Milano, July 30, 2025 — Italy’s leading bank, Intesa Sanpaolo, announced robust financial results for the second quarter of 2025, with net profits reaching €2.6 billion, surpassing market expectations. Revenues stood at €7 billion, driven by strong trading performance and solid fee income.
The bank’s first-half net income rose to a record €5.2 billion, marking a 9.4% increase compared to the previous year. Intesa reaffirmed its full-year net profit guidance of above €9 billion, even after accounting for expected one-off charges planned for the fourth quarter.
In a strategic move to sustain future profitability, Intesa revealed it will undertake managerial actions including voluntary staff exits, provisions for non-performing loans, and write-downs on legacy IT systems. These efforts aim to enhance operational efficiency and reduce costs over the long term.
CEO Carlo Messina highlighted the bank’s ongoing digital transformation efforts, noting that approximately 63% of applications have been migrated to the cloud. Its digital banking platform, Isybank, has surpassed one million customers, reflecting strong growth in digital services.
With a cost-to-income ratio of 38% and a robust CET1 capital ratio of 13.5%, Intesa Sanpaolo continues to demonstrate resilience and operational strength in a competitive European banking environment.
Investor response has been positive, with shares rising to an 18-year high following the earnings announcement.
Leave a comment