9% year-over-year, outperforming a contracting market.
NPL cash collections stable at ~€100 million per quarter; NPL Segment profit reached €42.2 million, up €0.4 million from H1 2024.
Outlook and guidance
On track to meet €160 million net income guidance for the year on a standalone basis; synergies from illimity Bank acquisition confirmed at €75 million annually.
Dividend policy remains attractive and consistent with previous years, with interim dividend in November confirmed.
Guidance for net interest income is -10% for the year, with cost of funding targeted below 3.2%.
Updated business plan for the combined group to be presented in 2026 after due diligence.
Focus on sustainable profitability, capital strength, and low risk profile for the integration phase.
What drives illimity asset disposal considerations?
Capital impact of new calendar provisioning
Explain the Italian asset quality paradox
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Next Banca IFIS earnings date
Q3 202510 Nov, 2025
Next Banca IFIS earnings date
Q3 202510 Nov, 2025
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Frequently asked questions
Banca IFIS SpA is an Italian banking institution that specializes in financial services for small and medium-sized enterprises (SMEs) and in managing non-performing loan (NPL) portfolios. The bank provides services such as factoring, leasing, and lending tailored to support the financial needs of businesses. Additionally, Banca IFIS is active in the acquisition, management, and recovery of NPLs, working with distressed assets in Italy’s credit market. Known for its niche focus, the bank aims to facilitate credit access and financial restructuring for its clients. The company is headquartered in Venice-Mestre, Italy, and its shares are listed on the Borsa Italiana.
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