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Banca Mediolanum
Banca Mediolanum (BMED) investor relations material
Banca Mediolanum Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary3 Feb, 2026
Executive summary
Achieved record net income of €1.238 billion in 2025, up 11% year-over-year, with strong core profitability, commercial momentum, and robust business fundamentals.
Net commission income rose 12% to €1.313 billion, supported by strong managed asset inflows and high-quality service.
Customer base expanded 6% to over 2 million, with continued growth in Family Banker and Private Banker networks.
Proposed a €1.25 per share dividend, up 25% from 2024, including a base of €0.80 and a portion from non-recurring items.
Extraordinary €2,000 bonus awarded to all employees and Family Bankers for 2025 performance.
Financial highlights
Total net inflows reached €11.64 billion (+11%), with managed asset inflows up 18% to €9.06 billion.
Total assets under administration increased 12% to €155.8 billion; credit book expanded to €18.98 billion (+8%).
Loans granted surged 28% to €3.96 billion; general insurance gross premiums grew 20% to €246.4 million.
Cost/income ratio improved to 37.6%, below the 40% target.
Net Non-Performing Exposures ratio at 0.77%; CET1 ratio at 23.0%.
Outlook and guidance
2026 guidance: net inflows into managed assets targeted at €9 billion, assuming normal markets.
Net interest income expected to rise about 10% versus 2025, with cost/income ratio around 38%.
Cost of risk projected at 20 bps; base dividend per share to increase from €0.80.
Explain NII stability despite rate drops
Analyze the 2025 performance fees decline
Why is 2025 base dividend
0.80 for 2026 guidance?
Grandi Patrimoni: expected margin impact?
NII guidance sensitivity to Euribor?
Project NEXT: future network productivity gains?
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Next Banca Mediolanum earnings date
Q1 20267 May, 2026
Banca Mediolanum
Next Banca Mediolanum earnings date
Q1 20267 May, 2026
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Frequently asked questions
Banca Mediolanum S.p.A., originally founded as Programma Italia SpA in 1982 and transformed into its current form in 1997, is an Italian financial institution that provides a wide array of banking, insurance, and asset management services. Its offerings include various types of accounts and deposits, such as current and savings accounts, along with debit, credit, and prepaid cards. The bank also provides mortgages, loans, and e-banking solutions, catering to both individual and family needs. Banca Mediolanum emphasizes tailored, comprehensive financial solutions delivered through innovative and user-friendly technological platforms. The company also engages in investment solutions like mutual funds, unit-linked policies, bond issues, certificates, financial planning and advisory, asset management, and trading services. Additionally, it offers life and non-life insurance, private banking, and pension services. The company is headquartered in Basiglio, Milan, Italy, and its shares are listed on the Borsa Italiana under the ticker symbol BMED.
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