Intesa Sanpaolo Delivers Record €9.3 Billion Net Income in 2025 and Unveils Ambitious 2026–2029 Business Plan
Intesa Sanpaolo announced its full-year results for 2025, reporting a net income of €9.3 billion — the strongest performance in the group’s history. The results were driven by record-high fee income (up 6% year-on-year) and insurance revenues (up 5% year-on-year). Return on equity reached 18%, while return on tangible equity stood at 22%. In addition, more than €1 billion of pre-tax profit was allocated to support future growth and long-term success.
The group achieved its best-ever cost-to-income ratio of 42.2%, alongside historically low levels of non-performing assets and impaired loan inflows, positioning it among Europe’s top-performing banks. The net non-performing loan ratio fell to a record low of 0.8%, with bad loans approaching zero, supported by strong capital growth and substantial value creation for shareholders.
Intesa Sanpaolo exceeded all targets set in its 2022–2025 business plan, with investments surpassing initial expectations and shareholder distributions around 50% above plan. Profitability was underpinned by structural, not temporary, factors, placing the group on track to achieve approximately €10 billion in net income in 2026.
Alongside the annual results, the group presented its new 2026–2029 business plan, built around sustainable profitability, disciplined execution, and scalable growth. The strategy targets a return on equity above 20% through a technology- and fee-driven business model, a structural reduction in absolute costs, and the continued objective of operating as a non-performing loan–free bank.
The plan represents the most technology-focused and internationally oriented strategy in the group’s history, with low-risk execution supported by Intesa Sanpaolo’s proven integration capabilities. International banking has been identified as a key growth engine outside Italy, leveraging a successful domestic business model.
Within this framework, Bank of Alexandria, part of the group’s International Banks Division, draws on Intesa Sanpaolo’s global expertise and advanced banking technologies to strengthen its position as a leading player in the Egyptian banking sector, in line with the group’s overall strategy.