Banco di Desio e della Brianza S.p.A. — Cyborg Score 6/10
Solid
Regional Banking / Financial Services
Strategic Profile
The bank has shifted revenues toward fee income from wealth management and bancassurance as net interest income declined amid changing rates, delivering stable 2025 consolidated net profit of €127.3 million with a 9.3% return on equity. The bank improved its balance sheet with higher capital ratios and robust liquidity, while customer loans increased by 2.5% to €12.7 billion and asset quality improved with a gross NPE ratio of 2.7%.
Cyborg Score Rationale
The bank shows net profit margins at 22.6% over the last 12 months, indicating strong earnings quality and efficiency. However, recent earnings moderation and relatively low allowance for bad loans with an unstable dividend history present near-term headwinds. Strong capital ratios with CET 1 at 18.3% and TCR at 19.3% provide a stable foundation.
Top Insights
2025 net profit of €127.3 million (+0.3%) with ROE of 9.3% and commission growth of 5.7% driven by wealth management and bancassurance
Improved asset quality with NPE ratio down to 2.7% from 3.1% and strong loan growth of 2.5% to €12.7 billion
50% dividend payout with per-share dividend of €0.5105 and dividend yield of 6.56%, showing commitment to shareholder returns
Network spans 275 branches and 65 financial shops across Italy with 2,495 employees, reflecting regional presence with manageable footprint
Named Competitors
Regional Banking Services — Major Italian banking group with broader geographic and product scope
Regional Banking Services — Large-cap Italian and European banking competitor
Wealth Management & Bancassurance — Regional bank with strong wealth management focus
Recent Developments
(Feb 2026) 2025 results: €127.3M net profit (+0.3%), ROE 9.3%, dividend of €0.5105 per share (+11% vs prior year)
(Sep 2025) H1 2025 results reported with improved NPE ratio at 2.7% and higher capital ratios
(Nov 2025) 9M 2025 earnings at €105.9M, slightly down from €116.4M in same period prior year
Open the full interactive Banco di Desio e della Brianza S.p.A. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.