Retail Banking in Italy


August 31, 2006
67 Pages - SKU: ODS1354012
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Countries covered: Italy

The total asset value of the Italian Banking market, estimated at € 2,560 billion in 2005, represents the fourth largest market in Europe (after Germany, the UK and France). In terms of overall assets held in European banks, Italy accounts for approximately 8%.

This reports analyses trends in the industry between 2000 and 2005. Where current data are not available, unless stated otherwise, projections are made using the average rate of change during previous years. Figures are presented in euros.

Between 2000 and 2005, the Italian banking sector underwent significant change, in terms of both market size and competitive structure. The most important developments in the industry can be summarized as:
  • An estimated 43% expansion in the total assets value of banking products between 2000 and 2005.
  • High rates of growth in mortgages lending and consumer-spending, driven by a sustained period of low interest rate.
  • High growth in the supply of bank Automated Teller Machines (ATM), electronic Point of Sale devices (POS) and credit cards.
  • Increased regulation through the implementation of the European Financial Services Action Plan.
  • Internal reforms of the supervisory authorities to enhance the consumer protection and the transparency of the banking sector.
The aim of this report is to present key data relating to these changes, present them in an accessible manner, providing analysis in order to assess the state of the industry and, moving forward, to ascertain the key drivers of change.

Sources of data of particular importance are publications from Italian Central Bank, the Italian Banking Association and the European Banking Association.

Other sources of data include annual reports from banking companies, such as Unicredit Banking Group, Intesa Banking Group, Sanpaolo-IMI Banking Group, Monte dei Paschi di Siena Banking Group, Capitalia Banking Group.

Although the report deals exclusively with Italy, its scope is occasionally broadened where insight may be gained from placing the domestic market in a wider international context.


1 Introduction


2 Definition


3 Executive Summary


4 Market Size
4.1 Total Value of Banking Products in Italy
4.2 Total Value of Major Banks
4.3 Italian Banks in the European Context


5 Market Sectors
5.1 Savings
5.1.1 Deposits
5.2 Lending
5.2.1 Mortgage Lending
5.2.2 Credit Card Lending
5.3 Delivery of services
5.3.1 Branch Networks
5.3.2 Staff numbers
5.4 Technology
5.4.1 ATMs and POSs
5.4.2. Internet Banking

6 Market Share
6.1 Share of Total Assets of Major Italian Banks


7 Market Structure
7.1 Total Assets and Growth Rates
7.2 Regulation
7.2.1 Italian Regulation
7.2.2 European Regulation

8 Key Players
8.1 Unicredit Bank
8.1.1 Profits
8.1.2 Total Assets
8.1.3 Number of Branches
8.1.4 Staffing
8.1.5 Advertising Expenditure
8.1.6 Outlook
8.2 Intesa Bank
8.2.1 Profits
8.2.2 Total Assets
8.2.3 Number of Branches
8.2.4 Staffing
8.2.5 Advertising Expenditure
8.2.6 Outlook
8.3 Sanpaolo IMI Bank
8.3.1 Profits
8.3.2 Total Assets
8.3.3 Number of Branches
8.3.4 Staffing
8.3.5 Advertising Expenditure
8.3.6 Outlook
8.4 Monte dei Paschi di Siena Bank
8.4.1 Profits
8.4.2 Total Assets
8.4.3 Number of Branches
8.4.4 Staffing
8.4.5 Advertising Expenditure
8.4.6 Outlook
8.5 Capitalia Banking Group
8.5.1 Profits
8.5.2 Total Assets
8.5.3 Number of Branches
8.5.4 Staffing
8.5.5 Advertising Expenditure
8.5.6 Outlook

9 Sources & Definitions
9.1 References
9.2. Marketing Contacts
9.2 Key players’ Italian Web Pages


10 For Further Information
10.1 Related Research & Analysis


LIST OF TABLES
Table 1: Italian Banking Products Market Size Measured by Total Assets of Italian Banks (€ Millions), 2000-2005(est.)
Table 2: Major Banks Balance Sheet, 2000-2005
Table 3: Total Assets of European Banks, (€ billions), 2000 and 2004
Table 4: Total Deposits & Value of Current Accounts, (Millions Euros), 2000-2005
Table 5: Major Banks Deposits, (Millions Euros), 2000-2005
Table 6: Total Lending (€ millions), 2000-2005
Table 7: Household Loans and Non-Financial Firms Loans, (€ millions), 2000-2005
Table 8: Short-term Loans and Long-term Loans, (€ millions), 2000-2005
Table 9: Outstanding Mortgage Lending, (€ billions), 2000-2005
Table 10: Credit Card Lending, (€ millions), 2000-2005
Table 11: Number of Italian Branches, 2000-2005
Table 12: Number of Italian Bank Staff, 2000-2005
Table 13: Number of Italian ATMs, 2000-2005
Table 14: Number of Italian POSs, 2000-2005
Table 15: Number of Italian Internet Customer, 2000-2005
Table 16: Total Assets of Major Italian Banks (€ millions), 2000-2005
Table 17: Percentage Share of Total Assets of Major Italian Banks, 2005
Table 18: Total Assets & Average Growth Rates of Major Italian Banks, 2000-2005
Table 19: Unicredit Net Income, (Millions Euros), 2000-2005
Table 20: Unicredit Total Assets, (Millions Euros), 2000-2005
Table 21: Unicredit Branch Network, 2000-2005
Table 22: Unicredit Staff, 2000-2005
Table 23: Unicredit Advertising Expenditure, (Millions Euros), 2001-2005
Table 24: Intesa Bank Net Income, (Millions Euros), 2000-2005
Table 25: Intesa Bank Total Assets (Millions Euros), 2000-2005
Table 26: Intesa Bank Branch Network, 2001-2005
Table 27: Intesa Bank Staff, 2001-2005
Table 28: Intesa Bank Advertising Expenditure, (Millions Euros), 2001-2005
Table 29: Sanpaolo IMI Net Income (Millions Euros), 2000-2005
Table 30: Sanpaolo IMI Total Assets, (Millions Euros), 2000-2005
Table 31: Sanpaolo IMI Branch Network, 2000-20005
Table 32: Sanpaolo IMI Staff, 2000-2005
Table 33: Sanpaolo IMI Advertising Expenditure, (Millions Euros) 2000-2005
Table 34: MPS Net Income, (Millions Euros), 2000-2005
Table 35: MPS Total Assets, (Millions Euros), 2000-2005
Table 36: MPS Branch Network, 2000-2005
Table 37: MPS Staff, 2000-2005
Table 38: MPS Advertising Expenditure, (Millions Euros), 2000-2005
Table 39: Capitalia Net Income, (Millions Euros), 2000-2005
Table 40: Capitalia Total Assets, (Millions Euros), 2000-2005
Table 41: Capitalia Branch Network, 2000-2005
Table 42: Capitalia Staff, 2000-2005
Table 43: Capitalia Advertising Expenditure, 2000-2005


LIST OF FIGURES
Figure 1: Total Assets and Major Banks Assets, (€ Millions), 2000-2005.
Figure 2: Major Banks Aggregate Balance Sheet (€ millions), 2000-2005
Figure 3: Total Assets of European Banks, (€ billions), 2000 and 2004
Figure 4: Total Deposits & Value of Current Accounts, (Millions Euros), 2000-2005
Figure 5: Major Banks Deposits, (Millions Euros), 2000-2005
Figure 6: Total Lending (€ millions), 2000-2005
Figure 7: Composition of Household & Non-Financial Firms Loans, (€ millions), 2000-
2005
Figure 8: Composition of Household & Non-Financial Firms Loans, (€ millions), 2000
Figure 9: Composition of Household & Non-Financial Firms Loans, (€ millions), 2005
Figure 10: Short-term Loans and Long-term Loans, (€ millions), 2000-2005
Figure 11: Outstanding Mortgage Lending, (€ billions), 2000-2005
Figure 12: Credit Card Lending, (€ millions), 2000-2005
Figure 13: Number of Italian Branches, 2000-2005
Figure 14: Number of Italian Bank Staff, 2000 - 2005
Figure 15: Number of Italian ATMs, 2000-2005
Figure 16: Number of Italian POSs, 2000-2005
Figure 17: Number of Italian Internet Customer, 2000-2005
Figure 18: Shares Total Assets of Major Italian Banks, 2005
Figure 19: Relative Market Share & Annual Growth of Major Italian Banks, 2000-2005 34
Figure 20: Unicredit Net Income, (Millions Euros), 2000-2005
Figure 21: Unicredit Total Assets, (Millions Euros), 2000-2005
Figure 22: Unicredit Branch Network, 2000-2005
Figure 23: Unicredit Staff, 2000-2005
Figure 24: Unicredit Advertising Expenditure, (Millions Euros), 2001-2005
Figure 25: Intesa Bank Net Income, (Millions Euros), 2000-2005
Figure 26: Intesa Bank Total Assets (Millions Euros), 2000-2005
Figure 27: Intesa Bank Branch Network, 2001-2005
Figure 28: Intesa Bank Staff, 2001-2005
Figure 29: Intesa Bank Advertising Expenditure, (Millions Euros), 2001-2005
Figure 30: Sanpaolo IMI Net Income (Millions Euros), 2000-2005
Figure 31: Sanpaolo IMI Total Assets, (Millions Euros), 2000-2005
Figure 32: Sanpaolo IMI Branch Network, 2000-2005
Figure 33: Sanpaolo IMI Staff, 2000-2005
Figure 34: Sanpaolo IMI Advertising Expenditure, (Millions Euros) 2000-2005
Figure 35: MPS Net Income, (Millions Euros), 2000-2005
Figure 36: MPS Total Assets, (Millions Euros), 2000-2005
Figure 37: MPS Branch Network, 2000-2005
Figure 38: MPS Staff, 2000-2005
Figure 39: MPS Advertising Expenditure, (Millions Euros), 2000-2005
Figure 40: Capitalia Net Income, (Millions Euros), 2000-2005
Figure 41: Capitalia Total Assets, (Millions Euros), 2000-2005
Figure 42: Capitalia Branch Network, 2000-2005
Figure 43: Capitalia Staff, 2000-2005
Figure 44: Capitalia Advertising Expenditure, 2000-2005

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