Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

Mediobanca

Italy · EuropeRegulated by ECBLatest: 2025-Q2

38LOW

CET1 Ratio

15.05%-0.25pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$46.1B

+1.40% QoQ growth

Total Loan Book

$62.3B

+2.6% YoY growth

Leverage Ratio

5.80%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Comm. Real Estate8.0%

Consumer40.0%

SME / C&I23.0%

Other29.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	15.05%	5.80%	$46.1B	$62.3B	+2.6%	+1.40%	8.0%	40.0%	23.0%	38

AI Investment Memo

Llama will analyze Mediobanca across 4 data dimensions and write a structured memo

Score: 38/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

38/100 —LOW

First-time candidate · scored on fundamentals (0–54 band)

Capital Pressure6/40

CET1 15.05% — well above management threshold

-3.05pp headroom above 8% regulatory floor

CET1 declined 1 quarter (15.30% → 15.05%)

Leverage ratio 5.80% — near US enhanced SLR floor

Loan Book Growth5/30

Loan book grew 2.6% YoY

RWA grew 1.4% QoQ

CRE: 8%, Lev.Loans: 0%, max(Consumer/SME): 40%

Historical SRT0/25

No prior SRT deals on record

Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10

Europe regional bonus+8

Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood38/100