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FinecoBank Banca Fineco (FBK) investor relations material

FinecoBank Banca Fineco 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 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.

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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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