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Credito Emiliano
Credito Emiliano (CE) investor relations material
Credito Emiliano Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Net profit reached EUR 621.5 million for 2025, with normalized net profit at EUR 522.8 million, excluding a one-off gain of EUR 98.6 million from the sale of merchant acquiring activities.
Loans to customers grew 3.6% year-over-year to EUR 37.7 billion, outpacing the industry average, and the customer base expanded by 5.8% to 1.7 million, with over 181,000 new customers acquired.
Total customer funding rose 8.4% year-over-year to EUR 114.1 billion, with record net inflows and total business volumes at EUR 151.7 billion.
Continued investment in digital transformation and technology, including 76 million remote operations and 30 AI solutions deployed, to enhance operational efficiency and customer experience.
Proposed dividend of EUR 0.75 per share, representing a 4.7% yield and consistent with prior year.
Financial highlights
Operating income for FY25 was EUR 1,883.5 million, down 7.3% year-over-year, with net interest income at EUR 973.9 million (-13% y/y) and non-interest margin stable at EUR 909.6 million.
ROE at 14.7% (normalized 12.4%), ROTE at 16.7% (normalized 14.1%), among the highest in the sector.
NPL ratio at 1.6% (gross) and net NPL at 0.7%, with coverage at 59.2% and comprehensive coverage at 60.6%.
CET1 ratio at 16.99% (Banking Group) and 15.82% (Holding), providing a 727 bps buffer over requirements.
Liquidity ratios (NSFR 141%, LCR 177%) and loan-to-deposit ratio (0.92) remained robust, with liquidity reserves at EUR 18.9 billion.
Outlook and guidance
Management expects continued organic growth, supported by strong capital and liquidity positions, with interest margin expected to remain flat in 2026 and a target of 3% volume growth.
Commission income projected to grow slightly above 2025 levels, driven by management and brokerage fees.
Ongoing investments in digital transformation and AI to enhance efficiency and customer experience.
Dividend proposal of EUR 0.75 per share, maintaining stable shareholder remuneration.
Focus on maintaining cost of risk below 20 basis points for the next 12 months.
Core profit growth drivers for 2026
Cost/income ratio trajectory for 2026
Avvera's white label growth outlook
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Next Credito Emiliano earnings date
Q1 20265 May, 2026
Credito Emiliano
Next Credito Emiliano earnings date
Q1 20265 May, 2026
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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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