)
Visual
earnings real time
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next BPER Banca earnings date
Q4 20256 Feb, 2026
Next BPER Banca earnings date
Q4 20256 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage