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Banca Monte dei Paschi di Siena (BMPS) investor relations material
Banca Monte dei Paschi di Siena Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net profit for the first nine months of 2025 reached €1,366 million, up 17.5% year-over-year, with Q3 net profit at €474 million, up 16.5% year-over-year, driven by strong fee growth and commercial performance.
The acquisition of Mediobanca was completed with 86.3% shareholder acceptance, consolidating its subsidiaries as of 30 September 2025 and creating the third largest player in the Italian banking market.
Integration process is structured and progressing smoothly, with a new group business plan to be presented in Q1 2026.
Strong commercial momentum and disciplined cost management led to another solid quarter, with teams maintaining focus despite the transaction.
Financial highlights
Net operating profit for 9M 2025 was €1,389 million, up 3.7% year-over-year; Q3 net operating profit was €453 million.
Gross operating profit for 9M 2025 was €1,643 million, stable year-over-year; cost/income ratio at 46%.
Net interest income for 9M 2025 was €1,638 million, down 7.4% year-over-year; net fees and commissions rose 8.5% to €1,185 million.
Operating costs for 9M 2025 were €1,411 million, up 1.4% year-over-year, mainly due to HR costs.
Total commercial savings rose by over €7 billion since Dec 2024 (+4.3%), reaching €174.3 billion.
Outlook and guidance
Full-year 2025 pre-tax profit guidance raised to well above €1.6 billion.
Capital position expected to remain above 16% at year-end, supporting a 100% payout policy for coming years.
Combined group targets €8 billion in revenues and around €3 billion in adjusted net profit, with return on tangible equity expected around 14%.
New business plan for the combined group to be presented in Q1 2026.
What caused the CET1 ratio drop post-Mediobanca?
How did core profitability evolve in 9M 2025?
What's driving performing loan growth?
Mediobanca legal entity impact on synergies
Excess capital use beyond 100% payout
International expansion plans for Compass, CIB
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Next Banca Monte dei Paschi di Siena earnings date
Q4 20255 Feb, 2026
Next Banca Monte dei Paschi di Siena earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
Banca Monte dei Paschi di Siena S.p.A. (BMPS), also known as MPS, is one of the principal banking groups in Italy, distinguished for its long history and significant presence in the domestic banking sector. Founded in 1472 under the auspices of the Republic of Siena, MPS is recognized as the world's oldest bank in continuous operation. Its journey began as a mount of piety (monte di pietà) and has evolved substantially over centuries, expanding its operations throughout Italy post-unification and diversifying its banking services. Today, MPS provides a comprehensive range of traditional retail and commercial banking services. Additionally, it engages in corporate and investment banking through its subsidiary, MPS Capital Services, and has established a significant footprint both domestically and internationally. The company is headquartered in Siena, Italy, and its shares are listed on the Italian Stock Exchange.
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