RESOURCES

• Investments in technology*: 869 m (663 m in 2015)
• A unit dedicated to innovation and an extensive network of specialists

* Capital and operating expenditure.

ACTIONS AND RESULTS

• Multichannel customers up by: approximately 1.6 m since the start of 2014 to 6.4 m *
• The first multichannel bank in Italy: approximately 80% of its products available through multichannel platforms
• Downloads of the Intesa Sanpaolo app: approximately 4.1 m  (+40% compared to 2015)
• A fully operative Digital Factory: with the start of the digitalisation of 12 key processes (7 already completed)

• Innovative products and services and the chance to increase customer contacts and lever their purchase choices (cross and up-selling)
• Advice on innovation and support for business customers in managing strategic choices, levering their competitive edge in the medium and long term

* In Italy, natural persons and legal entities (not including Fideuram).

IMPACT ON STAKEHOLDERS

• The best customer experience for clients, meeting new needs and consolidating relations
• The new Intesa Sanpaolo digital experience launched, with new Internet banking, a new website and new applications
• Help for business innovations in Italy, particularly for SMEs
• Opportunities to develop innovative start-ups and SMEs, bringing together the ecosystem and involving sector associations
• Support for new businesses and for creating new jobs and developing the economy
• Loans for business innovation (Nova+): 245 m since 2014
• Growth opportunities created for customers, leading to business agreements, partnerships, technological transfer and industrial acquisitions

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  NEW
  BRANCHES
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  ATM
  TERMINALS
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  Retail
  CUSTOMERS
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  Mobile
  Banking