Sign in

Fernando Gil de Santivañes d´Ornellas

Research Analyst at Intesa Sanpaolo

Fernando Gil de Santivañes d'Ornellas is a seasoned research analyst in the banking and financial sector, with past roles at institutions such as Barclays and Bestinver, where he has covered major European banks including BBVA. Known for detailed sector analysis and participating in earnings calls with leading financial institutions, he has provided insights on cost management, digital transformation, and portfolio performance, but public information on specific investment performance metrics and rankings remains limited. His career timeline includes analyst roles at top firms, reflecting significant industry experience, though there is no public evidence of Intesa Sanpaolo as his current employer or confirmation of securities licenses. Notable achievements include his respected presence among peers in high-level investment research and coverage of marquee banking names in Europe.

Fernando Gil de Santivañes d´Ornellas's questions to CAIXY leadership

Question · Q1 2025

Fernando Gil de Santivañes d´Ornellas from Intesa Sanpaolo asked for an update on the MUFACE situation and its potential impact on SegurCaixa Adeslas, as well as any anticipated negative effects from a recent blackout.

Answer

Gonzalo Gortázar Rotaeche (executive) stated that the recent blackout would have no material impact on CaixaBank's results. Regarding MUFACE, he described the new agreement as very positive news for its affiliate, SegurCaixa Adeslas, as it removes a loss-making contract. He estimated this could translate to a positive impact of roughly €90 million in pre-tax profit annually for Adeslas, of which half would accrue to CaixaBank.

Ask follow-up questions

Fintool

Fintool can predict CAIXY logo CAIXY's earnings beat/miss a week before the call

Fernando Gil de Santivañes d´Ornellas's questions to Banco Santander (SAN) leadership

Question · Q3 2023

Questioned the outlook for the Digital Consumer Bank (DCB) given its RoTE is below target, the strategy for the ALCO portfolio, and the outlook for Poland's mortgage moratorium.

Answer

The DCB's profitability is expected to improve as dealership inventories are sold and financing shifts from stock financing to higher-margin consumer auto loans. The ALCO portfolio is being increased to take advantage of higher yields. The proposal for Poland's mortgage moratorium extension is from the outgoing government and is very likely to change under the new government.

Ask follow-up questions

Fintool

Fintool can predict Banco Santander logo SAN's earnings beat/miss a week before the call

Let Fintool AI Agent track Fernando Gil de Santivañes d´Ornellas for you

Get briefed when they ask questions on calls

Best AI Agent for Equity Research

Performance on expert-authored financial analysis tasks

Fintool-v490%
Claude Sonnet 4.555.3%
o348.3%
GPT 546.9%
Grok 440.3%
Qwen 3 Max32.7%

Try Fintool for free