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BPER Banca
BPER Banca (BPE) investor relations material
BPER Banca Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved record adjusted net profit of €2.1bn in FY25, with strong commercial performance and a proposed dividend payout of €1,368M (75% payout ratio), up 60% year-over-year.
Total revenues reached €6.6bn, with core revenues at €6.2bn, and cost/income ratio improved to 45.7%.
Market share increased to 11% from 8% in 2023, with expanded branch presence in Northern Italy.
Integration of Banca Popolare di Sondrio (BIPSO) is on track, with regulatory approval received and full completion expected by April 2026.
Shareholder remuneration reached 220% since April 2024, with market capitalization rising to over €24bn.
Financial highlights
Total operating income was €6.6bn (+18.2% YoY), with adjusted net profit at €2.1bn.
Cost-to-income ratio improved to 45.7% (47.2% like-for-like), down 314bps year-over-year.
Loan loss provisions at €316M; cost of risk at 24bps (34bps like-for-like).
Return on tangible equity at 20%; CET1 ratio at 14.8%.
Organic capital generation of €2.3bn (340bps) in the last 12 months.
Outlook and guidance
Expectation to continue growth trajectory in 2026 on a like-for-like basis, with further guidance post full BIPSO integration.
Dividend payout ratio may be revised upward if strong capital generation persists.
Conservative budgeting for 2026 with interest rates at 1.75%.
Business plan targets >14.5% CET1 ratio and further cost reductions, with focus on digital transformation and ESG lending.
Macroeconomic environment remains uncertain, with Italy's GDP expected to grow by 0.6% in 2026.
BPS integration costs and PPA impact on profit
Future dividend policy given 2025 payout
Evaluate NPE coverage ratios strength
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Next BPER Banca earnings date
Q1 20266 May, 2026
BPER Banca
Next BPER Banca earnings date
Q1 20266 May, 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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