)

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.
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.
Next BPER Banca earnings date

Next BPER Banca earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage