Financial capital | Sustainability Report 2016

Financial capital includes funds and profit from operations to create value shared with our stakeholders.

RESOURCES

394 bn

Direct deposits from the banking business

144 bn

Direct deposits from the insurance business

73 bn

Due to banks

49 bn

Shareholders' equity

ACTIONS AND RESULTS

725 bn

Total assets with liquid assets worth
150 bn

365 bn

Loans

to customers

3.1 bn

Net income (2.7 bn in 2015)

16.9 bn

Net operating income

8.3 bn

Operating margin

15.4 bn

Economic value generated

37 bn

Stock Exchange mid-cap

2.22 euro

Average listed price for the period

Management of social and environmental risks in lending activities: 14 projects for 2.04 bn screened based on Equator Principles
Monitoring of the health and safety of employees
Cyber risk management
Group brand value: indicatively close to 6 bn

IMPACT ON STAKEHOLDERS

56 bn

New medium and long term loans for the real economy

~200 m

New medium and long term loans for social enterprises

24,000

Italian companies back to performing loan positions from non-performing loan positions (over 52,000 since 2014)

~1.7 bn

Environmental loans (3.1% of total new loans)

4.6 bn

Loans for initiatives with a high social impact (8.3% of total new loans)

66,000

Renegotiations of mortgage loans to financially vulnerable households for a total residual debt value of approximately 6.2 bn

14.1 bn

Economic value distributed

3 bn

Dividends

Reduction of social and environmental costs resulting from the financing of potentially harmful activities
Minimisation of risk factors for the health and safety of employees: a 4.6% decrease in accidents
Number of robberies: 25 (- 59.7% compared to 2015)
Blocking of fraudulent transactions: amounting to over 31 m
The synthetic index of image on the population (IPSOS) shows Intesa Sanpaolo at the top of the banking system, despite the sector's reputational crisis

Economic and financial performance

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Breakdown of 2016 economic value

Management of business risks

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Support for the business system

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Intesa Sanpaolo continued to support the development of the “real” economy and communities where the Group operates. In 2016 Sanpaolo granted new medium/long term loans to the real economy for approximately 56 billion euro (48 billion in Italy, up by 16% compared to 2015).

Production chain development

Entrepreneurship Micro-Credit Loan

Women in business

Financing and services for companies investing in innovation

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 own life cycle, developing a new way of banking and of looking towards the future.

FAMILIES