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Banca Monte dei Paschi di Siena
Banca Monte dei Paschi di Siena (BMPS) investor relations material
Banca Monte dei Paschi di Siena Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Feb, 2026
Executive summary
FY25 combined group net profit reached €3.0bn before PPA impacts, with standalone net profit at €2,750m, up 17.7% year-over-year, driven by strong fee income and operating performance, excluding positive net tax effects.
Q4 2025 standalone net profit was €1,384m, up 18.5% from Q4 2024, excluding tax effects.
Integration with Mediobanca is progressing rapidly, targeting €700m in annual synergies and establishing a leading, diversified banking platform in Italy.
A new business plan for the combined group will be presented on February 27th, focusing on value creation and maximizing synergies.
Dividend of over €2.6bn (€0.86/share) proposed, yielding 10%, among the highest in the sector.
Financial highlights
FY25 combined net profit reached €3bn before PPA, with standalone net profit at €2.75bn, up 17.7% y/y, and Q4 standalone net profit at €1,384m, up 18.5% y/y, excluding tax effects.
Net operating profit for FY25 was €1.86bn, up 6.4% y/y; Q4 net operating profit was €472m, up 15.3% y/y.
Gross operating profit for FY25 was €2.189bn (+1.1% y/y); cost/income ratio stable at 46%.
Net interest income for FY25 was €2.182bn, down 7.4% y/y due to lower rates, but stabilized in Q4.
Fees and commission income for FY25 was €1.586bn, up 8.2% y/y, with wealth management and advisory fees up 13.3%.
Outlook and guidance
Commercial momentum and fee growth expected to accelerate in 2026, supporting further profit before tax growth.
Net interest income is expected to stabilize and slightly increase in 2026.
The business plan, including updated targets and integration details, will be presented on February 27th.
Mediobanca's strategic role in new Group
What drives fee and commission income growth?
Explain CET1 ratio decline post-acquisition
Synergy delivery: What structure maximizes it?
Dividend sustainability with integration costs?
Q4 NII flatness: What were the specific drivers?
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Next Banca Monte dei Paschi di Siena earnings date
Q1 20267 May, 2026
Banca Monte dei Paschi di Siena
Next Banca Monte dei Paschi di Siena earnings date
Q1 20267 May, 2026
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Frequently asked questions
Banca Monte dei Paschi di Siena S.p.A. (BMPS), also known as MPS, is one of the principal banking groups in Italy, distinguished for its long history and significant presence in the domestic banking sector. Founded in 1472 under the auspices of the Republic of Siena, MPS is recognized as the world's oldest bank in continuous operation. Its journey began as a mount of piety (monte di pietà) and has evolved substantially over centuries, expanding its operations throughout Italy post-unification and diversifying its banking services. Today, MPS provides a comprehensive range of traditional retail and commercial banking services. Additionally, it engages in corporate and investment banking through its subsidiary, MPS Capital Services, and has established a significant footprint both domestically and internationally. The company is headquartered in Siena, Italy, and its shares are listed on the Italian Stock Exchange.
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