Sign in

    Fernando Gil Santivanes

    Research Analyst at Intesa Sanpaolo

    Fernando Gil Santivanes is a Research Analyst at Intesa Sanpaolo, specializing in European equity research with a particular focus on financial services companies such as CaixaBank and select consumer firms like Cellularline. Since joining Intesa Sanpaolo in 2024, Gil Santivanes has provided investment recommendations yielding notable target price upsides—recent reports show his calls for Cellularline projected gains of over 90%, while other coverage includes clear rating methodologies tailored to total return analysis. Previously, he was an equity analyst at Barclays, further strengthening his expertise in the sector. Gil Santivanes holds recognized analyst certifications and is listed among the official market analysts for multiple large-cap European equities.

    Fernando Gil Santivanes's questions to BANCO BILBAO VIZCAYA ARGENTARIA (BBVA) leadership

    Fernando Gil Santivanes's questions to BANCO BILBAO VIZCAYA ARGENTARIA (BBVA) leadership • Q2 2025

    Question

    Fernando Gil Santivanes of Intesa Sanpaolo asked about the bear case interest rate scenario for Spain in 2028 and its potential impact on ROA. He also inquired about market share targets in Spain by product and the new production mix for mortgages.

    Answer

    Global Head of Finance Luisa Gómez Bravo reiterated that the bank's NII sensitivity in Spain is approximately 4% for a 100 bps parallel rate shift, which can be used to model alternative scenarios. CEO Onur Genç stated that the growth focus is on gaining share in enterprises and consumer lending, while they expect to continue ceding share in the highly price-competitive mortgage market.

    Ask Fintool Equity Research AI