Our Business Model

In recent years, the Intesa Sanpaolo Group has demonstrated its ability to generate value for all its stakeholders, achieving significant results even in difficult external contexts and in particular during the COVID-19 pandemic.

Today, Intesa Sanpaolo is one of the leading players in the industry and is well positioned to capture future opportunities, thanks to a number of strengths including: proactive and granular risk management; indisputable capital strength; a distinctive, well-diversified and resilient business model; a leading ESG position; and consolidated domestic leadership in a country recovering strongly after the pandemic.

In light of the results achieved in the recent past and the main trends that will affect the banking industry and beyond, the Intesa Sanpaolo Group intends to take on the coming years with the objective of continuing to generate value for all stakeholders, while also building the bank of the future: profitable, innovative and sustainable.

• To pursue a structural strategy of de-risking with the ambition to become a Zero-NPL Bank, ranking among the best in Europe in terms of NPL ratios and stock
• To be a real-economy Bank and a Wealth Management, Protection & Advisory leader
• To be an omnichannel Bank with a fintech perspective to become the leader in Europe in terms of operational efficiency
• To be a reference partner for all SME & Corporate clients, helping them to fully leverage Recovery Plan opportunities
• To support Italian businesses abroad with our international presence
• To be leader in all main ESG rankings
• To support the community, with particular attention to those categories most in need and to accelerate on commitment to Net-Zero, reducing high-emitting sectors and own emissions 

• 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;  a buyback of €3.4bn was approved at the Shareholders’ Meeting and authorised by the ECB (amount equivalent to the suspended 2019 dividend)
  
• Medium/long-term lending to households and businesses
• Continuous enhancement, growth and satisfaction of Intesa Sanpaolo’s People and employment protection
• Supplier partnership development
• Support for categories with difficulty accessing credit, despite their potential
• Unparalleled support to address social needs
• Continued commitment to contribute to generating value for the Italian economic and social system
• Product and service model innovation
• Supporting clients through the green transition