FinecoBank SpA (OTCPK:FCBBF)

Q3 2025 FinecoBank Banca Fineco SpA Earnings Call Transcript

Nov 5, 2025 / 10:30 AM GMT

Release Date Price: $22.47

Transcript

Key Points

Positve

FinecoBank SpA (FCBBF) reported a net profit of 480.5 million and revenues of 969.6 million for the first nine months of 2025, indicating strong financial performance.
The company experienced a 10% year-on-year increase in investing and a 16.5% rise in brokerage, driven by an expanded active investor base.
Operating costs were well-managed at 259.9 million, with a cost-income ratio of 26.8%, highlighting operational efficiency.
FinecoBank SpA (FCBBF) added approximately 145,000 new clients, a 33% increase year-on-year, showcasing robust client acquisition.
The bank's capital position remains strong with a common equity Tier 1 ratio of 23.9% and a leverage ratio of 5.11%, ensuring financial stability.

Negative

Banking fees are expected to decrease slightly in 2025 compared to 2024 due to new regulations on instant payments.
Operating costs are projected to grow around 6% year-on-year, excluding additional costs for growth initiatives.
The company faces challenges in the crypto sector, with ongoing talks with regulators and no immediate updates on obtaining necessary licenses.
FinecoBank SpA (FCBBF) has no significant appetite for residential mortgages, which could limit growth in lending.
The Italian budget law's potential impact remains unclear, adding uncertainty to future financial projections.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FBK.MI - FinecoBank Banca Fineco SpA
Q3 2025 FinecoBank Banca Fineco SpA Earnings Call
Nov 05, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Good morning. This is the Cosco conference operator. Welcome and thank you for joining the Finco 3rd quarter 2025 results conference call. As a reminder, all participants are in listen-only mode. After the presentation, there will be an opportunity to ask questions. Should anyone need assistance during the conference call, they may signal an operator by pressing and 0 on the telephone. At this time, I would like to turn the conference over to Mr. Alessandro Forti, CEO and general manager of Fineco.

Please go ahead, sir.

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Unidentified_2 [2]
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