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).

BPER Banca

BPER

Italy · EuropeRegulated by ECBLatest: 2025-Q2

35LOW

CET1 Ratio

16.22%+2.82pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$55.6B

+1.10% QoQ growth

Total Loan Book

$64.8B

+2.4% YoY growth

Leverage Ratio

5.00%

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 Estate14.0%

Consumer20.0%

SME / C&I46.0%

Other20.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	16.22%	5.00%	$55.6B	$64.8B	+2.4%	+1.10%	14.0%	20.0%	46.0%	35

AI Investment Memo

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

Score: 35/100·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

35/100 —LOW

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

Capital Pressure2/40

CET1 16.22% — well above management threshold

-4.22pp headroom above 8% regulatory floor

CET1 stable or improving (13.40% → 16.22%)

Leverage ratio 5.00% — near US enhanced SLR floor

Loan Book Growth6/30

Loan book grew 2.4% YoY

RWA grew 1.1% QoQ

CRE: 14%, Lev.Loans: 0%, max(Consumer/SME): 46%

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 likelihood35/100