Profits to rise sharply in 2025 for Finint Bank which announced the update of the plan to 2027 thanks to the solidity of the results achieved, while the CEO Lucio Izzi opens up to possible opportunities for growth through external lines.
Banca Finint: Net profit grows 89%, net interest income up 13%.
Banca Finint has closed 2025 with a net profit of 31 million of euros and a gross profit of 40 million. In the first case, this is a growth of 89%, in the second of a 55% increase.
Double-digit increase for the Assets under management and consultancy increased by 10% to 13,7 billion euros (from 12,4 billion in 2024).
Looking at other indicators, the intermediation margin grew by 13% at 161,7 million, with commission revenues of 115,5 million (+10%) equal to 71% of the intermediation margin. interest margin rose to 32,2 million (+18%), "despite a sector context characterized by a contraction in margins fueled by high interest rates and in a period that rewards the weight of commissions and services," Banca Finint underlines in a note.
From an asset point of view, the Cet1 is equal to 16,8% and a RoTE of 22%, percentages that highlight "profitable growth with high profitability", the note explains. The bank's liquidity profile also remains at solid levels, with a Liquidity Coverage Ratio at 196% and a Net Stable Funding Ratio of 182%, “confirming itself considerably above regulatory requirements”.
Finint Bank: Plan extended to 2027
The 2025 targets “have allowed us to outperform the annual objectives of the 2024-2026 strategic plan, leading us to update its time horizon to 2027 with ambitious growth targets confirming our commitment to long-term sustainable and profitable development,” announced Lucio Izzi, CEO of the group.
Specifically, the 2024-2026 plan horizon has been extended to 2027. "Sustainable growth, operational efficiency, high profitability, and capital strength remain the strategic pillars of the updated 2027 Plan," the statement reads. Banca Finint aims for revenues of 185 million euros, with a CAGR of 10%. Assets under management should reach €15 billion, with a growth of 10%. The ROTE should stand at 20%, the Cost/Income Ratio below 76%, and a CET1 ratio above 16%.
Product enhancement expected to 2027 the extension of the Bond & Loan offering, the growth of the range of ancillary services for securitization transactions. Finint Investments is focusing on greater product innovation and increased distribution capacity.
CEO Izzi: "We are evaluating external growth."
“We will evaluate the "opportunities" for growth through external lines “that the market represents us, but we will do it with discipline and operations non-dilutive profitability and in line with our way of doing business,” CEO Izzi said in a call with journalists commenting on the results. “The sectors we are looking at are Wealth & Private and Asset Management, where we have ambitions for accelerated growth” to conquer “new market shares” and “acquire value”.
“After the best year ever”, the Banca Finint group, chaired by Enrico Marchi (pictured), has decided to “launch the internationalization plan that one of the drivers of development and growth” with the entry into Luxembourg, added the manager, explaining that “after the recent authorization to carry out our banking activity in Luxembourg, “a market which is approximately six and a half times the Italian one”, “we are working hard to become operational in the country in the second half of 2026“, He continued.
“Our goal is to reach a significant market share, which we imagine it can achieve 10% over a period of approximately three years", added Izzi, considering that in Italy the institute has "a leadership position, with a market share of over 50%, compared to direct competitors." Once "we have completed the activation of our presence in Luxembourg, we clearly intend to expand our activities to other significant entities within Europe," but "always with a sustainable approach."
Izzi: "Over 20% of our revenue comes from technology."
“We have started a digital transformation plan, which will see us invest over 20% of our revenues in technology, starting with infrastructure”, such as the “data center with the highest standards available in Italy today,” said Izzi, highlighting that the “cybersecurity will remain one of the keys to great competition and one of the positioning challenges for our customers."
