Intellectual and infrastructure capital

Intellectual and infrastructure capital includes values related to knowledge and ability to innovate, and to its network of branches and technological networks offering services to customers.

RESOURCES

~4,000

branches

(Italy)

7,155

ATMs

(Italy)

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

INNOVATION FOR GROWTH

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Smart
Bank

Smart
Biz

Smart
People

MULTICHANNEL BANKING
BRANCHES
ATMS AND SELF-SERVICE TILLS
INTERNET BANKING
MOBILE BANKING
A MULTICHANNEL SERVICE FOR BUSINESSES
INSTANT PAYMENT
A MULTICHANNEL SERVICE FOR INTERNATIONAL
SUBSIDIARY BANKS
DIGITAL FACTORY
DIGITALISATION OF CONTRACTS
“BIG DATA”

PLATFORMS FOR BUSINESSES
FAST TRACK FOR START-UPS AND SMES
INNOVATIVE FINANCE

THE SHARING ECONOMY FOR INTESA SANPAOLO PEOPLE
NEW RECRUITMENT MODELS
THE CIRCULAR ECONOMY
NEW AREAS OF INNOVATION

SMART BANK - initiatives for the growth of local businesses: research into innovative solutions for the development of products, services and processes in the banking sector.

SMART BIZ - initiatives for the growth of local businesses.

SMART PEOPLE - initiatives to improve people’s quality of life.

Banca Multicanale

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NEW
BRANCHES
ATM
TERMINALS
Retail
CUSTOMERS
Mobile
Banking