Intesa Sanpaolo Group delivered net income of 9.3 billion euros in 2025, marking the best year in its history, with record-high Commissions and Insurance income.

The bank combined revenue growth with tight cost control, achieving a cost-to-income ratio of 42.2%, the lowest in its history and among the best in Europe. Asset quality also continued to improve, with the net non-performing loan ratio falling to a historic low of 0.8%, effectively positioning the group as a “zero-NPL” bank.

Capital strength remained robust. The CET1 ratio stood above 13.9%, up around 110 basis points during the year, or 14.1% when excluding the impact of Italy’s Budget Law.

Shareholders benefited from significant distributions. Intesa paid €6.5 billion in cash dividends, including €3.2 billion in November 2025, and announced a further €2.3 billion share buyback to launch in July 2026, on top of the €2 billion buyback completed in October 2025. The dividend yield stands at 7.5%.

Beyond financial performance, the bank continued to expand its social impact initiatives, deploying €1 billion between 2023 and 2025 to combat poverty and reduce inequalities. Customer financial assets also grew strongly, reaching approximately €1.5 trillion at year-end, up €75 billion from the previous year.

Intesa Sanpaolo said it exceeded all targets set out in its 2022–2025 Business Plan while investing more than originally planned. Shareholder distributions were about 50% higher than initially targeted, and management emphasized that the group’s profitability is driven by structural improvements rather than temporary effects.

Looking ahead, the bank expects to generate around €10 billion in net income in 2026.