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Published on 01/26/2026 at 12:56 am EST
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(Alliance News) – Intesa Sanpaolo will focus on international expansion in the new business plan to be presented by Carlo Messina on February 2.
As anticipated by Milano Finanza, the main growth drivers will be the Foreign Banks and IMI CIB divisions, while the Italian market will continue to be overseen by the Banca dei Territori and other domestic activities.
The strategy will prioritize organic growth, with no consolidation targets, in order to avoid Antitrust restrictions in a now saturated domestic market.
In recent years, Intesa has stayed out of the banking consolidation game, after previously playing a leading role with the rescue of the Venetian banks and the acquisition of UBI.
The new plan will start from a solid 2025 balance sheet: net profit expected to exceed EUR9 billion, non-performing loans at 1%, contained risk cost, and a cost/income ratio down to 38.9%. The CET 1 ratio at 13.9% ensures capital stability and a generous remuneration policy, with a payout at 70%.
The core of growth will remain fee-based revenues, driven by wealth management, advisory services, and insurance, which offset the volatility of net interest margin. The group’s product factories will continue to operate in an integrated manner with the commercial network.
On the technology front, Intesa will capitalize on investments of over EUR6 billion, expanding the Isytech platform and focusing on cloud and artificial intelligence, with attention to job protection. Internationally, the foreign banks, which have already generated EUR1 billion in profit in the first nine months, and IMI CIB will be central, with a possible strengthening in the Middle East, including a direct entry into Saudi Arabia.
Thanks to solid market multiples and one of the strongest capital positions in Europe, Intesa has the resources to remain a leading player both domestically and internationally.
By Giuseppe Fabio Ciccomascolo, Alliance News senior reporter
Comments and questions to redazione@alliancenews.com
Copyright 2026 Alliance News IS Italian Service Ltd. All rights reserved.
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