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Intesa Sanpaolo (ISP) investor relations material
Intesa Sanpaolo Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for H1 2025 reached a record €5.2bn, up 9–9.4% year-over-year, with Q2 also at a record €2.6bn, driven by strong commissions and insurance income.
Return on equity annualized at 20% (22–24% on tangible), and EPS grew year-over-year.
Upgraded 2025 net income guidance to well above €9bn, with further managerial actions planned in Q4 to strengthen future profitability.
Announced total shareholder distributions of at least €8.2bn for the year, including €3.7bn dividends accrued in H1 and a €2bn buyback.
Customer financial assets reached €1.4tn, up €37bn year-over-year, confirming leadership in Wealth Management, Protection & Advisory.
Financial highlights
Operating income rose to €13.8bn (+1.1% YoY); operating margin at €8.5bn (+1.9%); gross income up 2.7%.
Net fee and commission income grew 4.7% year-over-year; insurance income up 2.1%.
Operating costs decreased despite labor contract renewals and tech investment depreciation; cost/income ratio at 38%, best in Europe.
Cash dividends accrued in H1 totaled €3.7bn, with >7% dividend yield expected for 2025.
Customer financial assets reached €1,391bn, up 2.7% year-over-year; assets under management rose 4.5% to €476bn.
Outlook and guidance
Full-year 2025 net income guidance upgraded to well above €9bn, considered sustainable for future years.
Net interest income guidance raised to well above 2023 levels, with further growth expected in 2026.
Fee and commission income expected to grow at mid-single digits, with double-digit growth in wealth management, protection, and advisory.
70% cash payout ratio confirmed, with additional capital distribution to be determined at year-end.
Dividend yield expected to remain above 7%, best-in-class in Europe.
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