Alberto Nagel
CEO & General Manager, Mediobanca
Replay available
Mediobanca - Banca di Credito Finanziario SpA (MDIBF) Q3 2025 Earnings Call
Mediobanca - Banca di Credito Finanziario SpA (OTC: MDIBF) Q3 2025 earnings conference call, held 2025-05-09. Replay captured from the company's public earnings webcast.
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Replay transcript excerpt
WEBVTT 00:00:01.904 -- 00:00:05.889 Thank you for joining the call. 00:00:05.889 -- 00:00:10.915 The first nine months of the bank show and confirm a steady 00:00:10.915 -- 00:00:16.482 growth trajectory in terms of revenue up 5%, profit as well, 00:00:16.482 -- 00:00:21.187 and ROTI on the level of 14%. 00:00:21.187 -- 00:00:24.938 We have had quite a strong commercial activity in all businesses. 00:00:24.938 -- 00:00:29.145 Starting from wealth management, we have recorded $7 billion of net new money, which 00:00:29.145 -- 00:00:34.634 is up 42% compared to last year. In CIB, we have had a rebound 00:00:34.634 -- 00:00:39.218 in new loan production of a billion, up 8% year-on-year. 00:00:39.261 -- 00:00:43.789 And we have had quite strong new loans in consumer finance. 00:00:43.789 -- 00:00:46.934 We reached the level of $6.7 00:00:46.934 -- 00:00:52.113 billion, up 9% in nine months. This 00:00:52.113 -- 00:00:56.318 reverted into an increase in revenue, as I said, of 5%, 00:00:56.318 -- 00:01:01.344 where we had a stable, even slightly growing 00:01:01.344 -- 00:01:03.206 NII, 00:01:03.206 -- 00:01:04.608 double-digit 00:01:04.608 -- 00:01:08.010 fee jump with 24%, 00:01:08.072 -- 00:01:10.255 lower core, 00:01:10.255 -- 00:01:16.021 this is basically on a better trajectory at industrial level, 00:01:16.021 -- 00:01:21.267 and high capital generation, this is 55 basis points 00:01:21.267 -- 00:01:24.252 driven by CIB and 00:01:24.252 -- 00:01:28.275 consumer finance where we have had, 00:01:29.159 -- 00:01:31.823 starting from January, new 00:01:31.823 -- 00:01:36.630 LGD and hence we have released some capital. 00:01:36.630 -- 00:01:41.915 This reverted also in high remuneration with the interim dividend at 0.56 00:01:42.740 -- 00:01:46.327 euro per share 00:01:...