Banking: approx. 70%
Insurance: approx. 20%
Asset Management: approx. 10%

Italy: approx. 85%
Germany: approx. 7%
France: approx. 5%

Banco BPM S.p.A. generates the majority of its revenue from the banking sector, which accounts for about 70% of total revenue. This includes both retail and business customer services. The insurance sector contributes around 20%, while asset management makes up the remaining 10%.

Geographically, Italy is Banco BPM's main market, representing approximately 85% of total revenue. Germany and France follow as the second and third largest markets, with shares of 7% and 5% respectively. This concentration on the Italian market reflects the company's strong local presence and focus.

Banco BPM S.p.A. is a bank and not a manufacturing company.

Banco BPM S.p.A. is one of the largest banks in Italy and offers a wide range of financial services, including banking, asset management, and insurance solutions. Being a financial institution, the company does not produce physical products but provides services mainly offered in Italy.

The bank operates a network of branches and offices to deliver its services and is present in various regions of Italy.

Strategy for Future Growth:

1. Digitization and Technological Innovation: Banco BPM S.p.A. is increasingly focusing on digitizing its services to enhance customer experience and improve operational efficiency. This includes investments in digital platforms and mobile banking solutions.

2. Expansion of the Lending Business: The company plans to expand its lending business, particularly in the small and medium-sized enterprises (SME) sector. This will be achieved through tailored financial products and an enhanced regional presence.

3. Sustainability Initiatives: Banco BPM is pursuing a strategy to integrate Environmental, Social, and Governance (ESG) criteria into its business models. This involves promoting green financing and sustainable investments.

4. Cost Efficiency and Restructuring: To increase profitability, the bank is focusing on cost efficiency measures and a potential restructuring of its branch networks to adapt to changing customer needs.

These strategic initiatives are intended to help Banco BPM strengthen its market position and ensure long-term growth.

Main Imported Raw Materials/Items: Financial services, IT infrastructure

Countries of Origin: USA, Germany, China

Banco BPM S.p.A. is a bank and not a manufacturing company, therefore it does not import physical raw materials in the traditional sense. Instead, the bank focuses on importing financial services and IT infrastructure to enhance and expand its services.

The IT infrastructure and technologies necessary for banking operations are often sourced from countries such as the USA, Germany, and China, as these countries are leaders in technology development. These imports are crucial for the digitization and efficiency of banking services.

Market share in Italy: 7% (2024)
Common Equity Tier 1 (CET1) ratio: 14.8% (2024)
Cost-to-Income ratio: 58% (2024)

Banco BPM S.p.A. is one of the leading banks in Italy and has gained a competitive advantage in recent years through a solid capital base and efficient cost structure. With a market share of around 7%, it is well positioned in the Italian banking sector.

The CET1 ratio of 14.8% indicates a strong capital adequacy, allowing the bank to remain stable even in economically challenging times. A cost-to-income ratio of 58% suggests efficient cost control, which can be considered competitive compared to many other European banks.

In addition, Banco BPM benefits from a broad customer base and a diversified product offering that appeals to both retail and business customers. This strengthens their position in the market and provides potential for further growth.

Institutional Investor Share: 45% (estimated for 2025)
Insider Buys/Sells: No significant transactions reported in the last year

The institutional investor share in Banco BPM S.p.A. is estimated to be around 45%. This figure demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

There were no significant insider transactions in the last year, indicating a stable assessment of the company's value by management and other insiders. This may also suggest that no significant changes in the company's strategy or structure are expected.

Market share of Banco BPM S.p.A.: Estimated around 5% (2025)

Main competitors and their market shares:

1. UniCredit S.p.A.: around 20%
2. Intesa Sanpaolo S.p.A.: around 25%
3. Banca Monte dei Paschi di Siena S.p.A.: around 10%
4. UBI Banca S.p.A.: around 8%
5. BPER Banca S.p.A.: around 7%

Banco BPM S.p.A. holds a moderate market share in the Italian banking sector. Compared to leading banks like UniCredit and Intesa Sanpaolo, Banco BPM's market share is significantly lower. These two banks dominate the market with a combined share of approximately 45%.

Banco BPM's economic moat is less pronounced compared to the market leaders. Intesa Sanpaolo and UniCredit have larger networks, a stronger international presence, and a more diversified product range, giving them a significant competitive advantage.

However, Banco BPM could potentially have a certain advantage through specialized services or regional market leadership in specific segments. Nevertheless, the competitive advantage remains limited compared to the larger competitors. Strategic focus on niche markets or innovative financial products could help strengthen the economic moat.

Revenue Growth: 3.8% (2024) Profit Growth: 4.5% (2024) Return on Equity: 7.2% (2024)

Banco BPM S.p.A. recorded a moderate revenue growth of 3.8% in 2024. Profit growth was at 4.5%, indicating an improvement in operational efficiency and cost savings. The return on equity of 7.2% shows that the company is able to effectively utilize its equity base to generate profits.

In recent years, the bank has taken measures to strengthen its balance sheet, including reducing non-performing loans and improving capital adequacy. These efforts have led to a more stable financial position that could enhance investor confidence.

Furthermore, Banco BPM has invested in digital transformation and technological innovations to remain competitive and explore new business opportunities. These strategic initiatives could lead to an improved market position and additional sources of revenue in the long term.

Overall, Banco BPM could present an attractive investment opportunity, especially for investors interested in a stable bank with moderate growth potential. However, it is important to consider the macroeconomic conditions and developments in the Italian banking sector that could impact future performance.

Dividend Yield: 4.5% (2025, estimated)
Dividend History: Regular payouts since 2017

Banco BPM S.p.A. has pursued a consistent dividend policy in recent years, with regular payouts to shareholders since its founding in 2017. The estimated dividend yield for 2025 is around 4.5%, which is competitive compared to other banks in the European region.

The reliability of dividend payment depends on several factors, including the financial stability of the bank, economic conditions in Italy, and regulatory requirements. Banco BPM has demonstrated in the past its ability to distribute stable dividends, indicating a solid financial foundation and effective risk management.