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Credito Emiliano (CE) investor relations material
Credito Emiliano 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
Net profit for H1 2025 was €371.8M (up 14.8% YoY); normalized net profit was €278M, reflecting a €93.7M gain from the merchant acquiring sale.
Loans grew 4.3% YoY, outpacing the Italian banking system's 0.5% growth; customer funding increased 2.6% to €107.1B.
Customer base expanded by 6% YoY to 1.6 million, with over 94,000 new customers acquired.
Asset quality and capitalization remained among the best in Italy and Europe, confirmed by ECB stress tests.
Annualized ROT at 15.4% and ROE at 13.6%.
Financial highlights
Operating income for H1 2025 was €937M; net interest income fell 16.8% YoY to €474.4M, while non-interest margin rose 0.7% to €462.7M.
Personnel expenses and operating costs decreased sequentially, but cost/income ratio rose to 49.3% from 43.2% in 1H24.
Cost of risk at 3 bps, aided by NPL disposals and low LLPs.
Net inflows from asset management and insurance reached nearly €1.5B.
Profit before taxes rose 5.5% to €507M; taxes decreased 13.7% to €135.2M.
Outlook and guidance
NII for 2025 expected to be 15% lower than 2024 due to rate declines, with stabilization in 2026; hedging strategies to support NII.
Loan growth guidance for 2025 and 2026 at 2.5–3% annually, driven by private and some corporate demand.
Management and brokerage fees expected to grow above 5% despite lower performance fees; commission income to remain robust.
Cost of risk guidance for 2025 at 15 bps, with tariff impacts already included.
Operating costs will be impacted by labor agreements and investments in digital transformation and AI.
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Next Credito Emiliano earnings date
Q3 20256 Nov, 2025
Next Credito Emiliano earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
Credito Emiliano S.p.A. (commonly known as Credem) is an Italian banking group offering a wide range of financial services. The company provides personal and business banking services, including savings accounts, loans, mortgages, and credit cards. In addition, Credem offers investment services, asset management, insurance products, and financial advisory. The bank serves individual clients, small and medium-sized enterprises (SMEs), and corporate customers. Credem operates through a network of branches and digital platforms, ensuring comprehensive banking and financial solutions across Italy. The company is headquartered in Reggio Emilia, Italy, and its shares are listed on the Borsa Italiana.
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