FY 2025 consolidated results
Figures refer to the Cassa Centrale - Credito Cooperativo Italiano Group.
| Income statement | 31.12.2025 |
|---|---|
| Net interest margin | 2,334 |
| Net fee and commission income | 887 |
| Operating income | 3,176 |
| Net income attributable to the Group | 1,162 |
KPIs (€m)
| Balance sheet | 31.12.2025 |
|---|---|
| Loans to customers | 75,400 |
| Total Assets | 94,255 |
| Due to customers | 71,296 |
| Group's consolidated equity | 10,436 |
KPIs (€m)
| Key Ratios | 31.12.2025 |
|---|---|
| Profitability ratios | |
| Return on Equity | 11.1% |
| Return on Assets | 1.2% |
| Core Cost/Income ratio | 57% |
| Structural ratios | |
| Net customer loans / Total assets* | 53.9% |
| Equity / Total Assets | 11.1% |
| Risk management ratios | |
| Gross NPL Ratio | 2.8% |
| NPL Coverage ratio | 81% |
| Net NPL Ratio | 0.6% |
| Capital ratios | |
| CET1 ratio | 29.1% |
| Tier1 ratio | 29.1% |
| Total capital ratio | 29.1% |
| Other KPIs | |
| Net loans to customers | 50,893 |
| Direct funding | 77,974 |
| Number of employees | 12,580 |
* Net customer loans include loans and advances to customers at amortised cost and fair value, excluding, solely for the purposes of calculating this indicator, any exposures to Euronext Clearing and the value adjustment of the financial assets subject to macro-hedging; they therefore differ from customer exposures shown in the financial statements.
FY 2024 consolidated results
Figures refer to the Cassa Centrale - Credito Cooperativo Italiano Group.
| Income statement | 31.12.2024 |
|---|---|
| Net interest margin | 2,456 |
| Net fee and commission income | 837 |
| Operating income | 3,035 |
| Net income attributable to the Group | 1,168 |
KPIs (€m)
| Balance sheet | 31.12.2024 |
|---|---|
| Loans to customers | 70,368 |
| Total Assets | 87,037 |
| Due to customers | 66,309 |
| Group's consolidated equity | 9,380 |
KPIs (€m)
| Key Ratios | 31.12.2024 |
|---|---|
| Profitability ratios | |
| Return on Equity | 12.4% |
| Return on Assets | 1.3% |
| Core Cost/Income ratio | 53% |
| Structural ratios | |
| Net customer loans / Total assets* | 55.8% |
| Equity / Total Assets | 10.8% |
| Risk management ratios | |
| Gross NPL Ratio | 3.5% |
| NPL Coverage ratio | 81% |
| Net NPL Ratio | 0.7% |
| Capital ratios | |
| CET1 ratio | 26.8% |
| Tier1 ratio | 26.8% |
| Total capital ratio | 26.8% |
| Other KPIs | |
| Net loans to customers | 48,614 |
| Direct funding | 73,287 |
| Number of employees | 12,284 |
* Net customer loans include loans and advances to customers at amortised cost and fair value, excluding, solely for the purposes of calculating this indicator, any exposures to Euronext Clearing and the value adjustment of the financial assets subject to macro-hedging; they therefore differ from customer exposures shown in the financial statements.
FY 2023 consolidated results
Figures refer to the Cassa Centrale - Credito Cooperativo Italiano Group.
| Income statement | 31.12.2023 |
|---|---|
| Net interest margin | 2,396 |
| Net fee and commission income | 795 |
| Operating income | 2,834 |
| Net income attributable to the Group | 871 |
KPIs (€m)
| Balance sheet | 31.12.2023 |
|---|---|
| Loans to customers | 71,483 |
| Total Assets | 89,579 |
| Due to customers | 63,299 |
| Group's consolidated equity | 8,220 |
KPIs (€m)
| Key Ratios | 31.12.2023 |
|---|---|
| Profitability ratios | |
| Return on Equity | 10.6% |
| Return on Assets | 1.0% |
| Core Cost/Income ratio | 52% |
| Structural ratios | |
| Net customer loans / Total assets* | 54% |
| Equity / Total Assets | 9.2% |
| Risk management ratios | |
| Gross NPL ratio | 4.2% |
| NPL Coverage ratio | 85% |
| Capital ratios | |
| CET1 ratio | 24.6% |
| Tier1 ratio | 24.6% |
| Total capital ratio | 24.6% |
| Other KPIs | |
| Net loans to customers | 47,898 |
| Direct funding | 69,002 |
| Number of employees | 12,014 |
* Net customer loans include loans and advances to customers at amortised cost and fair value, excluding, solely for the purposes of calculating this indicator, any exposures to Euronext Clearing and the value adjustment of the financial assets subject to macro-hedging; they therefore differ from customer exposures shown in the financial statements.
