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Italian Leader with a European Scale

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Italian Leader with a European Scale Italian Leader with a European Scale Updated as at 3 October 2019 2 The history of Intesa Sanpaolo 1998 2000 2001 2002 2007 3 Italian banking leader of European scale ◼ Leader in all segments with a market share of 18% in customer deposits and in customer loans The Leader in ◼ Leadership in most attractive products Italy ◼ Strong capital base and asset quality ◼ Largest domestic network: approximately 3,900 branches, 16%(1) market share and 11.8 million clients ◼ Best branch footprint making the Group truly nationwide: market share ≥ 12%(1) in Unique 18 out of 20 regions (1) Customer Reach ◼ High penetration of local markets: market share ≥ 5% in all the 107 provinces ◼ Particular strength in the wealthiest areas of Italy: strong retail presence covering more than 70% of Italian household wealth ◼ Strategic international presence, with approximately 1,100 branches and 7.2 million customers, comprising subsidiaries operating in commercial banking in 12 countries in Strategic Central Eastern Europe and Middle Eastern and North African areas and an international International network of specialists in support of corporate customers across 25 countries, in particular in Presence the Middle East and North Africa and in those areas where Italian companies are most active, such as the United States, Brazil, Russia, India and China Figures as at 30 June 2019 (1) Bank of Italy criteria, figures as at 31 March 2019 4 Solid value creation for all stakeholders ◼ A real-economy Bank, that supports the real economy, leveraging a strong balance sheet Clients 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 Shareholders Plan: 1.2bn euro paid for 2014, 2.4bn euro paid for 2015, 3bn euro paid for 2016 and 3.4bn euro 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: 3.4bn euro of dividends paid for 2018. ◼ Empowered and motivated people through training, job re-allocation, acknowledgement Employees 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 Society and ◼ CSR deeply rooted in all business areas and staff functions, embedded in the Bank’s Environment strategy, supporting social and environmental value creation for a long-term economic development and respecting all stakeholders 5 The Group at a glance: Financial Highlights Total Assets euro 828,365 m ~ 11.8 million in Italy ~ 19.0 million Loans to Customers Customers euro 394,253 m ~ 7.2 million abroad Direct Deposits from Banking Business euro 423,158 m Intesa 3,901 Direct Deposits from Insurance in Italy Business and Technical Reserves Sanpaolo 4,967 Branches euro 157,529 m 1,066 Shareholders’ Equity(1) abroad euro 53,535 m (2) 1H19 Net Income Market Capitalisation euro 2,266 m euro 38.1 bn Figures as at 30 June 2019 (1) Including Net Income (2) As at 30 September 2019 6 The Group at a glance: Ratings DBRS Long-term BBB (high) Short-term R-1 (low) Trend Long-term Stable Trend Short-term Stable Fitch Long-term BBB Ratings Short-term F2 Viability bbb Outlook Negative Moody’s Long-term Baa1 Short-term P-2 Outlook Stable S&P Global Long-term BBB Ratings Short-term A-2 Outlook Negative 7 Leadership in Italy built on long-standing relationships with customers Ranking in Italy 1 Loans 17.5% 1 Deposits (1) 17.9% 1 Asset Management (2) 21.0% 1 Pension Funds (3) 22.8% Figures as at 30 June 2019 (1) Including bonds (2) Mutual funds; data as at 31 March 2019 (3) Data as at 31 March 2019 8 European scale EUROZONE RANKING BANKS’ MARKET CAPITALISATION (euro bn) HSBC 142.7 Sberbank 69.5 1 Banco Santander 62.1 2 BNP Paribas 55.8 Lloyds Banking Group 42.7 UBS 40.2 3 Intesa Sanpaolo 38.1 4 ING 37.4 5 Crédit Agricole 32.1 6 BBVA 31.9 Barclays 29.3 Credit Suisse 28.7 Royal B. of Scotland 28.3 7 Nordea Bank 26.4 DNB 25.6 8 KBC 24.8 Standard Chartered 24.7 9 UniCredit 24.2 10 Société Générale 21.5 SEB 18.5 Svenska Handelsb. 17.0 11 ABN AMRO Group 15.2 Source: Bloomberg Prices as at 30 September 2019 9 Corporate Governance: Board of Directors, Management Control Committee and Internal Committees Board of Directors and Management Control Committee Nomination Committee appointed on 30/04/2019 Livia Pomodoro Chair (2) Paolo Andrea Colombo Member (1) (2) Gian Maria Gros-Pietro Chairman Gian Maria Gros-Pietro Member Paolo Andrea Colombo Deputy Chairperson (1) (2) Maria Mazzarella (*) Member (2) Carlo Messina (#) Managing Director and CEO Bruno Picca Member (1) Franco Ceruti Director Giovanni Gorno Tempini Director (2) Remuneration Committee (2) Rossella Locatelli Director Paolo Andrea Colombo Chair (1) (2) Luciano Nebbia Director Franco Ceruti Member (1) Bruno Picca Director Anna Gatti (*) Member (2) (2) Livia Pomodoro Director Giovanni Gorno Tempini Member (2) (2) Maria Alessandra Stefanelli Director Luciano Nebbia Member Guglielmo Weber Director (2) Daniele Zamboni (*) Director (1) (2) Risks Committee Maria Mazzarella (*) Director (2) (*) (2) Anna Gatti Director Rossella Locatelli Chair (2) (1) (2) Fabrizio Mosca Director and MCC member Franco Ceruti Member (1) (2) Milena Teresa Motta Director and MCC member Bruno Picca Member (1) (1) (2) Maria Cristina Zoppo Director and MCC member Guglielmo Weber Member (2) (*) (1) (2) Alberto Maria Pisani Director and MCC Chairman Daniele Zamboni (*) Member (1) (2) Corrado Gatti (*) Director and MCC member (1) (2) Committee for transactions with related parties of Intesa Sanpaolo S.p.A. and associated entities of the Group Daniele Zamboni (*) Chair (1) (2) Giovanni Gorno Tempini Member (2) Rossella Locatelli Member (2) Maria Mazzarella (*) Member (2) Maria Alessandra Stefanelli Member (2) (#) Was appointed Managing Director and CEO by the Board of Directors on 2 May 2019. He is the only executive director on the Board (*) Is a representative of the Minority List (1) Is enrolled on the Register of Statutory Auditors and has practiced as an auditor or been a member of the supervisory body of a limited company (2) Meets the independence requirements pursuant to Article 13.4.3 of the Articles of Association, the Corporate Governance Code and Article 148, third paragraph, of Legislative Decree 24 February 1998 no 58 (TUF) 10 A customer-oriented organisation Managing Director and CEO Carlo Messina Banca dei Territori Corporate and International Private Banking Asset Insurance Division(*) Investment Subsidiary Banks Division Management Division Banking Division Division Division Tommaso Nicola Maria Stefano Mauro Paola Paolo Corcos Fioravanti Barrese Micillo Angeletti Molesini (*) Domestic Commercial Banking 11 Central Structures Managing Director Chairman of the Board and CEO of Directors (*) Board of Directors Carlo Messina Gian Maria Gros-Pietro Safety and Strategic Support Protection Head Office Chief Audit Officer Head Office Department Department Paolo Bonassi Fabio Rastrelli Claudio Testa Chief Institutional Chief Operating Chief IT, Digital Chief Cost Chief Lending Chief Financial Chief Risk Chief Compliance Chief & Innovation Management Affairs & External Officer Officer Officer (**) Officer Officer Governance Communication Governance Officer Officer Governance Governance Governance Governance Officer Governance Officer Area Governance Area Area Area Area Governance Governance Area Area Area Area Rosario Giacomo Massimo Alfonso Marco Elio Stefano Davide Piero Franco Maria Paolo Maria Vittorio Stefano Strano Proverbio Guido Rottigni Del Punta Alfonsi Boccassino Grandi Lucchni (*) Chairman’s Technical Secretariat (G. Paladino) reports to the Chairman of the Board of Directors (**) Manager responsible for preparing the Company’s financial reports Fabrizio Dabbene reports to the Chief Financial Officer 12 The Banca dei Territori Division Retail(1) 11.7 million Product Companies (4) Customers Personal(2) 3,648 Branches Direct channels SME(3) Focus on the market and centrality of the territory for stronger relations with individuals, small and medium-sized businesses and non-profit entities Figures as at 30 June 2019 (1) Retail customers: individual customers with financial assets up to 100,000 euro and businesses/companies with low-complexity needs (2) Personal customers: individual customers with financial assets between 100,000 and one million euro (3) SME customers: companies with group turnover below 350 million euro (4) Industrial credit, leasing and factoring 13 The Banca dei Territori Division Retail SME Personal 267 branches dedicated to 3,298 branches dedicated to 238,000 SME customers and 83 11.5 million Retail and Personal branches customers serving approximately 65,000 Non-profit customers Instant Banking SME Finance Figures as at 30 June 2019 14 The Banca dei Territori Division: 8 Regional Governance Centres GOVERNANCE CENTRES MANAGER BRANCHES Piemonte, Valle d’Aosta and Cristina Balbo 415 Liguria Lombardia Gianluigi Venturini 416 Milano and Province Mauro Federzoni 266 Veneto, Friuli Venezia Giulia Renzo Simonato 647 and Trentino Alto Adige Emilia Romagna, Marche, Tito Nocentini 444 Abruzzo
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