Italian banking giant Intesa Sanpaolo reported a 7.6% increase in net profit for 2025, reaching €9.3 billion. The Milan-based bank also announced its intention to return a substantial €8.8 billion to shareholders through dividends and share buybacks. This move reinforces Intesa Sanpaolo's position as a leading, profitable lender in Europe amidst economic uncertainty.

This robust performance was driven by a 6.3% rise in net fee and commission income and a 4.6% increase in insurance business income. While net interest income dipped by 5.9%, it remained above 2023 levels. The bank's focus on cost management also paid off, with operating costs decreasing and the cost-to-income ratio improving.

Intesa Sanpaolo also highlighted improved credit quality, with bad loans decreasing. The bank anticipates net income around €10 billion in 2026 and projects a 95% payout ratio. This includes 75% in cash dividends and 20% through buybacks. The bank's strong capital position, with a Common Equity Tier 1 ratio of 13.9%, further supports its shareholder return plans.