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Banca Monte dei Paschi di Siena (BMPS) investor relations material
Banca Monte dei Paschi di Siena Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
H1 2025 net profit reached €892M, up 21.4% year-over-year, with Q2 net profit at €479M, up 15.7% sequentially, driven by strong commercial activity and higher fee income.
Fully loaded CET1 ratio at 19.6%, among the highest in the sector, with a capital buffer of 840 bps over Tier 1 requirements.
Announced and launched a public exchange offer for Mediobanca, aiming to create a leading, diversified Italian banking group with significant synergies and value creation.
Asset quality improved, with cost of risk down to 43 bps and gross NPE stock reduced after a portfolio sale.
Commercial momentum continued, with performing loans at €65.1B (+2.4% QoQ, +4.9% YTD) and total funding at €171B (+€4B in Q2).
Financial highlights
Total revenues for H1 2025 exceeded €2B, up 1.1% year-over-year, with net fee and commission income up 9.1% and other banking income up 32.2%.
Net interest income for H1 2025 was €1,094M, down 6.7% year-over-year, but up 1.5% quarter-on-quarter in Q2.
Operating expenses rose 2% year-over-year, mainly due to higher HR costs from a renewed labor agreement.
Loan loss provisions for H1 2025 were €175M, down from €204M in H1 2024.
Pre-tax profit for H1 2025 was €857M, up €151M year-over-year.
Outlook and guidance
Full-year 2025 pre-tax profit expected to exceed €1.5B, with stabilization of NII and continued strong commercial performance.
Cost of risk guidance for 2025 confirmed at 43 bps, with continued focus on asset quality and operational efficiency.
Anticipates up to 100% dividend payout ratio as early as 2025, with potential for interim dividends.
Explain the drivers of growth in performing loans.
Assess the impact of the Mediobanca offer.
How does MPS capitalization compare EU banks?
What's driving the strong deposit growth?
What synergies exist below 50% Mediobanca control?
Update on potential AXA bancassurance changes?
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Next Banca Monte dei Paschi di Siena earnings date
Q3 20256 Nov, 2025
Next Banca Monte dei Paschi di Siena earnings date
Q3 20256 Nov, 2025
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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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