Banca di Imola's half-year results are positive: collections exceed €4 billion.

Imola, August 8, 2025 – Strong net profit growth and global funding exceeding the symbolic threshold of four billion euros: these are the two clearest signs of the financial strength with which Banca di Imola is closing the first half of 2025.

The bank's Board of Directors, chaired by Giovanni Tamburini , approved the half-year financial statements for the 2025 fiscal year. The approval came at the recommendation of General Manager Sebastiano Masetti . Net profit amounted to €5.584 million, up 19.81 percent compared to the same period of the previous year.

Gross profit, before taxes and adjustments, reached €8.466 million, marking a 17.66% increase. "Despite a general climate of uncertainty and slowdown in European economies, both due to ongoing conflicts in Ukraine and the Middle East and the changing international context with new global trade balances yet to be defined, the half-year financial statements at June 30 show particularly positive results ," observes Banca di Imola.

The bank is part of the private and independent banking group La Cassa di Ravenna , chaired by Antonio Patuelli and managed by Nicola Sbrizzi. It operates across the country with 37 branches in the provinces of Bologna, Ravenna, Ferrara, and Florence. As of June 30, 2025, total funding, or the total financial resources entrusted to the bank by customers, surpassed the €4 billion mark for the first time, reaching €4,097 million: a 5.34 percent increase compared to twelve months earlier. Of this total, direct funding —consisting of deposits and current accounts—stood at €1,660 million, a slight increase (+0.20 percent), while indirect funding, which includes investments such as mutual funds and securities, showed stronger growth, rising to €2,437 million (+9.15 percent).

Credit quality continues to remain at very good levels. The overall ratio of net non-performing loans (i.e., those with collection problems) to total loans is 1.20 percent. This low figure confirms the solidity of the bank's loan portfolio . Customer loans, i.e., loans granted to households and businesses, decreased to €729.4 million.

The decline is linked, the bank explains, to " a slowdown in loan demand, especially from businesses, also due to uncertainties surrounding tariffs ." Finally, the gross operating margin—which measures the profitability of typical banking activities, i.e., the difference between interest income and interest expense and commissions—reached €25.736 million, an increase of 7.89 percent compared to a year ago. "The main figures for the various activities and customer services are positive," the bank concludes, "demonstrating the level of trust and credibility enjoyed by Banca di Imola."