In the first half of 2025, Intesa Sanpaolo delivered its best-ever six-month Net income, at 5.2 billion euros, with an annualized Return on Equity (ROE) of 20 percent, and record-high revenues, Commissions and Insurance income.

These results enabled an upgrade to the full-year net income guidance of 2025 to above 9 billion euros, including Q4 managerial actions to strengthen future profitability.

“Intesa Sanpaolo continues to strengthen its unique position among Europe’s leading banks — delivering a return on equity (ROE) of 20 percent and one of the highest shareholder returns in the sector, while advancing a wide-reaching programme to reduce inequality”, said Carlo Messina, CEO of Intesa Sanpaolo, as the banking group published its first-half 2025 earnings.

In 2025, the bank will distribute 8.2 billion euros- including over 3 billion euros in final dividends paid in May, a 2 billion euros buyback launched in June, and a 3.2 billion euros interim dividend to be paid in November. Additional capital distribution will be quantified at the end of the year.

The technological transformation enabled by isytech – Intesa Sanapolo’s cloud-based digital platform – is accelerating: IT investments reached 4.6 billion euros, enabling generational change and significant efficiency gains. IT specialists hired are ~2,350 and 63 percent of applications is already cloud-based.