Italian banks have entered 2025 with unexpected strength – proving that resilience and profitability can coexist even during uncertain economic times. After years of restructuring and tighter supervision, the country’s lenders are now among the most solid and profitable in Europe. Strong capital buffers, high interest margins, and steady fee income have placed them in a favorable position both at home and across the continent.

Stress tests carried out in recent years confirmed that Italy’s main banks can withstand even severe downturns. Institutions such as UniCredit, Intesa Sanpaolo, Monte dei Paschi, BPER, Banco BPM and Iccrea all showed capital ratios well above European requirements. This means they are not only safer for depositors but also capable of continuing to provide credit to households and businesses – a crucial factor in supporting growth.