Capital ratio of Intesa Sanpaolo 2014-2023

The capital ratio of Intesa Sanpaolo Group fluctuated between 2014 and 2023, with the lowest value measured in 2015 at 16.6 percent. In contrast,in 2020, the ratio stood at 19.6 percent, the highest value recorded during this time period. However, as of 2023, the total capital ratio dropped to 19.2 percent.

The capital ratio is the percentage of a bank's capital in relation to its risk-weighted assets. The idea is that all banks must ensure that a reasonable proportion of their risk is covered by permanent capital and must therefore maintain a minimum total capital ratio of 8 percent. The higher the capital ratio a bank has, the greater the level of unexpected losses it can absorb before becoming insolvent - so the less risky it should be.