Intesa Sanpaolo: Banking Legacy Meets Future Vision

🧾 HG&W Review Report: Intesa Sanpaolo S.p.A.

🏛️ Company Overview

Intesa Sanpaolo S.p.A. is the largest banking group in Italy by assets and one of the most prominent banks in Europe. Headquartered in Turin and Milan, it serves over 14.6 million customers across Europe, North Africa, and Asia.

• Founded: 2007 (merger), but historical roots back to 1583

• Employees: ~90,000

• Total Assets (2023): €1.02 trillion

• Branches: Over 3,300 globally

• Listed on: Borsa Italiana and part of the FTSE MIB Index

💰 Financial Performance

• Net Income (2023): €7.7 billion

• Operating Margin: 56.5%

• Tier 1 Capital Ratio: 15.8% – among Europe’s strongest

• ROE: 10.2%

• Dividend Yield: 6.3%

🌱 Commitment to ESG and Sustainability

Intesa Sanpaolo is among Europe’s most sustainability-driven banks, with a strategic focus on:

• €115 billion earmarked for green and social loans (2021–2026)

• Partnered with European Investment Bank for climate resilience financing

• Launched a Sustainability Bond Framework aligned with UN SDGs

• Italy’s first bank to issue a gender equality bond

• Zero emissions commitment by 2050

🌐 International Presence & Strategy

Though dominant in Italy, Intesa Sanpaolo is expanding across:

• Central and Eastern Europe (Hungary, Slovakia, Serbia, Croatia, Albania)

• North Africa (Egypt via Bank of Alexandria)

• Asia (through representative offices and trade corridors)

Through its International Subsidiary Banks Division, it serves more than 7.5 million clients across 12 countries.

💡 Digital and Technological Innovation

Intesa Sanpaolo’s digital strategy includes:

• Isybank: A new cloud-native digital bank for Gen Z and tech-savvy clients

• €3 billion investment in AI, cloud, and cybersecurity

• Partnerships with leading FinTechs and startups in Italy and abroad

• Digital onboarding, robo-advisors, and AI-based credit scoring

🤝 Brand, Legacy & Public Trust

• Ranked among the Top 100 World Banks by S&P

• Recognized by Euromoney and Global Finance for private banking and social impact

• Maintains a strong cultural presence by funding arts, heritage conservation, and educational initiatives across Europe