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Banco di Desio e Della Brianza SPA ( (IT:BDB) ) has provided an update.
Banco di Desio e della Brianza reported preliminary 2025 consolidated net profit of €127.3 million, essentially flat year on year, with a 9.3% return on equity and a shift in revenues toward fee income from wealth management and bancassurance as net interest income declined amid changing rates. The group strengthened its balance sheet with improved asset quality, higher capital ratios, robust liquidity, a 50% dividend payout with an 11% higher total dividend, completion of a share buyback, and plans for a new 2026 buyback program, while modest loan and funding growth and adherence to the Principles for Responsible Banking support its strategic positioning and shareholder returns.
Customer loans and funding increased, with gross loans to ordinary customers up 2.5% to €12.7 billion and direct funding up 5.8% to €16.7 billion, alongside indirect funding of €23.6 billion and wealth management assets surpassing plan targets at €10.3 billion. Asset quality continued to improve, with the gross NPE ratio down to 2.7%, cost of risk reduced to 33 basis points, and strong coverage levels, while CET1 rose to 18.3% and total capital to 19.3%, comfortably above regulatory requirements despite an extraordinary contribution charged to equity under new Italian law.
Bancassurance revenues jumped over 30%, boosted by strong growth in life and protection premiums and a new partnership, and consumer lending expanded thanks to the merger of subsidiary Fides with Dynamica, making it the fifth-largest player in its segment. At parent-company level, profit rose 6.9% to €134.2 million despite lower operating income, supported by fee growth, controlled operating expenses, and capital ratios that significantly exceed minimum regulatory thresholds, underpinning the bank’s capacity to fund growth and maintain generous shareholder remuneration.
The most recent analyst rating on (IT:BDB) stock is a Hold with a EUR9.50 price target. To see the full list of analyst forecasts on Banco di Desio e Della Brianza SPA stock, see the IT:BDB Stock Forecast page.
More about Banco di Desio e Della Brianza SPA
Banco di Desio e della Brianza S.p.A. is an Italian regional banking group focused on retail and commercial banking, wealth management and consumer lending. The bank serves households and businesses through traditional lending, asset management, bancassurance and salary-backed and personal loans, with a growing emphasis on sustainable finance and responsible banking principles.
Average Trading Volume: 122,123
Technical Sentiment Signal: Buy
Current Market Cap: €1.2B
For an in-depth examination of BDB stock, go to TipRanks’ Overview page.