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BPER Banca
BPER Banca (BPE) investor relations material
BPER Banca Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net profit reached €1.5 billion in 9M25, up 30% year-over-year, driven by strong commissions, cost efficiency, and record results.
Integration of BPSO/Banca Popolare di Sondrio is progressing on schedule, with 23 workstreams active and full merger completion targeted for mid-April 2026.
A new regional headquarters, Lombardia Nord, was established to consolidate market share in Lombardy.
Investment in young talent and generational change initiatives are underway, with ongoing discussions for voluntary staff exits.
Interim dividend of €0.10 per share approved, with a total payout of €196.4 million.
Financial highlights
Total revenues reached €4.6 billion, with core revenues at €4.4 billion and net profit at €1.5 billion for the first nine months.
Operating costs decreased by 3.7% to €2,135.7 million, improving operational efficiency.
Cost/income ratio improved to 46% (down over 270 bps year-over-year).
Total financial assets grew 5.3% since plan launch, reaching €414 billion with BPSO.
Net loans to customers increased to €125.9 billion, up 39.7% from year-end 2024.
Outlook and guidance
FY25 guidance projects total revenues of ~€6.4 billion, net profit expected at €1.5 billion, and cost/income ratio below 48%.
CET1 ratio expected to remain above 14.5%.
Synergies of €290 million targeted by 2027, with integration costs totaling €400 million, mostly expensed in 2025.
Dividend payout ratio confirmed at up to 75% of combined profit, with interim dividend paid.
Updated business plan for the combined group to be presented by mid-2026.
Quantify BPSO's 3-month net profit contribution
What adjustments affect the 9M25 CET1 ratio?
What revenue streams offset NII decline?
What factors influence future buyback decisions?
BPSO integration: key financial impacts beyond synergies
NII stability drivers for 2026
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Next BPER Banca earnings date
Q4 20255 Feb, 2026
BPER Banca
Next BPER Banca earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
BPER Banca SpA, originally known as Banca Popolare dell'Emilia Romagna S.C., is an Italian banking group that provides a wide array of traditional banking services. Its offerings cater to individuals, as well as corporate and public entities. The bank offers a comprehensive suite of financial products and services. These include various accounts and deposits, loans for personal needs, education, mortgage, and corporate finance, along with card products, investment solutions, insurance coverage, and treasury services. BPER Banca is also engaged in wealth management, private banking, investment banking, money transfers, and digital banking services, ensuring a broad service portfolio that addresses the needs of individuals, corporate customers, and small and medium-sized enterprises. The company is headquartered in Modena, Emilia-Romagna, Italy, and its shares are listed on the BIT.
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