Financial Ratios Intesa Sanpaolo S.p.A.

Equities

ISP

IT0000072618

Banks

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Published financial data: INTESA SANPAOLO S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	10.18B	10.47B	13.23B	32.52B	34.6B
Interest Income On Investments	86M	161M	225M	660M	800M
Interest Income, Total	10.27B	10.63B	13.46B	33.18B	35.4B
Interest On Deposits	2.45B	2.48B	3.55B	15.59B	16.51B
Interest Expense, Total	2.45B	2.48B	3.55B	15.59B	16.51B
Net Interest Income	7.82B	8.15B	9.91B	17.6B	18.89B
Income From Trading Activities	628M	503M	-149M	513M	493M
Gain (Loss) on Sale of Loans	-193M	201M	167M	-58M	50M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	4.41B	5.72B	1.72B	2.03B	2.64B
Total Other Non Interest Income	5.97B	6.35B	9.4B	4.43B	4.44B
Non Interest Income, Total	10.82B	12.78B	11.14B	6.92B	7.62B
Revenues Before Provison For Loan Losses	18.63B	20.93B	21.05B	24.52B	26.51B
Provision For Loan Losses	4.34B	2.81B	2.58B	1.36B	1.13B
Total Revenues	14.3B	18.12B	18.47B	23.16B	25.38B
Salaries And Other Employee Benefits	5.96B	6.59B	6.71B	6.59B	6.77B
Amort. of Goodwill & Intang. Assets	701M	786M	858M	808M	864M
Occupancy Expense	545M	617M	636M	605M	583M
Selling General & Admin Expenses, Total	4.53B	4.94B	4.87B	4.83B	3.31B
(Income) Loss on Equity Invest.	-	-138M	-232M	-163M	32M
Total Other Non Interest Expense	-637M	-613M	-589M	-592M	728M
Non Interest Expense, Total	11.1B	12.18B	12.25B	12.08B	12.29B
EBT, Excl. Unusual Items	3.2B	5.94B	6.22B	11.08B	13.09B
Restructuring Charges	-2.27B	-378M	-169M	-307M	-832M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-981M	-	-	-	-
Asset Writedown	-48M	-65M	-76M	-63M	-67M
Insurance Settlements	-	-	-	-	-
Legal Settlements	-133M	-221M	-	-	-92M
Other Unusual Items	2.44B	-93M	28M	36M	-41M
EBT, Incl. Unusual Items	2.21B	5.18B	6.01B	10.75B	12.06B
Income Tax Expense	59M	1.14B	1.63B	2.99B	3.4B
Earnings From Continuing Operations	2.15B	4.04B	4.38B	7.75B	8.66B
Earnings Of Discontinued Operations	1.14B	-	-	-	-
Net Income to Company	3.28B	4.04B	4.38B	7.75B	8.66B
Minority Interest	-8M	142M	-23M	-28M	7M
Net Income - (IS)	3.28B	4.18B	4.35B	7.72B	8.67B
Net Income to Common Incl Extra Items	3.28B	4.18B	4.35B	7.72B	8.67B
Net Income to Common Excl. Extra Items	2.14B	4.18B	4.35B	7.72B	8.67B
Per Share Items
Net EPS - Basic	0.18	0.22	0.23	0.42	0.48
Basic EPS - Continuing Operations	0.12	0.22	0.23	0.42	0.48
Basic Weighted Average Shares Outstanding	18.24B	19.38B	19.32B	18.37B	18.02B
Net EPS - Diluted	0.18	0.22	0.23	0.42	0.48
Diluted EPS - Continuing Operations	0.12	0.22	0.23	0.42	0.48
Diluted Weighted Average Shares Outstanding	18.24B	19.38B	19.32B	18.37B	18.02B
Normalized Basic EPS	0.11	0.2	0.2	0.38	0.45
Normalized Diluted EPS	0.11	0.2	0.2	0.38	0.45
Dividend Per Share	0.04	0.25	0.16	0.3	0.34
Payout Ratio	0.37	96.56	68.12	55.58	67.27
American Depositary Receipts Ratio (ADR)	6	6	6	6	6
Supplemental Items
Effective Tax Rate - (Ratio)	2.67	21.96	27.14	27.86	28.19
Total Current Taxes	429M	-500M	243M	1.7B	1.58B
Total Deferred Taxes	-370M	1.64B	1.39B	1.3B	1.82B
Normalized Net Income	1.99B	3.85B	3.87B	6.9B	8.19B
Non-Cash Pension Expense	18M	10M	18M	39M	34M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	199M	220M	146M	158M	148M
Total Stock-Based Compensation	199M	220M	146M	158M	148M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	9.81B	14.76B	113B	89.27B	40.53B
Investment Securities, Total	268B	312B	254B	279B	299B
Trading Asset Securities, Total	57.55B	50.62B	43.75B	39.47B	44.34B
Total investments	326B	362B	298B	318B	343B
Gross Loans	515B	520B	505B	489B	482B
Allowance For Loan Losses	-	-10.65B	-7.76B	-7.39B	-7.16B
Net Loans	515B	509B	497B	482B	475B
Gross Property Plant And Equipment	18.48B	18.74B	18.79B	17.97B	17.68B
Accumulated Depreciation	-8.39B	-8.75B	-9.05B	-9.03B	-9.42B
Net Property Plant And Equipment	10.09B	9.99B	9.74B	8.94B	8.25B
Goodwill	3.15B	3.57B	3.63B	3.67B	3.7B
Other Intangibles, Total	5.04B	5.77B	6.2B	5.85B	6.16B
Investment in Real Estate	762M	798M	770M	887M	770M
Loans Held For Sale	-	-	-	-	-
Other Receivables	8.17B	12.57B	4.19B	2.6B	2.29B
Restricted Cash	73.4B	127B	5.43B	7.7B	7.74B
Other Current Assets, Total	28.7B	1.42B	638M	264M	667M
Deferred Tax Assets Long-Term (Collected)	17.18B	15.25B	14.75B	12.6B	11.27B
Other Real Estate Owned And Foreclosed	-	-	-	-	-
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	5.2B	6.12B	22.47B	31.47B	33.9B
Total Assets	1,003B	1,069B	976B	964B	933B
Liabilities
Accounts Payable, Total	1.98B	2.27B	1.88B	1.69B	1.75B
Accrued Expenses, Total	5.37B	5.64B	4.09B	4.4B	2.64B
Interest Bearing Deposits	116B	117B	111B	80.94B	86.12B
Non-Interest Bearing Deposits	386B	427B	416B	368B	365B
Total Deposits	502B	544B	527B	449B	451B
Short-Term Borrowings	57.18B	50.56B	48.03B	68.86B	75.71B
Long-Term Debt	197B	241B	208B	199B	155B
Long-Term Leases	1.75B	1.39B	1.32B	1.22B	1.1B
Current Income Taxes Payable	284M	363M	297M	458M	383M
Other Current Liabilities - (Bank / Utility Template)	56.44B	25.75B	10.04B	10.98B	8.66B
Unearned Revenue Non Current	780M	945M	932M	-	-
Pension & Other Post Retirement Benefits	1.52B	1.39B	991M	865M	804M
Deferred Tax Liability Non-Current	2.74B	1.92B	2.01B	1.49B	1.71B
Other Non Current Liabilities	109B	131B	109B	161B	169B
Total Liabilities	936B	1,005B	914B	899B	868B
Common Stock, Total	10.08B	10.08B	10.37B	10.37B	10.37B
Additional Paid In Capital	27.44B	27.29B	28.05B	28B	27.6B
Retained Earnings	19.75B	19.4B	17.88B	18.81B	19.71B
Treasury Stock	-130M	-136M	-124M	-140M	-179M
Comprehensive Income and Other	8.73B	7.14B	5.48B	6.92B	7.68B
Total Common Equity	65.87B	63.78B	61.66B	63.96B	65.18B
Minority Interest	450M	291M	166M	164M	145M
Total Equity	66.32B	64.07B	61.82B	64.13B	65.32B
Total Liabilities And Equity	1,003B	1,069B	976B	964B	933B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	19.39B	19.4B	18.96B	18.26B	17.78B
ECS Total Common Shares Outstanding	19.39B	19.4B	18.96B	18.26B	17.78B
Book Value / Share	3.4	3.29	3.25	3.5	3.67
Tangible Book Value	57.68B	54.43B	51.82B	54.44B	55.32B
Tangible Book Value Per Share	2.97	2.81	2.73	2.98	3.11
Total Debt	256B	293B	258B	269B	232B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.57B	1.45B	978M	811M	679M
Net Debt	162B	195B	73.74B	111B	111B
Equity Method Investments, Total	2B	1.65B	2.01B	2.5B	3.04B
Full Time Employees	106K	97.7K	95.57K	94.37K	94.74K
Number Of Offices	6.31K	4.72K	4.56K	4.26K	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	3.28B	4.18B	4.35B	7.72B	8.67B
Depreciation, Depletion & Amortization	600M	687M	654M	636M	667M
Amortization of Goodwill and Intangible Assets - (CF)	257M	264M	858M	801M	58M
Total Depreciation, Depletion & Amortization	857M	951M	1.51B	1.44B	725M
Amortization of Deferred Charges, Total	561M	628M	-	-	1.02B
(Gain) Loss on Sale of Investments - (CF)	-7.6B	-1.76B	533M	-1.74B	1.15B
Total Asset Writedown	987M	44M	28M	38M	44M
Restructuring Activities	-	-	160M	214M	-
Provision for Credit Losses	4.96B	3.62B	3.15B	1.78B	1.57B
Change in Trading Asset Securities	23.67B	-4.17B	16.62B	-12.2B	-7.83B
Change in Other Net Operating Assets (Collected)	-33.05B	2.12B	74.48B	-17.49B	-51.18B
Other Operating Activities	4.17B	3.18B	1.44B	2.9B	5.66B
Cash from Operations	-2.17B	8.8B	102B	-17.34B	-40.19B
Capital Expenditure	-430M	-775M	-576M	-334M	-286M
Sale of Property, Plant, and Equipment	96M	96M	78M	633M	79M
Cash Acquisitions	-389M	-446M	1.07B	-	153M
Divestitures	1.29B	-	-	-	-
Purchase / Sale of Intangible Assets	-1B	-1.1B	-1.27B	-1.25B	-1.38B
Investment in Marketable and Equity Securities, Total	50M	-50M	78M	288M	133M
Other Investing Activities, Total	23M	48M	79M	73M	53M
Cash from Investing	-357M	-2.23B	-538M	-588M	-1.25B
Issuance of Common Stock	2.75B	-	616M	417M	355M
Repurchase of Common Stock	-26M	-1.54B	-1.12B	-1.71B	-1.74B
Common Dividends Paid	-12M	-4.04B	-2.97B	-4.29B	-5.83B
Common & Preferred Stock Dividends Paid	-12M	-4.04B	-2.97B	-4.29B	-5.83B
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	-30M	-14M	-50M	-7M	23M
Cash from Financing	2.68B	-5.59B	-3.52B	-5.59B	-7.19B
Foreign Exchange Rate Adjustments	-84M	37M	-52M	-136M	-115M
Miscellaneous Cash Flow Adjustments	1M	-	-	-	-
Net Change in Cash	69M	1.02B	98.17B	-23.65B	-48.74B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.24	0.39	0.43	0.8	0.91
Return On Equity %	3.51	6.2	6.95	12.36	13.38
Return on Common Equity	3.51	6.46	6.94	12.35	13.42
Shareholders Value Added	-2.36B	-3.09B	-2.21B	1.21B	1.5B
Margin Analysis
SG&A Margin	77.16	67.03	66.1	51.92	42.02
Net Interest Income / Total Revenues %	54.68	45.01	53.65	75.99	74.44
EBT Excl. Non-Recurring Items Margin %	22.39	32.78	33.7	47.85	51.58
Income From Continuing Operations Margin %	15.03	22.32	23.7	33.48	34.12
Net Income Margin %	22.92	23.1	23.57	33.35	34.15
Net Avail. For Common Margin %	14.97	23.1	23.57	33.35	34.15
Normalized Net Income Margin	13.94	21.27	20.94	29.78	32.27
Asset quality
Nonperforming Loans / Total Loans %	4.06	2.93	2.11	2.02	-
Nonperforming Loans / Total Assets %	2.08	1.43	1.09	1.03	-
Nonperforming Assets / Total Assets %	2.12	1.43	1.09	1.03	-
NPAs / Loans and OREO	4.12	2.93	2.11	2.02	-
NPAs / Equity	32.04	23.8	17.21	15.43	-
Allowance for Credit Losses / Net Charge-offs %	-	732.9	994.11	1.44K	-
Allowance for Credit Losses / Nonperforming Loans %	-	69.83	72.96	74.7	-
Allowance for Credit Losses / Total Loans %	-	2.05	1.54	1.51	1.48
Provision for Loan Losses / Net Charge-offs %	156.5	193.6	330.22	264.4	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.7	6.26	6.13	6.45	6.81
Total Average Equity / Total Average Assets %	6.74	6.29	6.16	6.47	6.82
Total Equity + Allowance for Loan Losses / Total Loans %	12.78	14.31	13.75	14.58	15.01
Gross Loans / Total Deposits %	102.57	95.68	95.83	108.92	106.81
Net Loans / Total Deposits %	102.57	93.72	94.36	107.28	105.22
Tier 1 Capital Ratio %	16.9	16.4	16.2	16.3	-
Total Capital Ratio %	19.6	19.1	19.1	19.2	-
Core Tier 1 Capital Ratio	14.7	14.5	13.8	13.7	-
Tier 2 Capital Ratio	2.7	2.74	2.84	2.91	-
Coverage Ratio	-	69.83	72.96	74.7	-
Interbank Ratio	111.96	119.18	67.67	47.32	89.77
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.9	3.09	2.69	1.69	1.73
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	11.04	4.3	21.54	40.99	7.35
Non Interest Income, 1 Yr. Growth %	-1.28	17.96	-12.81	-14.6	10.07
Provision For Loan Losses, 1 Yr. Growth %	99.86	-35.11	-8.32	-47.31	-16.78
Total Revenues, 1 Yr. Growth %	-9.66	26.57	1.95	28.62	9.58
Earnings From Cont. Operations, 1 Yr. Growth %	-47.69	88.13	8.26	76.1	11.7
Net Income, 1 Yr. Growth %	-21.64	27.71	4.04	76.39	12.2
Normalized Net Income, 1 Yr. Growth %	-45.3	135.56	1.11	75.99	18.15
Diluted EPS Before Extra, 1 Yr. Growth %	-50.19	84	4.37	85.26	14.29
Dividend Per Share, 1 Yr. Growth %	-	601.96	-34.6	80.6	15.2
Gross Loans, 1 Yr. Growth %	24.79	1.71	-2.95	-3.03	-1.58
Allowance For Loan Losses, 1 Yr. Growth %	-	-	-27.09	-4.79	-5.72
Net Loans, 1 Yr. Growth %	24.79	-0.37	-2.45	-3.01	-1.52
Non Performing Loans, 1 Yr. Growth %	-33.23	-27.03	-30.21	-7.01	-
Non Performing Assets, 1 Yr. Growth %	-	-27.03	-30.21	-7.01	-
Total Assets, 1 Yr. Growth %	22.85	6.62	-8.73	-1.13	-3.14
Total Deposits, 1 Yr Growth %	23.69	8.22	-3.11	-11.68	0.43
Tangible Book Value, 1 Yr. Growth %	23.35	-5.62	-4.79	4.96	1.61
Common Equity, 1 Yr. Growth %	17.69	-3.18	-3.32	4.68	1.9
Total Equity, 1 Yr. Growth %	17.98	-3.4	-3.5	4.66	1.86
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	2.54	7.61	12.59	46.9	23.03
Non Interest Income, 2 Yr. CAGR %	1.44	7.99	1.42	-26.4	-3.05
Provision For Loan Losses, 2 Yr. CAGR %	31.5	13.88	-22.87	-30.49	-33.78
Total Revenues, 2 Yr. CAGR %	-3.77	6.99	13.6	13.06	18.72
Earnings From Cont. Operations, 2 Yr. CAGR %	-26.92	-0.79	42.72	38.47	40.25
Net Income, 2 Yr. CAGR %	-10.05	0.04	15.27	35.85	40.68
Normalized Net Income, 2 Yr. CAGR %	-23.8	2.84	53.75	34.29	44.55
Diluted EPS Before Extra, 2 Yr. CAGR %	-29.65	-4.27	38.58	39.45	45.51
Dividend Per Share, 2 Yr. CAGR %	-57.43	-	114.27	8.68	44.24
Gross Loans, 2 Yr. CAGR %	14.31	12.23	-0.65	-2.99	-2.29
Allowance For Loan Losses, 2 Yr. CAGR %	-	-	-	-16.68	-4
Net Loans, 2 Yr. CAGR %	14.31	11.08	-1.41	-2.72	-2.27
Non Performing Loans, 2 Yr. CAGR %	-24.31	-30.2	-28.64	-19.44	-
Non Performing Assets, 2 Yr. CAGR %	-	-	-28.64	-19.44	-
Total Assets, 2 Yr. CAGR %	12.81	14.45	-1.35	-5.06	-2.14
Total Deposits, 2 Yr CAGR %	16.09	15.7	2.4	-9.08	-5.83
Tangible Book Value, 2 Yr. CAGR %	13.36	7.9	-5.21	0.01	3.27
Common Equity, 2 Yr. CAGR %	10.42	6.75	-3.25	0.15	3.28
Total Equity, 2 Yr. CAGR %	10.47	6.75	-3.45	0.05	3.25
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	4.65	3.12	12.07	31.05	32.32
Non Interest Income, 3 Yr. CAGR %	4.46	6.72	0.56	-13.87	-15.84
Provision For Loan Losses, 3 Yr. CAGR %	17.78	3.91	5.94	-32.07	-26.19
Total Revenues, 3 Yr. CAGR %	1.55	5.47	5.28	17.39	11.89
Earnings From Cont. Operations, 3 Yr. CAGR %	-33.64	0.16	2.14	53.36	28.9
Net Income, 3 Yr. CAGR %	-23.49	1.1	1.35	33.08	27.46
Normalized Net Income, 3 Yr. CAGR %	-31.95	3.94	2.01	61.55	28.89
Diluted EPS Before Extra, 3 Yr. CAGR %	-35.44	-3.07	-1.47	52.95	30.5
Dividend Per Share, 3 Yr. CAGR %	-43.97	8.35	-	102.4	10.81
Gross Loans, 3 Yr. CAGR %	8.58	9.67	6.93	-1.45	-2.51
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-	-	-12.41
Net Loans, 3 Yr. CAGR %	8.58	8.92	6.37	-1.95	-2.32
Non Performing Loans, 3 Yr. CAGR %	-26.24	-25.23	-30.2	-22.06	-
Non Performing Assets, 3 Yr. CAGR %	-	-	-	-22.06	-
Total Assets, 3 Yr. CAGR %	7.96	10.71	6.13	-1.32	-4.42
Total Deposits, 3 Yr CAGR %	10.21	13.4	9.05	-3.65	-6.02
Tangible Book Value, 3 Yr. CAGR %	5.97	6.64	3.49	-1.91	0.54
Common Equity, 3 Yr. CAGR %	5.43	5.69	3.28	-0.98	0.73
Total Equity, 3 Yr. CAGR %	5.42	5.64	3.22	-1.12	0.65
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-4.06	-2.12	7.76	18.8	21.82
Non Interest Income, 5 Yr. CAGR %	7.95	11.99	3.26	-8.02	-7.01
Provision For Loan Losses, 5 Yr. CAGR %	9.52	-1.45	-0.56	-11.53	-12.21
Total Revenues, 5 Yr. CAGR %	0.08	6.37	6.23	8.44	9.9
Earnings From Cont. Operations, 5 Yr. CAGR %	-4.78	12.81	-9.86	14.01	16.08
Net Income, 5 Yr. CAGR %	3.65	6.11	-9.86	13.78	15.69
Normalized Net Income, 5 Yr. CAGR %	-5.83	13.49	-9.37	14.98	17.58
Diluted EPS Before Extra, 5 Yr. CAGR %	-5.98	11.27	-12.37	12.11	15.29
Dividend Per Share, 5 Yr. CAGR %	-23.91	7.08	-4.19	8.48	-
Gross Loans, 5 Yr. CAGR %	6.88	6.22	4.63	4.42	3.14
Allowance For Loan Losses, 5 Yr. CAGR %	-	-18.82	-	-	-
Net Loans, 5 Yr. CAGR %	6.88	7.53	4.31	4.1	2.83
Non Performing Loans, 5 Yr. CAGR %	-19.83	-23.48	-27.21	-22.96	-
Non Performing Assets, 5 Yr. CAGR %	-	-	-	-	-
Total Assets, 5 Yr. CAGR %	8.19	8.07	4.13	4.11	2.72
Total Deposits, 5 Yr CAGR %	11.85	10.65	7.01	3.81	2.13
Tangible Book Value, 5 Yr. CAGR %	7.28	5.57	1.35	3.94	3.42
Common Equity, 5 Yr. CAGR %	6.63	5.45	1.87	3.44	3.09
Total Equity, 5 Yr. CAGR %	6.42	5.37	1.78	3.36	3.05