International Presence and Activities
INTESA SANPAOLO
SOLID VALUE CREATION FOR ALL STAKEHOLDERS
Clients
Shareholders
Employees
Society and
Environment
■ A real-economy Bank that supports the real economy, leveraging a strong balance sheet to
match healthy credit demand, and manages the financial wealth of clients with care
■ A simple yet innovative Bank, acting with a truly multi-channel model
■ A Bank with sustainable profitability in which operating performance, productivity, risk
profile, liquidity and solidity/leverage are carefully balanced
■ Strong and increasing cash dividend distribution over the course of the 2014-2017 Business
Plan: EUR 1.2 bln paid for 2014, EUR 2.4 bln paid for 2015, EUR 3 bln paid for 2016 and
EUR 3.4 bln paid for 2017. In the 2018-2021 Business Plan, commitment to paying out 85%
of net income as cash dividends for 2018, 80% for 2019, 75% for 2020 and 70% for 2021:
EUR 3.4 bln of dividends paid for 2018 and net income for the financial year 2019 allocated
to reserves, in compliance with the ECB recommendation dated 27 March 2020 on dividend
policy, then replaced by the recommendation dated 15 December 2020 in force till 30
September 2021. For 2020, proposal to distribute cash dividends of EUR 694 mln, the
maximum distributable amount according to the ECB recommendation, and intention to
propose, subject to the ECB indications, a cash distribution from reserves after 30
September 2021, for the 2020 results, that adds to the aforementioned dividends and leads
to the payment of a total amount corresponding to a payout ratio of 75% of the
EUR 3,505 mln adjusted net income
Empowered and motivated people through training, job re-allocation, acknowledgement of
individual merit in career development, flexibility programs and upgrade of long-term
incentives linked to productivity and results
A Bank with a distinctive identity/reputation, committed to contributing to the growth and
development of the economy and society
■ CSR deeply rooted in all business areas and staff functions, embedded in the Bank's
strategy, supporting social and environmental value creation for a long-term economic
development and respecting all stakeholders
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