Credit

Bcc di Napoli, budget 2025 approved; growth in deposits and loans

Loans increased by 14% and deposits by 22%. President Amedeo Manzo: 'Where we raise, there we reinvest'

by Vera Viola

25 April 2026

2' min read

Translated by AI

Versione italiana

2' min read

Translated by AI

Versione italiana

Clear growth indicators for Bcc di Napoli. The shareholders' meeting unanimously approved the 2025 balance sheet of the Banca di Credito Cooperativo di Napoli chaired by Amedeo Manzo. Loans to customers amounted to EUR 218 million, an increase of 14%, while total deposits reached EUR 459 million, up 22%. Direct deposits, at 380 million, rose 25%. The membership base also expanded: in fact, there were 5,411 members as at 31 December 2025 (up 2% compared to December 2024) and the number of customers rose significantly. Remarkable results also for capital and related solidity ratios: shareholders' equity at EUR 40.58m (+11%); CET1 Capital Ratio 33.15%; Total Capital Ratio 33.15%.

"The approval of a bank's balance sheet becomes not only an element of stability, efficiency and trust in a credit institution, but also the emotion of a community that comes together to recognise itself in the same values of humanity and for the pride of belonging to the only bank that has Naples in its name _ says President Amedeo Manzo _ the assembly ends with the member's party, a moment of unity among those who contribute to a bank that wants to function differently in its reality".

Profitability was in evidence with a gross result for the year of EUR 4.90 million, a net result for the year of EUR 3.94 million; with net interest income (EUR 9.95 million); commission income (EUR 5.85 million, +10%); commission margin (EUR 4.13 million, +7%); Cost Income 57%; ROE (Return on Equity) 10%. The net non-performing loans/loans to customers ratio is 0.28%; the result of 81% coverage of non-performing loans; 60% coverage of probable defaults; and 66% coverage of impaired loans. Finally, the operating indicators recorded an M.O.L. (Gross Operating Margin) of 16.

The figures confirm the constant growth of the BCC of Naples in all the main indicators, reinforcing its capital solidity and ability to support the development of the territory, thanks also to the support of ICCREA. The BCC of Naples is confirmed as a local bank, with 'zero kilometre' operations, which allocates funding to support the local economy, in favour of families, professionals and businesses.

Numerous social activities have been carried out by the BCC of Naples. These include the Bank's participation in the Holy Father's meeting with the local community, scheduled to take place in Naples on 8 May and in Acerra on 23 May. This is a step that acts as a bridge between the economic-social dimension of banking activity and the value and spiritual dimension that accompanies the Bank's relationship with the community.

"Our model puts the community and its needs at the centre. Where we collect, there we reinvest to support growth and well-being. People remain at the centre of the project, through a 'human rating' that guides choices based on ethics and democracy of opportunity,' Manzo adds.