Financial statements and reports
Financial statements and reports
Consolidated results as at 31 December 2025
|
Reclassified consolidated income statement
|
31.12.2025
|
31.12.2024
|
Change %
|
|---|---|---|---|
|
Net interest income
|
3,815,243
|
3,376,876
|
+12.98%
|
|
Net commission income
|
2,405,387
|
2,058,435
|
+16.86%
|
|
Operating income
|
6,589,288
|
5,574,637
|
+18.20%
|
|
Operating costs
|
-3,013,543
|
-3,034,242
|
-0.68%
|
|
Net operating income
|
3,575,745
|
2,540,395
|
+40.76%
|
|
Net impairement losses for credit risk
|
-313,955
|
-322,844
|
-2.75%
|
|
Profit (Loss) for the period pertaining to the Parent Company
|
1,818,447
|
1,402,649
|
+29.64%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Titolo
Values in thousands of euros
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Tabella 3 colonne
|
Profitability ratios (*)
|
31.12.2025
|
31.12.2024
|
|---|---|---|
|
ROE
|
17.01%
|
15.81%
|
|
ROTE
|
20.05%
|
16.90%
|
|
Cost to income ratio (**)
|
45.73%
|
54.43%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Titolo
(**) The Cost to income ratio has been calculated on the basis of the layout of the reclassified income statement (operating expenses / operating income).
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Tabella 3 colonne
|
Structural ratios
|
31.12.2025
|
31.12.2024
|
|---|---|---|
|
Number of employees
|
22,259
|
19,508
|
|
Number of national bank branches
|
2,046
|
1,558
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Tabella 3 colonne
|
Risk ratios
|
31.12.2025
|
31.12.2024
|
|---|---|---|
|
Non - performing exposures / net loans to customers
|
1.01%
|
1.12%
|
|
Net bad loans / net loans to customers
|
0.14%
|
0.14%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Tabella 3 colonne
|
Capital and liquidity ratios
|
31.12.2025
|
31.12.2024
|
|---|---|---|
|
CET 1 Ratio
|
14.83%
|
15.82%
|
|
Tier 1 Ratio
|
17.15%
|
17.88%
|
|
Total Capital Ratio
|
19.20%
|
20.77%
|
|
Leverage Ratio
|
6.4%
|
6.6%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Titolo
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Tabella 4 colonne
|
Description
|
31.12.2025
|
31.12.2024
|
Change%
|
|---|---|---|---|
|
Loans to customers
|
128,738
|
90,136
|
+42.83%
|
|
Intangible assets
|
1,608
|
711
|
+126.27%
|
|
of which: goodwill
|
576
|
170
|
+238.61%
|
|
Total assets
|
204,650
|
140,591
|
+45.70%
|
|
Direct customers deposit
|
168,671
|
118,118
|
+42.80%
|
|
Indirect customer deposit
|
229,542
|
167,164
|
+37.32%
|
|
of which managed
|
81,886
|
71,458
|
+14.59%
|
|
of which administered
|
147,856
|
95,706
|
+54.28%
|
|
Bancassurance Life sector
|
24,012
|
21,006
|
+14.31%
|
|
Total shareholders' equity
|
17,595
|
11,564
|
+52.15%
|
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Document title Lorem ipsum
Valore
91.175
Valore
91.175
Valore
91.175
Titolo
value expressed in €/milions
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Vedi
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