Here’s a breakdown of the key financial data for BdM Bank from the provided text, covering the 2025 financial year (compared to 2024 where available):
Key Financial Results (2025 vs. 2024):
* Net Profit: €31.83 million (vs. €22.40 million) – Importent Increase
* Loans to Families & Businesses: €1,405.20 million (+39% from ~€1,010.82 million) – Strong Growth
* Total Collection from Customers: €12,072.89 million (+8.2% from €11,159.21 million) – Growth
* Intermediation Margin: €361.25 million (+5.6% from €342 million)
* Net commissions: €117.30 million (+15.8% from €101.26 million)
* Interest Margin: €221.94 million (-6% from €236.01 million)
* Net Value Adjustments for Credit Risk: €68.99 million (vs. €59.57 million)
* Operating costs: €266.23 million (vs. €260.46 million, +2% administrative expenses)
* Cost/Income Ratio: 68.9% (vs. 71.9%) – Advancement
* Securities Portfolio: €2,126.12 million (+27.1% from €1,672.83 million)
* Net Loans to Customers: €6,102.89 million (+7.9% from €5,657.26 million)
* Impaired Loans (Net Book Value): €168.27 million (vs. €212.23 million) – Decrease
* Coverage Ratio: 45.3% (vs. 47.6%) – Slight Decrease
* gross NPE Index: 4.9% (vs. 6.9%)
* Net NPE Index: 2.8% (vs. 3.8%)
* CET1/Tier 1 Ratio: 14.47% (vs. 12.99%) – Improvement
* Total Capital Ratio: 16.39% (vs.14.93%) – Improvement
Key strategic Activities:
* Derisking: “Phoenix” operation completed (sold €122 million in non-performing loans). “Sirio” operation nearing completion (€34 million in non-performing loans to be sold).
* Branch Plan: Approved and launched to optimize territorial coverage.
* Focus: Continued growth in loans to support families and businesses in Southern Italy.
Date: The data refers to December 31, 2025 (with comparisons to December 31, 2024).
Keep reading