Finecobank Banca Fine Spa (FCBBF) Q2 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.436 -- 00:00:03.721 Good afternoon. This is the Car School Conference Operator. 00:00:03.721 -- 00:00:09.049 Welcome and thank you for joining the Finico Bank's second quarter 2025 results conference 00:00:09.049 -- 00:00:13.997 call. As a reminder, all participants are in listen-only mode. 00:00:13.997 -- 00:00:18.023 After the presentation, there will be an opportunity to ask questions. 00:00:18.023 -- 00:00:22.090 Should anyone need assistance during the conference call, you may signal an operator 00:00:22.090 -- 00:00:24.894 by pressing star and zero on the telephone. 00:00:24.894 -- 00:00:27.618 At this time, I would like to turn the conference over to Mr. 00:00:27.618 -- 00:00:31.458 Alessandro Forti, CEO and General Manager of Fineco Bank. 00:00:31.458 -- 00:00:33.861 Please go ahead, sir. 00:00:33.861 -- 00:00:39.047 Good morning, everyone, and thank you for joining our second quarter 2025 00:00:39.047 -- 00:00:44.073 results conference call. Before moving in the details of the presentation, 00:00:44.073 -- 00:00:49.079 let me stress that Fineco is recording a sizable acceleration of its 00:00:49.079 -- 00:00:50.881 growth dynamics, 00:00:50.881 -- 00:00:54.265 supported by very healthy underlying quality. 00:00:54.265 -- 00:00:59.465 Our growth is leveraging on our superior customer experience, and on our 00:00:59.465 -- 00:01:04.751 fair and transparent position, not on short-term aggressive offer. 00:01:04.751 -- 00:01:09.897 This approach is mirrored in the quality of our revenues mix, which is entirely 00:01:09.897 -- 00:01:15.323 recurring with a very low percentage of upfront fees and no performance 00:01:15.323 -- 00:01:20.609 fees at all. Later in the presentation, we will also share 00:01:20.609 -- 00:01:25.675 our industrial action ...