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BPER Banca (BPE) investor relations material

BPER Banca Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary6 Aug, 2025

Executive summary

  • Net profit for 1H25 reached €903.5m, up 29.5% half-on-half, marking a record result driven by higher revenues and lower costs.

  • Completed BPSO/BIPSO public tender and exchange offer, acquiring ~80.7% stake, enabling integration by 1H26 and targeting €290m pre-tax annual synergies.

  • Asset quality among the best in Italy, with gross NPE ratio at 2.5%, net at 1.1%, and NPE coverage at 55.6%.

  • Business plan initiatives fully launched, with strong lending growth, digital, ESG, and operational efficiency progress.

  • Strengthened position as Italy's 3rd largest bank by market share in TFA, loans, deposits, and branches.

Financial highlights

  • Total revenues in 1H25 reached €2.9bn (+3.4% H/H), with core revenues stable at €2.7bn.

  • Net interest income was €1.63bn, down 3.4% half-on-half; net commission income up 4.8% to €1.06bn.

  • Operating costs fell 4.9% half-on-half to €1.33bn; cost/income ratio improved to 46.6%.

  • Net loans to customers increased to €92.7bn, up 4.2% year-over-year; direct deposits at €120.8bn.

  • EPS as of 30 June 2025 was €0.638.

Outlook and guidance

  • FY25 total revenues guidance raised to ~€5.5bn, cost/income ratio at ~50%, and CET1 ratio above 15.5%.

  • Net interest income expected to decline mid-single digit, net commission income to rise mid-single digit.

  • Cost of risk forecasted below 40bps; business plan update post-integration planned for 1H26.

  • CET1 ratio target raised to >15.5% for FY25, with combined entity projected at ~15% by December 2025.

  • Macroeconomic environment remains uncertain, with global GDP growth revised down and ongoing geopolitical risks.

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Frequently asked questions

BPER Banca SpA, originally known as Banca Popolare dell'Emilia Romagna S.C., is an Italian banking group that provides a wide array of traditional banking services. Its offerings cater to individuals, as well as corporate and public entities. The bank offers a comprehensive suite of financial products and services. These include various accounts and deposits, loans for personal needs, education, mortgage, and corporate finance, along with card products, investment solutions, insurance coverage, and treasury services. BPER Banca is also engaged in wealth management, private banking, investment banking, money transfers, and digital banking services, ensuring a broad service portfolio that addresses the needs of individuals, corporate customers, and small and medium-sized enterprises. The company is headquartered in Modena, Emilia-Romagna, Italy, and its shares are listed on the BIT.

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