A bank of excellence in support of the real economy

We are the leading banking group in Italy in financial services for households and businesses, ranking among the top five groups in the euro area


Million customers in Italy and abroad


Branches in Italy and abroad


Billion euro of loans to customers


Milion euro in total assets


Employees in Italy and abroad

Intesa Sanpaolo 2022-2025 Business Plan

Carlo Messina

In light of the results achieved in the recent past and the main trends that will affect the financial services and protection sectors, Intesa Sanpaolo must face the coming years from the position of a leader, with the aim of continuing to create value for all stakeholders and at the same time building the bank of the future: profitable, innovative and sustainable.

With the new Business Plan, the Group’s ambition is to be a Wealth Management, Protection & Advisory leader in Europe, distinguished by zero NPLs, by a strong digital push and by a focus on commissions, while continuing to excel in ESG and offering the best professional experience for its People. This set of ingredients will also enable Intesa Sanpaolo to be the best investment for Shareholders, both in the short and in the medium-long term.

Intesa Sanpaolo will achieve the ambitious goals of the 2022-2025 Business Plan by leveraging its strengths and thanks to its People, the most important asset for the success of the Plan.

The 2022-2025 Business Plan formula:

  • Massive upfront de-risking, slashing Cost of risk: the Group will pursue a structural strategy of de-risking (already launched in the previous Business Plan with significant results) with the ambition to become a Zero-NPL Bank, ranking among the best in Europe in terms of NPL ratios and stock
  • Structural Cost reduction, enabled by technology: strengthening the Bank’s omnichannel propositions and become the leader in Europe in terms of operational efficiency. To do so, we will create a new digital bank (named Isybank) and will continue to invest strongly in technology, including through partnerships with top fintechs and artificial intelligence players
  • Growth in Commissions, driven by Wealth Management, Protection & Advisory: in addition to strong Wealth Management & Protection capabilities, Advisory will be a key area for value creation in the new Plan. Intesa Sanpaolo will continue to leverage on the Group’s own product factories in Asset management, Life insurance and Protection. The Bank will be a reference partner for all SME & Corporate clients, helping them to fully leverage Recovery Plan opportunities
  • Significant ESG commitment, with a world-class position in Social Impact and strong focus on climate: strengthening the Group’s current leadership in all main ESG rankings, Intesa Sanpaolo will continue to support the community, with particular attention to those categories most in need, while reinforcing the Bank’s Net-Zero commitments.

People represent the decisive factor in Intesa Sanpaolo’s success: the Group will continue to invest in its talents, encouraging diversity and inclusion, and creating a unique ecosystem of skills to support the evolution of the Bank. The new Plan set the target of equal presence of men and women in new senior leadership appointments.

Strong and sustainable value creation and distribution while maintaining a solid capital position and a strong focus on ESG.

Intesa Sanpaolo: results as at 31 March 2022

The results for 1Q22 have confirmed Intesa Sanpaolo’s ability to generate solid profitability and create value for all its stakeholders even in a challenging environment, such as the context of the current events involving Russia and Ukraine and the COVID-19 pandemic, thanks to its well-diversified and resilient business model.

Net income for the first quarter was €1,670m when excluding €0.8bn provisions/writedowns for Russia and Ukraine and stated net income amounted to €1,024m, with €0.7bn dividends already accrued.

The formula of the 2022-2025 Business Plan and, specifically, the 2025 net income target of €6.5bn are confirmed. The key industrial initiatives planned are well underway.

Over the time horizon of the 2022-2025 Business Plan: a cash dividend distribution was envisaged corresponding to a payout ratio, based on the consolidated net income, of 70% each year of the Plan, and a buyback of 3.4 billion euro was approved at the Shareholders’ Meeting (subject to ECB approval, amount equivalent to the suspended 2019 dividend).
Any additional distribution to be evaluated on a yearly basis starting from 2023.

Value creation for all stakeholders is also grounded on Intesa Sanpaolo’s strong ESG commitment, with a world-class position in social impact and strong focus on climate, which, in the first quarter, translated into several humanitarian initiatives to support people of the Group’s subsidiary Pravex Bank and the Ukrainian population and, specifically, into actions to implement the ESG initiatives envisaged in the 2022-2025 Business Plan, accelerating support to address social needs, including to mitigate the impact of the events involving Russia and Ukraine.

Intesa Sanpaolo is the only Italian bank listed in the Dow Jones Sustainability Indices and ranks first among European banks in three of the top ESG international assessments: MSCI, Sustainalytics and Bloomberg ESG Disclosure Score. Furthermore, Intesa Sanpaolo has been included for the fifth consecutive year in the Bloomberg Gender-Equality Index (GEI) 2022, obtaining a score well above the average of the global financial sector and of Italian companies and is the first bank in Europe in the Refinitiv Diversity & Inclusion Index among the top 100 companies for diversity and inclusion. Intesa Sanpaolo has been among the first in Europe to receive the Gender Equality European & International Standard (GEEIS Diversity), the prestigious international certification assessing the commitment to diversity and inclusion.

A solid bank at the service of the country’s development

HQ Intesa Sanpaolo

We endeavour to guarantee our sound capital base and the sustainability of results over time, striving to create a relationship of trust with our customers, our shareholders and the territories in which we operate. In Italy, where we have the largest network of bank branches in the country, we aim to act as the driver of the real economy and make our contribution to community development. We also operate in 37 countries.

Our business model

Conscious of the value of our activity in Italy and abroad in Europe, Egypt and Brazil 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 business

Our organisational structure includes six divisions operating in Italy and abroad

Banca dei Territori

Focus on the market and the territory for stronger relations with individuals, SMEs and non-profit entities

IMI Corporate & Investment Banking

A global partner supporting corporates, financial institutions and public administration in Italy and in 25 countries

International Subsidiary Banks

Includes the commercial banking subsidiaries with a strategic presence in Central Eastern Europe, the Middle East and North Africa

Private Banking

Serves the customer segment consisting of Private clients and High Net Worth Individuals with tailored products and services

Asset Management

Asset management solutions targeted at the Group’s customers, commercial networks outside the Group, and institutional clientele


Insurance and pension products tailored for the Group’s clients

Donna in città

A leader in Italy operating on a European scale, we offer our customers a strategic presence in markets with a high growth potential.

Donna al computer

People are the key to our success

Not just bankers: our people have a wide range of talents but are united by the commitment to ensuring the group's growth. We want to help them fulfil their professional and personal ambitions: we invest in training to develop skills, we work to create a context that enhances diversity and promotes well-being.

pepper robot
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