Italy · Delayed Price · Currency is EUR Credito Emiliano Earnings Call Transcripts
Fiscal Year 2026
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Net profit rose 12.5% year-on-year to EUR 312.9 million, driven by strong organic growth, record recurring revenues, and robust asset quality. Guidance points to at least 5% NII growth and double-digit fee increases for 2026, supported by a solid capital base.
Fiscal Year 2025
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Reported record net profit of €621.5M for 2025, with strong loan and customer growth, robust capital ratios, and a proposed €0.75 dividend per share. Outlook for 2026 is stable, with flat interest margin and continued focus on digital innovation and commission growth.
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H1 2025 saw strong profitability with net profit of €372 million and robust asset quality, supported by diversified revenue streams and disciplined cost control. Guidance anticipates stable loan growth, resilient fee income, and a conservative risk profile amid ongoing market uncertainty.
Fiscal Year 2024
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2024 delivered record profitability, robust capital, and asset quality, with net profit up 10% to €620 million and CET1 at 15.5%. Growth in loans, funding, and customer base outpaced the industry, while investments in digitalization and ESG initiatives support future resilience.
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Record net profit, strong capital, and best-in-class asset quality marked H1 2024, with diversified revenue streams and organic growth outpacing the industry. Guidance for NII is now flat, and non-interest income will be key as rates decline.