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    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 CaixaBank/ADR (CAIXY) leadership

    Fernando Gil de Santivañes d´Ornellas's questions to CaixaBank/ADR (CAIXY) leadership • Q1 2025

    Question

    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.

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

    Fernando Gil de Santivañes d´Ornellas's questions to Banco Santander (SAN) leadership • Q3 2023

    Question

    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.

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