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FinecoBank Banca Fineco Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net profit for 1H25 was €317.8M, nearly flat year-over-year, with revenues at €644.4M and cost/income ratio at 26.9%.
Client acquisition accelerated, with 99,724–100,000 new clients in 1H25 (+35.5% YoY), and July adding up to 50,000 new clients (+20% YoY).
Total Financial Assets rose to €147.8B, up 5% from December 2024, driven by strong net sales and client growth.
AI-powered initiatives and new investment solutions are enhancing productivity, net sales, and business mix.
Capital and liquidity positions remain robust, with CET1 ratio at 23.5%, TCR at 32.1%, leverage ratio at 5.2%, LCR at 912%, and NSFR at 403%.
Financial highlights
Net profit for 1H25: €317.8M, nearly flat YoY; revenues: €644.4M, down 2.1% YoY as lower net financial income (-13.3%) was offset by higher non-financial income (+12%).
Operating costs rose to €173.1M (+8% YoY), mainly due to business growth and AI initiatives.
Cost/income ratio at 26.9–27%, reflecting strong operating leverage.
Investing revenues grew 9.8–10% YoY; brokerage revenues up 15–20.5% YoY, with July net sales at ~€1.1B (+45% YoY).
Asset under management net sales surged 80.2% YoY to €2.6B in 1H25.
Outlook and guidance
Investing and brokerage revenues expected to reach record levels in 2025, with every €1B AUM change from August 1 generating €2.9M in management fees for the year.
Operating costs projected to grow ~6% YoY, excluding €5–10M for growth initiatives; cost/income ratio to remain below 30%.
Payout ratio expected at 70–80%; leverage ratio target above 4.5%.
Cost of risk forecasted between 5–10 bps for 2025.
Banking fees expected to decrease slightly in FY25 due to new instant payment regulations.
Explain FAM's strategy for equity investments.
How does AI enhance service for advisors?
What is the outlook for brokerage revenues?
Update on Fineco's crypto strategy?
AI's impact on revenue and costs?
FAM's ETF vs other ETFs profitability?
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Next FinecoBank Banca Fineco earnings date
Q3 20255 Nov, 2025
Next FinecoBank Banca Fineco earnings date
Q3 20255 Nov, 2025
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Frequently asked questions
FinecoBank Banca Fineco S.p.A. provides banking, investment, and trading services through a digital platform. The company offers current accounts, brokerage, asset management, and lending products primarily to retail clients in Italy. It operates with a direct banking model supported by financial advisors. The company is headquartered in Milan, Italy, and its shares are listed on the BIT.
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