مال وأعمال

Intesa Sanpaolo Reports €9.3 Billion Net Income in 2025 and Unveils 2026–2029 Business Plan Targeting €11.5 Billion by 2029

إيمان شعبانالأحد 22 فبراير 2026

Intesa Sanpaolo announced its full year 2025 financial results delivering net income of €9.3 billion marking the strongest performance in the Group’s history
The results were driven by record high commissions up 6 percent compared to FY24 and insurance income up 5 percent year on year Return on Equity reached 18 percent while Return on Tangible Equity stood at 22 percent In addition more than €1 billion in pre tax profit was allocated to support future growth and long term success

RECORD OPERATIONAL EFFICIENCY AND HISTORICALLY LOW NON PERFORMING LOANS

The Group achieved a best in class cost income ratio of 42.2 percent alongside the lowest ever stock and inflows of non performing loans positioning it among Europe’s top performing banks
The net NPL ratio declined to 0.8 percent an all time low with bad loans reset to near zero The Group also reported strong capital growth and significant value creation for stakeholders

OVER DELIVERY ON 2022–2025 BUSINESS PLAN TARGETS

Intesa Sanpaolo exceeded all targets set out in its 2022–2025 Business Plan while investing more than originally planned Shareholder distribution was approximately 50 percent higher than the Business Plan target
The profitability achieved is driven by structural factors rather than temporary effects positioning the Group to deliver approximately €10 billion in net income in 2026

2026–2029 BUSINESS PLAN FOCUSED ON SUSTAINABLE PROFITABILITY

Alongside its annual results Intesa Sanpaolo unveiled its 2026–2029 Business Plan centered on sustainable profitability disciplined execution and scalable growth
The plan is the most technology driven and internationally oriented strategy in the Group’s history designed to be delivered with no material execution risk supported by the Group’s proven ability to extract intragroup synergies
The International Banks Division is positioned as a key growth driver outside Italy leveraging a business model that has already proven successful domestically
The Group targets net income above €11.5 billion by 2029 with Return on Equity of 22 percent and Return on Tangible Equity of 27 percent
Absolute costs are expected to decline by 1.8 percent between 2025 and 2029 with the cost income ratio falling to 36.8 percent by 2029 while continuing to invest in technology and growth initiatives
Revenues are projected to grow at a 3 percent compound annual growth rate over the 2025–2029 period mainly driven by commissions with Customer Financial Assets reaching approximately €1.7 trillion
The net NPL ratio is expected to remain below 1 percent with a structurally low cost of risk ranging between 25 and 30 basis points supported by high quality loan origination
The Common Equity Tier 1 ratio will be maintained above 12.5 percent throughout the plan period
The Group also committed to an additional contribution of around €1 billion between 2026 and 2029 to support people in need fight poverty and reduce inequalities

Within this framework ALEXBANK part of the Intesa Sanpaolo Group under the International Banks Division leverages the Group’s global expertise and best in class banking technology practices to reinforce its position as a leading player in the Egyptian banking sector in line with the Group’s international strategy

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إيمان شعبانالأحد 22 فبراير 2026
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