This capital includes funds made available from deposits and investments, net interest income, fee and commission income, income from trading and profit generated from our business activities. Financial capital is used to implement our services to customers.

resources
ReSULTs for the BUSINESS
IMPAcTs on
STAKEHOLDERs
    • Direct deposits from banking business: 372 bn
    • Direct deposits from insurance business: 133 bn in 2015
    • Due to banks: 59 bn in 2015
    • Shareholders' equity: 48 bn
          676 bn
          Total assets with liquid assets worth 117 bln
          350 bn
          Loans to customers
          2.7 bn
          net income (1.2 bln in 2014)
          17.1 bn
          Operating income
          8.3 bn
          Operating margin
          -28%  vs 2014
          Reduction in adjustments to loans
          15.6 bn
          Economic value generated
          52 bn
          Stock Exchange mid-cap
          3.109 euro
          Average listed price for the period

            • Management of social and environmental risks in lending activities
            • Group brand value, indicatively close to 6 bn
            • Minimisation of risk factors for the health and safety of employees: (~-20% during 2015 and - 40% compared to 2014)
            • Work-related stress risk in low-end
            • Reduction of the average INAIL rate by 5% thanks to the Health and Safety Management System *
                      * Italian boundary
                      48 bn
                      New medium and long-term loansto households and businesses
                      ~200 bn
                      New medium and long-term loansto social enterprises
                      20,000
                      Italian companies back to performing loans from non-performing loanpositions
                      ~1.5 bn
                      Environmental loans
                      3.2 bn
                      Loans for initiatives with high social impact (6.7% of new MLT loans)
                      56,500
                      renegotiations of mortgage loans to financially vulnerable households for a total residual debt value of over 5,558 million
                      14.1 bn
                      Economic value distributed
                      2.4 bn
                      dividends
                      • Reduction of social and environmental costs resulting from the financing of potentially harmful activities
                      • Monitoring of health and safety of employees
                      • Rate of accidents at work *: - 2.8%
                      • Number of robberies: - 13.9%
                              Italian boundary

                              Economic and financial performance

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                              economic value generated in 2015

                              Management of business risks

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                              Support to the business system

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                              Intesa Sanpaolo has never stopped believing in Italy
                              and provides support to those wishing to relaunch.
                              In 2015 it has earmarked 48 billion euro of new
                              medium/long-term loans for households and businesses.

                              Financial inclusion and economic empowerment

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                              Intesa Sanpaolo meets the different needs of consumers with a marketing focus and different approaches according to the customer segment, with the aim of accompanying customers through their personal lifecycle, developing a new way of banking and of looking to the future.

                              Families

                              • Anticipazione sociale
                              • Soluzioni per la casa

                              young people

                              • Superflash product
                              • Per Te Prestito con Lode

                              seniors

                              • products and services dedicated
                              • Riconoscimento Salute Senior

                              immigrants

                              • Getmoney to Family
                              • Express to Family
                              • Money Transfer Western Union

                              microcredits

                              • Prestito della Speranza
                              • Fondazione Lombarda Antiusura
                              • Fondazione Welfare Ambrosiano

                              banca prossima

                              • Terzo valore
                              • Consorzio SPIN