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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.
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Q2 2025 earnings summary30 Jul, 2025

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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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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