Intesa Sanpaolo achieved a record six-month net income of €5.2 billion in 1H25, with a 20% Return on Equity. The bank upgraded its 2025 net income guidance to well above €9 billion, attributing strong revenue growth and cost efficiency to the success. Customer financial assets reached €1.4 trillion, with a Cost/Income ratio of 38%.
The bank invested €4.6 billion in digital transformation, hiring 2,350 IT specialists and migrating 63% of applications to the cloud. Isybank, the digital challenger bank, now serves one million clients. Intesa Sanpaolo’s commitment to social impact includes deploying over €800 million from 2023 to 1H25 to combat poverty and inequality.
CEO Carlo Messina highlighted the bank’s resilience in navigating geopolitical uncertainty and emphasized its strong profitability and social impact initiatives. Intesa Sanpaolo’s CET1 ratio stands at 13.5%, with capital generation increasing by approximately 65 basis points. The bank is on track to deliver significant returns to shareholders in 2025.
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