Intesa Sanpaolo scores record performance
Record Revenue and Profit
Intesa Sanpaolo recorded its highest ever results for a six-month period, with a net profit of €5.2 billion, historical commission and insurance income, and an annual Return on Capital (ROE) of 20%.
These excellent results have enabled us to raise expectations for annual net profit for 2025, which is now forecast to be well over €9 billion, including strategic management actions in the fourth quarter to ensure long-term profitability sustainability.
Capital Allocation and Dividends
The bank maintains one of the highest dividend rates in Europe, with a 70% cash profit distribution. By the end of the first half of the year, around €3.7 billion in cash dividends have been accumulated.
For 2025, the total capital allocation will amount to no less than €8.2 billion, structured as follows:
- €3+ billion final dividends paid in May
- €2 billion share buyback program, launched in June
- €3.2 billion intermediary dividend to be paid in November
The additional distribution will be confirmed at the end of the year.
Strong Capital Position and Operating Profitability
The group has further strengthened its capital position, increasing its full CET1 ratio to 13.5%, an increase of 65 basis points in the first half of the year.
Operating costs have been excellently managed, reaching the lowest historical cost/income ratio of 38.0%, one of the best in Europe.
Key Financial Indicators
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Leader in Wealth Management and Insurance
With around €1.4 trillion in client financial assets, Intesa Sanpaolo is the undisputed leader in Wealth Management, Advisory and Insurance. Commission and insurance income continue to support the Group's long-term growth and sustainable performance, especially thanks to the integrated Bancassurance model.
Digital Transformation and Technology Investments
Through the isytech digital platform, investments in technology have reached €4.6 billion, accelerating generational transformation and significantly increasing operational efficiency. Around 2,350 IT specialists have been hired, and 63% of applications are already cloud-based.
Preparation for any economic scenario
Intesa Sanpaolo is fully equipped to maintain performance in any market context, thanks:
- Stable profitability and strong capital even in adverse scenarios
- A diversified business model with integrated product factories
- Sound loan portfolio and a net NPL ratio of only 1.0%
- Significant investments in technology
- Strategic flexibility in cost management
- A stable leadership team with extensive experience in exceeding objectives
For more information or to download the full financial report, please visit the official website of Intesa Sanpaolo.
