COMPANY PROFILE -Intesa Sanpaolo
Business Sector :Banking & Financial Services
Operating Geography :Italy, Europe, Global
About Intesa Sanpaolo :
Intesa Sanpaolo is an Italian banking group that was formed in January 2007 as a result of the merger between Banca Intesa and Sanpaolo IMI. It is headquartered in Turin, Italy and operates through a network of over 4,000 branches in Italy and numerous international locations. The bank offers a range of financial products and services, including retail banking, corporate and investment banking, asset management, insurance, and wealth management. It serves a diverse customer base, including individuals, small and medium-sized enterprises, large corporations, public entities, and institutional investors. Intesa Sanpaolo is one of the leading banks in Italy, with a market share of around 16%. It is also a major player in the European banking market, with a strong presence in Central and Eastern Europe. As of 2023, Intesa Sanpaolo employed over 74,600 people. The Intesa Sanpaolo Group’s some notable awards include, “The Best Private Bank in Italy award from Global Finance magazine (2022), The Best Bank in Italy award from Global Finance magazine (2021) and The Best Bank for Financial Inclusion in Italy award from Euromoney (2021). Additionally, At the IR Magazine Awards - Europe 2022, Intesa Sanpaolo received three awards: best overall investor relations in the large-cap category, best investor relations officer (large cap) for Marco Delfrate and Andrea Tamagnini, and best in sector award in the financials category.
The USP of Intesa Sanpaolo is that it is a leading player in the European banking market. The bank has a strong commitment to sustainability and social responsibility, and has implemented various initiatives to support environmental protection, social inclusion, and cultural heritage preservation.
Intesa Sanpaolo Revenue :
Euro 13,232 million – FY ending 30th June 2022 (y-o-y growth of 26.3%)
Euro 10,473 million – FY ending 30th June 2021
Competitive Analysis of Intesa Sanpaolo
The SWOT analysis for Intesa Sanpaolo is presented below in a matrix format followed by a detailed analysis:
Strengths | Weaknesses |
1. Wide presence in international markets
2. Operates under diversified business segments
3. Strong focus to drive innovation and digital transformation
4. Leading bank of Italy with the significant number of branches
5. Diversified portfolio of investments
6. Engaged in several national and international partnerships to promote growth
| 1. Highly dependent on domestic market for revenues
|
Opportunities | Threats |
1. Strategic partnerships to facilitate growth
2. Investments for new digital banking platform
3. Tapping into middle eastern countries
4. Wealth Management, Protection, and Advisory are driving growth in commissions
| 1. Stiff competition from other European banks
2. Increase in cases of cyber-security breaches
3. Shedding risk weighted assets to comply with ECB guidelines
|
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Detailed SWOT Analysis of Intesa Sanpaolo
Strength
This section is available only in the 'Complete Report' on purchase.
Weakness
1. Highly dependent on domestic market for revenues: Around 90% of its income comes from its domestic market and any sudden or big enough disturbance in any of the factors influencing its operations can bring the institution down single handed. Moreover, it has tremendous scope for expansion and growth in markets of the middle east and also markets like Turkey. This bank follows a policy of very high pay-out i.e., of around 80%-85 which is not of much value for the institution. Rather it can invest that amount in increasing its non-Italian presence if it strives to be one of the leading global banks. There will be new avenues to invest on and ultimately it will lead to higher incomes and satisfactory pay-out rates to its shareholders in the long run.
Opportunity
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Threat
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The PESTLE analysis for Intesa Sanpaolo is presented below in a matrix format followed by a detailed analysis:
Political | Economic |
1. Impact of Russia-Ukraine war on banks
2. Ongoing banking crisis unlikely to affect Italian banking
| 1. Weakening in Australian dollar impacting operations
2. Impact of energy crisis and inflationary pressures
|
Social | Technological |
1. Increase in demand for bancassurance due to ageing population
2. Contributions towards urban regeneration and social upliftment
3. Italy's aging population and financial literacy challenge creating opportunities for asset management
| 1. Stepping into new digital business |
Legal | Environmental |
1. Antitrust inquiry due to unfair trade practices
2. Subject to fines due to non-compliances
3. ECB's constant interest rate hikes, regulatory tightening leading to growth in margins
| 1. Partnership for sustainable supply chain in Italy
2. Initiatives to become net-zero company
3. Strengthening its offering of sustainable investment products
|
Intesa Sanpaolo SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
Detailed Pestle Analysis of Intesa Sanpaolo
Political
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Economic
1. Weakening in Australian dollar impacting operations: Due to the impact of the global economic picture and the RBA's reluctance to raise interest rates relative to its peers, the Australian dollar is likely to face further near-term weakness against the US dollar, euro, and pound. The RBA has admitted that it wants to preserve domestic growth by raising interest rates more slowly than other major central banks. However, due to the expected interruption of the US dollar's uptrend, a generally more favourable scenario for commodities, and the gradual expected decline in domestic inflation, a recovery is expected to begin in 2023. The decision by Chinese authorities to reverse their zero-Covid policy will also be a key determinant of the AUD's fortunes, and a more lenient attitude towards Covid could aid a more sustained recovery. This weakening affect Intesa’s clients' investment decisions and trading strategies, which could indirectly impact the bank's revenues from trading and other financial services.
The remaining section under "Economic" is available only in the 'Complete Report' on purchase.
Social
This section is available only in the 'Complete Report' on purchase.
Technological
This section is available only in the 'Complete Report' on purchase.
Legal
This section is available only in the 'Complete Report' on purchase.
Environmental
This section is available only in the 'Complete Report' on purchase.
Intesa Sanpaolo SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
TABLE OF CONTENTS
DELIVERY AND FORMAT
WHY CHOOSE US?
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References used in Intesa Sanpaolo SWOT & PESTLE Analysis Report
1. Annual Report - https://group.intesasanpaolo.com/content/dam/portalgroup/repository-documenti/investor-relations/bilanci-relazioni-en/2022/2022_Annual_report.pdf
2. Company website - https://group.intesasanpaolo.com/en/about-us
3. Australian Dollar "Will Remain Exposed to New Weakness" says Intesa Sanpaolo - https://www.poundsterlinglive.com/aud/17766-australian-dollar-will-remain-exposed-to-new-weakness-says-intesa-sanpaolo
4. Intesa Sanpaolo is under inquiry by Italy's antitrust - https://thepaypers.com/online-mobile-banking/intesa-sanpaolo-is-under-inquiry-by-italys-antitrust--1258441
The detailed complete set of references are available on request in the 'Complete report' on purchase.
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