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).

Banco BPM

BAMI

Italy · EuropeRegulated by ECBLatest: 2025-Q2

82HIGH

CET1 Ratio

14.15%+1.55pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$64.3B

+0.60% QoQ growth

Total Loan Book

$111.8B

+3.1% YoY growth

Leverage Ratio

4.60%

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 Estate16.0%

Consumer22.0%

SME / C&I44.0%

Other18.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	14.15%	4.60%	$64.3B	$111.8B	+3.1%	+0.60%	16.0%	22.0%	44.0%	82

AI Investment Memo

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

Score: 82/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

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Score Breakdown

82/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing82

Last deal

10 mo ago

Typical cadence

13 mo

Through its re-issue cycle78%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure5/40

CET1 14.15% — well above management threshold

-2.15pp headroom above 8% regulatory floor

CET1 stable or improving (12.60% → 14.15%)

Leverage ratio 4.60% — moderate constraint

Loan Book Growth5/30

Loan book grew 3.1% YoY

RWA grew 0.6% QoQ

CRE: 16%, Lev.Loans: 0%, max(Consumer/SME): 44%

Historical SRT20/25

Bank has previously issued SRT transactions

+15

10 months since last deal — active SRT program

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 likelihood82/100