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Interim Statement As at 30 September 2020

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Interim Statement As at 30 September 2020 Interim Statement as at 30 September 2020 This is an English translation of the original Italian document “Resoconto Intermedio al 30 settembre 2020”. In cases of conflict between the English language document and the Italian document, the interpretation of the Italian language document prevails. The Italian original is available on group.intesasanpaolo.com. This document contains certain forward-looking statements, projections, objectives, estimates and forecasts reflecting the Intesa Sanpaolo management’s current views with respect to certain future events. Forward-looking statements, projections, objectives, estimates and forecasts are generally identifiable by the use of the words “may,” “will,” “should,” “plan,” “expect,” “anticipate,” “estimate,” “believe,” “intend,” “project,” “goal” or “target” or the negative of these words or other variations on these words or comparable terminology. These forward-looking statements include, but are not limited to, all statements other than statements of historical facts, including, without limitation, those regarding Intesa Sanpaolo’s future financial position and results of operations, strategy, plans, objectives, goals and targets and future developments in the markets where Intesa Sanpaolo participates or is seeking to participate. Due to such uncertainties and risks, readers are cautioned not to place undue reliance on such forward-looking statements as a prediction of actual results. The Intesa Sanpaolo Group’s ability to achieve its projected objectives or results is dependent on many factors which are outside management’s control. Actual results may differ materially from (and be more negative than) those projected or implied in the forward-looking statements. Such forward- looking information involves risks and uncertainties that could significantly affect expected results and is based on certain key assumptions. All forward-looking statements included herein are based on information available to Intesa Sanpaolo as of the date hereof. Intesa Sanpaolo undertakes no obligation to update publicly or revise any forward-looking statement, whether as a result of new information, future events or otherwise, except as may be required by applicable law. All subsequent written and oral forward-looking statements attributable to Intesa Sanpaolo or persons acting on its behalf are expressly qualified in their entirety by these cautionary statements. Interim Statement as at 30 September 2020 Intesa Sanpaolo S.p.A. Registered Office: Piazza S. Carlo, 156 10121 Torino Italy Secondary Registered Office: Via Monte di Pietà, 8 20121 Milano Italy Share Capital Euro 10,084,445,147.92 Torino Company Register and Fiscal Code No. 00799960158 “Intesa Sanpaolo” VAT Group representative Vat Code No. 11991500015 (IT11991500015) Included in the National Register of Banks No. 5361 ABI Code 3069.2 Member of the National Interbank Deposit Guarantee Fund and of the National Guarantee Fund and Parent Company of the banking group “Intesa Sanpaolo” included in the National Register of Banking Groups. Contents The Intesa Sanpaolo Group 7 Board of Directors, Manager responsible for preparing the Company’s financial reports and 11 Independent Auditors Introduction 13 Overview of the nine months of 2020 Income statement figures and alternative performance measures 16 Balance sheet figures and alternative performance measures 18 Alternative performance measures and other measures 19 The nine months of 2020 23 Consolidated financial statements 41 Report on operations Economic results 51 Balance sheet aggregates 69 Breakdown of consolidated results by business area 87 Risk management 105 Accounting policies Criteria for the preparation of the Interim statement 123 Declaration of the Manager responsible for preparing the Company’s financial reports 126 Attachments 127 Glossary 151 Contacts 169 5 THE INTESA SANPAOLO GROUP 7 The Intesa Sanpaolo Group: presence in Italy (*) Banks NORTH WEST INTESA SANPAOLO Subsidiaries Branches Company Branches 974 Fideuram 96 Banca 5 1 IWBank 9 UBI Banca 856 NORTH EAST INTESA SANPAOLO Subsidiaries Branches Company Branches 837 Fideuram 56 UBI Banca 101 CENTRE INTESA SANPAOLO Subsidiaries Branches Company Branches 710 Fideuram 40 IWBank 6 UBI Banca 486 SOUTH INTESA SANPAOLO Subsidiaries Branches Company Branches 618 Fideuram 26 IWBank 7 UBI Banca 302 ISLANDS INTESA SANPAOLO Subsidiaries Branches Company Branches 220 Fideuram 10 UBI Banca 1 Figures as at 30 September 2020 (*) Including the branches of the going concern to be sold to BPER Banca Product Companies BAP ASSICURAZIONI Bancassurance and Pension Funds Factoring, Leasing and Consumer Credit (**) Asset Management Fiduciary Services (**) Factoring, Leasing and Consumer Credit activities are also carried out directly by Intesa Sanpaolo S.p.A., the Parent Company 8 The Intesa Sanpaolo Group: international presence Banks, Branches and Representative Offices AMERICA ASIA EUROPA Direct Branches Representative Offices Direct Branches Representative Offices Direct Branches Representative Offices New York Washington D.C. Abu Dhabi Beijing Frankfurt Brussels(1) New York(3) Doha Beirut Istanbul Moscow(4) Dubai Dubai(3) London Country Subsidiaries Branches Representative Offices Hong Kong Ho Chi Minh City Madrid Brazil Intesa Sanpaolo Brasil 1 São Paulo(3) Shanghai Hong Kong(3) Nice(2) OCEANIA Singapore Jakarta Paris Representative Offices Tokyo Mumbai(4) Warsaw Sydney Seoul Shanghai(3) Singapore(3) Country Subsidiaries Branches Albania Intesa Sanpaolo Bank Albania 35 Bosnia and Herzegovina Intesa Sanpaolo Banka Bosna i Hercegovina 48 Croatia Privredna Banka Zagreb 165 Czech Republic VUB Banka 1 Hungary CIB Bank 63 Ireland Intesa Sanpaolo Bank Ireland 1 Luxembourg Fideuram Bank Luxembourg 1 Intesa Sanpaolo Bank Luxembourg 1 Moldova Eximbank 17 Romania Intesa Sanpaolo Bank Romania 32 Russian Federation Banca Intesa 28 Serbia Banca Intesa Beograd 155 Slovakia VUB Banka 187 Slovenia Intesa Sanpaolo Bank 46 Switzerland Intesa Sanpaolo Private Bank (Suisse) Morval 2 The Netherlands Intesa Sanpaolo Bank Luxembourg 1 AFRICA Ukraine Pravex Bank 45 Representative Offices Country Subsidiaries Branches United Kingdom Intesa Sanpaolo Private Bank (Suisse) Morval 1 Casablanca(3) Cairo Egypt Bank of Alexandria 176 Figures as at 30 September 2020 (1) European Regulatory & Public Affairs (2) UBI Banca branch (3) UBI Banca Representative Office Product Companies (4) The Group is also present through the UBI Banca Representative Office E-money and Payment Systems Leasing Wealth Management 9 Board of Directors, Manager responsible for preparing the Company’s financial reports and Independent Auditors Board of Directors Chairman Gian Maria GROS-PIETRO Deputy Chairperson Paolo Andrea COLOMBO Managing Director and Chief Executive Officer Carlo MESSINA (a) Directors Franco CERUTI Roberto FRANCHINI (1) (*) Anna GATTI Rossella LOCATELLI Maria MAZZARELLA Fabrizio MOSCA (*) Milena Teresa MOTTA (*) Luciano NEBBIA Bruno PICCA Alberto Maria PISANI (**) Livia POMODORO Andrea SIRONI (2) Maria Alessandra STEFANELLI Guglielmo WEBER Daniele ZAMBONI Maria Cristina ZOPPO (*) Manager responsible for preparing the company’s financial reports Fabrizio DABBENE Independent Auditors KPMG S.p.A. (a) General Manager (*) Member of the Management Control Committee (**) Chairman of the Management Control Committee (1) Was appointed as a Director at the Shareholders’ Meeting of 27 April 2020 replacing Corrado Gatti who had ceased to hold office (2) Was appointed as a Director at the Shareholders’ Meeting of 27 April 2020, following co-option by the Board of Directors on 2 December 2019 11 Introduction As is known, Legislative Decree 25 of 15 February 2016, which implemented the Transparency Directive (2013/50/EU), eliminated the obligation to publish interim statements and gave Consob the option of establishing any additional disclosure obligations with respect to the annual and half-yearly reports. By Resolution 19770 dated 26 October 2016, Consob, pursuant to regulatory delegation provided for in said Decree, approved the changes to the Issuers’ Regulation on periodic additional financial disclosure, which have applied since 2 January 2017. Under these regulations, listed companies have the right to select whether or not to publish periodic additional financial disclosure. When it announced its 2020 financial calendar to the market, Intesa Sanpaolo confirmed that, pursuant to Art. 65-Bis and Art. 82-ter of the Issuers’ Regulation, it intends to publish financial information – on a voluntary basis – as at 31 March and 30 September of each financial year, in addition to the annual report and half-yearly reports. This information consists of interim statements approved by the Board of Directors. As illustrated in detail in the chapter “Criteria for the preparation of the Interim Statement”, the Interim Statement as at 30 September 2020 has been prepared, in consolidated form, in compliance with the recognition and measurement criteria required by the IAS/IFRS issued by the International Accounting Standards Board (IASB) and the relative interpretations of the International Financial Reporting Interpretations Committee (IFRIC) and endorsed by the European Commission as provided for by Community Regulation 1606 of 19 July 2002. The Interim Statement contains the Balance sheet, the Income statement, the Statement of comprehensive income for the period, the Changes in shareholders’ equity, and the Report on operations. It is also complemented by information on significant events which occurred
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