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).

Banca Monte dei Paschi di Siena

BMPS

Italy · EuropeRegulated by ECBLatest: 2025-Q2

34LOW

CET1 Ratio

19.62%+4.82pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$45.9B

-1.00% QoQ growth

Total Loan Book

$87.1B

-0.1% YoY growth

Leverage Ratio

4.90%

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 Estate18.0%

Consumer25.0%

SME / C&I39.0%

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	19.62%	4.90%	$45.9B	$87.1B	-0.1%	-1.00%	18.0%	25.0%	39.0%	34

AI Investment Memo

Llama will analyze Banca Monte dei Paschi di Siena across 4 data dimensions and write a structured memo

Score: 34/100·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

34/100 —LOW

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

Capital Pressure5/40

CET1 19.62% — well above management threshold

-7.62pp headroom above 8% regulatory floor

CET1 stable or improving (14.80% → 19.62%)

Leverage ratio 4.90% — moderate constraint

Loan Book Growth2/30

Loan book grew -0.1% YoY

RWA grew -1.0% QoQ

CRE: 18%, Lev.Loans: 0%, max(Consumer/SME): 39%

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 likelihood34/100