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Mission and Values

Conscious of the value of our activity in Italy and abroad, we promote a style of growth that is attentive to financial strength and capital solidity, sustainable results and the creation of a process based on the trust deriving from customer and shareholder satisfaction, a sense of belonging on the part of our employees and close monitoring of the needs of the community and the local area.

We compete on the market with a sense of fair play and are ready to cooperate with other economic entities - both private and public - whenever necessary to reinforce the overall capacity for growth of the economies of the countries in which we operate.

Our identity is built on strong and shared values:

Integrity

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We pursue our goals with honesty, fairness and responsibility in the full and true respect of the rules and professional ethics and in the spirit of signed agreements

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Excellence

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We set ourselves the goal of continuous improvement, farsightedness, anticipating challenges, cultivating extensive creativity aimed at innovation; moreover we recogniseand reward merits

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Transparency

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We are committed to making transparency the basis of our actions, advertising and contracts in order to allow all our stakeholders to make independent and informed decisions

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Respect for specific qualities

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It is our intention to combine large-scale operations with profound local roots and to be a bank with a broad vision, without losing sight of individuals

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Equality

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We are committed to eliminating all forms of discrimination from our conduct and to respecting differences in gender, age, ethnic origin, religion, political and union persuasions, sexual orientation and identity, language or disability

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Values of the individual

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The value of each single person is a guide for our modus operandi: we use listening and dialogue as tools for continuously improving our relationships with all our stakeholders

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Responsibility in the use of resources

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We aim to use all our resources attentively, promote behaviour based on the best use of resources and the avoidance of waste and ostentation, and we give priority to choices that take sustainability into account

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Strategy

Intesa Sanpaolo’s strategy is geared towards solid and sustainable value creation for all stakeholders with whom the Bank has relations. We are aiming at a sharp increase in profitability and efficiency while preserving a low risk profile, deriving from solid revenue creation, continuous cost management and dynamic credit and risk management, with efficient use of capital and liquidity. Significant excess capital and high growth / high value businesses with a European scale allow Intesa Sanpaolo ample strategic flexibility.

Clients

A real-economy Bank, that supports the real economy, leveraging a strong balance sheet to match healthy credit demand, and manages the financial wealth of clients with care.
A simple yet innovative Bank, acting with a truly multi-channel model.

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Shareholders

A Bank with sustainable profitability in which operating performance, productivity, risk profile, liquidity and solidity/leverage are carefully balanced. Strong and increasing cash dividend distribution over the course of the 2014-2017 Business Plan: 1.2bn euro paid for 2014, 2.4bn euro paid for 2015, 3bn euro paid for 2016 and 3.4bn euro paid for 2017. In the 2018-2021 Business Plan, commitment to paying out 85% of net income as cash dividends for 2018, 80% for 2019, 75% for 2020 and 70% for 2021: 3.4bn euro of dividends paid for 2018.

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Employees

Empowered and motivated people through training, job re-allocation, acknowledgement of individual merit in career development, flexibility programs and upgrade of long-term incentives linked to productivity and results.

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Society and Environment

A Bank with a distinctive identity/reputation, committed to contributing to the growth and development of the economy and society. CSR deeply rooted in all business areas and staff functions, embedded in the Bank’s strategy, supporting social and environmental value creation for a long-term economic development and respecting all stakeholders.

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