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Banco di Desio e della Brianza (BDB) investor relations material
Banco di Desio e della Brianza H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Consolidated net profit for H1 2026 reached €76.1 million, up 8.0% year-over-year.
Annualised ROE improved to 9.8% from 9.3% at end-2025.
Operating profit rose to €143.0 million, a 17.5% increase over H1 2025.
Revenue grew by 8.5%, driven by net interest income (+2.8%) and net fee and commission income (+17.9%), especially from Bancassurance.
Cost/income ratio improved to 55.9% from 59.3% in H1 2025.
Financial highlights
Net interest income: €181.5 million (+2.8% YoY).
Net commissions: €126.8 million (+17.9% YoY).
Operating income: €324.6 million (+8.5% YoY).
Operating expenses: €181.6 million (+2.4% YoY).
Cost of credit: €19.2 million (+72.6% YoY).
Net loans to customers: €12.5 billion (down 1.8% from YE 2025).
Total customer assets under administration: €42.8 billion (+6.2% from YE 2025).
Outlook and guidance
Supervisory authority confirmed transitional period for MREL requirements until 1 January 2027.
No additional subordination requirements attached to MREL.
Continued focus on integrating ESG factors and expanding bancassurance and wealth management.
- Q1 2026 net profit up 1.7% YoY, with strong capital, liquidity, and commission growth.BDB
Q1 20263 Jul 2026 - Net profit €127.3M, CET1 18.3%, NPL 2.7%, higher commissions, unqualified audit opinion.BDB
H2 20253 Jul 2026 - H1 2024 net profit up 29.4% YoY on ordinary basis; strong capital and expanded consumer lending.BDB
H1 20243 Jul 2026 - Net profit fell up to 9.9% to €70.4m, with CET1 at 18.5% and strong capital and liquidity.BDB
H1 20253 Jul 2026 - Net profit up 20.4% YoY to €124.2M, CET1 at 18.8%, and dividend payout at 50% of net profit.BDB
H2 20243 Jul 2026 - Net profit up 20.9% YoY on ordinary basis, with strong capital, liquidity, and ESG progress.BDB
Q3 20243 Jul 2026 - Q1 2025 net profit fell 5.5% to €37.0M, with strong capital ratios and resilient profitability.BDB
Q1 20253 Jul 2026 - Net profit fell 9% to €105.9M, but capital and liquidity ratios improved significantly.BDB
Q3 20253 Jul 2026
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