SI
Bank Universe

Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

Intesa Sanpaolo

ISP
Italy · EuropeRegulated by ECBLatest: 2025-Q2
64MED

CET1 Ratio

12.97%

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$308.5B

Latest quarter

Total Loan Book

Latest quarter

Leverage Ratio

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Concentration data unavailable

Leveraged loans not reported in FDIC call reports

Metric History

9 quarters · EBA Transparency Exercise · approximate estimates

8 of 9 quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2025-Q2latest12.97%$308.5B64
2024-Q4approx14.70%6.50%$314.0B$436.0B+3.8%+0.60%14.0%20.0%37.0%47
2024-Q3approx14.50%6.40%$312.0B$432.0B+3.8%+0.60%14.0%20.0%37.0%44
2024-Q2approx14.40%6.30%$310.0B$428.0B+3.9%+0.60%14.0%20.0%37.0%44
2024-Q1approx14.30%6.20%$308.0B$424.0B+3.9%+0.70%14.0%20.0%37.0%39
2023-Q4approx14.20%6.10%$306.0B$420.0B+4.4%+0.70%14.0%20.0%36.0%36
2023-Q3approx14.00%6.00%$304.0B$416.0B+4.5%+0.70%14.0%20.0%36.0%46
2023-Q2approx13.80%5.90%$302.0B$412.0B+4.4%+0.70%14.0%20.0%36.0%41
2023-Q1approx13.60%5.80%$300.0B$408.0B+4.2%+0.50%14.0%20.0%36.0%41

AI Investment Memo

Llama will analyze Intesa Sanpaolo across 4 data dimensions and write a structured memo

Score: 64/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

64/100 —MEDIUM

Repeat issuer · scored on re-issuance timing

Re-issuance timing64
Last deal
3 mo ago
Typical cadence
15 mo
Through its re-issue cycle19%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure4/40
CET1 12.97% — below active SRT zone
+4
-0.97pp headroom above 8% regulatory floor
+0
Loan Book Growth0/30
Concentration data unavailable
+0
Historical SRT15/25
Bank has previously issued SRT transactions
+15
3 months since last deal — recently completed
+0
Macro Context9/10
Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts
+9
Large Bank

$500B–$1.25T total assets — active repeat issuers, genuine sourcing targets

+5
Europe regional bonus+8
Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood64/100