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Intesa Sanpaolo (ISP) investor relations material
Intesa Sanpaolo Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Achieved record 9M net income of €7.6bn, up 6% year-over-year, with a 20% return on equity and strong Q3 performance in commissions and insurance income.
All-time highs in commissions and insurance income for both 9M and Q3; customer financial assets exceeded €1.4 trillion, growing by €33bn year-over-year.
Returned €8.3bn to shareholders in 2025, including €5.3bn in dividends accrued, €3.2bn interim dividend, and a €2bn share buyback completed in October.
Business model resilience confirmed by EBA stress test and credit rating upgrades from Fitch, DBRS, and Moody’s.
Significant ESG initiatives included €4.6bn in taxes generated, expansion of social programs, and €24.9bn in social lending and urban regeneration since 2022.
Financial highlights
Net interest income was resilient at €11.1bn despite a significant Euribor decline; net fee and commission income rose 5.1%, and insurance business income up 4.7%.
Cost/income ratio improved to a best-in-class 38.9%, with operating costs down 0.4% year-over-year.
Operating margin grew 0.2% to €12.5bn; gross income rose 1.3% to €11.6bn.
Customer financial assets increased 2.1% to €1,411bn.
Dividend yield estimated at ~7% for 2025, with a 70% cash payout ratio.
Outlook and guidance
Confirms full-year 2025 net income guidance of well above €9bn, with further growth expected in 2026 and additional distributions to be determined.
Expects net interest income to rebound in Q4 and increase in 2026, supported by hedging strategy and limited further loan repricing.
Revenue growth anticipated from resilient net interest income, higher fee and commission income, and insurance business, while operating costs are expected to decrease further.
Plans to announce a new dividend policy in early February, considering higher payout ratios and potential share buybacks.
Cash payout ratio of 70% of consolidated net income is planned, with an increase in dividend per share for 2025.
Detail tech-driven operating cost reduction
What are key non-NII revenue growth drivers?
How is capital efficiency being optimized?
New dividend policy: What is the payout mix?
NII outlook: What drives 2026 NII increase?
Isytech: Key efficiency levers for new plan?
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Next Intesa Sanpaolo earnings date
Q4 20253 Feb, 2026
Next Intesa Sanpaolo earnings date
Q4 20253 Feb, 2026
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Frequently asked questions
Intesa Sanpaolo S.p.A. is a banking group providing retail, corporate, and wealth management services. Its offerings include loans, deposits, insurance, asset management, and investment banking. The group serves individuals, businesses, and institutions primarily in Italy and select international markets. The company is headquartered in Turin, Italy, and its shares are listed on the BIT.
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