Banco BPM SpA (CHIX:BAMIM) Net Loan: €97,743 Mil (As of Dec. 2025)

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CHIX:BAMIM Banco BPM SpA CHIX:BAMIM
59 GF Score
Price €15.62
GF Value €7.42
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Banco BPM SpA Net Loan?

Banco BPM SpA CHIX:BAMIM 59 Net Loan is €97,743 Mil as of Dec. 2025. GuruFocus rates CHIX:BAMIM with a GF Score™ of 59/100 and a GF Value™ of €7.42 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Banco BPM SpA's quarterly net loan increased from Jun. 2025 (€99,243 Mil) to Sep. 2025 (€102,869 Mil) but then declined from Sep. 2025 (€102,869 Mil) to Dec. 2025 (€97,743 Mil).

Banco BPM SpA's annual net loan declined from Dec. 2023 (€101,545 Mil) to Dec. 2024 (€102,869 Mil) and declined from Dec. 2024 (€102,869 Mil) to Dec. 2025 (€97,743 Mil).

Banco BPM SpA Net Loan Historical Data

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The historical data trend for Banco BPM SpA's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco BPM SpA Net Loan Chart

Banco BPM SpA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 104,264.14 107,460.35 101,545.47 99,093.54 97,743.48

Banco BPM SpA Quarterly Data
Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Sep22 Dec22 Jun23 Sep23 Dec23 Mar24 Jun24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 104,155.12 99,242.50 102,869.44 97,743.48 104,407.13
CHIX:BAMIM
59GF Score
Banco BPM SpA CHIX:BAMIM
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco BPM SpA Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €97,743 Mil mean?
Banco BPM SpA (CHIX:BAMIM) has a Net Loan of €97,743 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Banco BPM SpA and its competitors.
Is Banco BPM SpA's Net Loan too high?
Banco BPM SpA's current Net Loan is €97,743 Mil. Overall, Banco BPM SpA has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco BPM SpA's Net Loan compare to competitors?
Banco BPM SpA's Net Loan of €97,743 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Banco BPM SpA and its competitors. Banco BPM SpA's current Net Loan is €97,743 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco BPM SpA stock overvalued right now?
Based on GuruFocus' analysis, Banco BPM SpA (CHIX:BAMIM) is currently considered Significantly Overvalued. The stock's GF Value™ is €7.42, compared to a current price of €15.62 — trading 110.5% above its estimated fair value. The current Net Loan is €97,743 Mil. Banco BPM SpA's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Banco BPM SpA (CHIX:BAMIM), the current Net Loan is €97,743 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banco BPM SpA (CHIX:BAMIM) Overvalued in 2026?

Based on GuruFocus' analysis, Banco BPM SpA stock appears to be overvalued. The current stock price of €15.62 is trading 110.5% above its estimated GF Value™ of €7.42. GuruFocus considers Banco BPM SpA to be Significantly Overvalued.

Key valuation signals for CHIX:BAMIM:

  • Net Loan: €97,743 Mil
  • GF Value™: €7.42 vs. price of €15.62 (110.5% above fair value)
  • GF Score™: 59/100 with 6 warning signs

No single metric tells the full story. See the CHIX:BAMIM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco BPM SpA Business Description

Address Piazza F. Meda, Milan, ITA, 20121
Banco BPM SpA is a financial services provider. It offers services including retail banking, corporate banking and private and investment banking/asset management.
59GF Score

Get the complete analysis for CHIX:BAMIM

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€15.62
Price
€7.42
GF Value