Obligation Intesa Sanpaolo SpA 2.471% ( XS0223421776 ) en EUR

Intesa Sanpaolo SpA

100 % ⇌

Italie

XS0223421776 ( en EUR )

2.471% par an ( paiement annuel )

30/06/2025 - Obligation échue

Prospectus brochure de l'obligation Intesa Sanpaolo S.p.A XS0223421776 en EUR 2.471%, échue

1 000 EUR

10 000 000 EUR

Intesa Sanpaolo S.p.A. est une banque italienne multinationale, l'une des plus grandes d'Europe, offrant une large gamme de services bancaires et financiers aux particuliers, aux entreprises et aux institutions.

L'obligation italienne XS0223421776 émise par Intesa Sanpaolo S.p.A., d'une valeur nominale totale de 10 000 000 EUR, avec un coupon de 2,471% et une échéance au 30/06/2025, a été intégralement remboursée à son prix nominal de 100% à la maturité.

FINAL TERMS

Final Terms dated 29 November 2005

BANCA INTESA S.p.A.
Issue of Euro 2,500,000 CMS Linked Notes due June 2025 (the "Notes")

under the ¼
Global Medium Term Note Programme

(to be consolidated and form a single series with the existing Euro 10,000,000 CMS linked Notes due
June 2025 issued on 30 June 2005)

PART A - CONTRACTUAL TERMS

Terms used herein shall be deemed to be defined as such for the purposes of the Conditions (the
"Conditions") set forth in the Prospectus dated 28 July 2004. This document constitutes the Final Terms of
the Notes described herein for the purposes of Article 5.4 of the Prospectus Directive (Directive 2003/71/EC)
(the "Prospectus Directive") and must be read in conjunction with the Base Prospectus dated 13th October,
2005, which constitutes a base prospectus for the purposes of the Prospectus Directive, save in respect of the
Conditions which are extracted from the Prospectus dated 28 July 2004 and are attached hereto. Full
information on the Issuer and the offer of the Notes is only available on the basis of the combination of these
Final Terms and the Prospectuses dated 28 July 2004 and 13th October, 2005 .The Prospectuses are available
for viewing at the registered office of the Issuer at Piazza P. Ferrari 10, 20121 Milan and from Dexia Banque
Internationale à Luxembourg, société anonyme, at 69 Route d'Esch, L-2953 Luxembourg. The Prospectus
and, in the case of Notes admitted to trading on the regulated market of the Luxembourg Stock Exchange,
the applicable Final Terms will also be published on the website of the Luxembourg Stock Exchange
(www.bourse.lu).

1.
(i)
Issuer:
Banca Intesa S.p.A.
2.
(i)
Series Number:
197

(ii)
Tranche Number:
2. The Notes shall be consolidated and
(If fungible with an existing Series,
form a single series with the existing Euro
details of that Series, including the
10,000,000.00 CMS linked Notes due June
date on which the Notes become
2025 issued on 30 June 2005 (the "Original
fungible).
Notes").
It is expected, that the Notes become
fungible on or about 09 January 2006.

3.
Specified Currency or Currencies:
Euro ("EUR")
4.
Aggregate Nominal Amount:

(i)
Series:
EUR 12,500,000

(ii)
Tranche:
EUR 2,500,000
5.
Issue Price:
98.56 per cent. of the Aggregate Nominal
Amount plus EUR 33,800 accrued interest
from 30 June 2005 to 1 December 2005.
6.
(i)
Specified Denominations:
EUR 1,000

[(ii)
Specified Minimum Amounts:
Not Applicable

(iii)
Specified Increments:
Not Applicable
7.
(i)
Issue Date:
01 December 2005

(ii)
Interest Commencement Date
30 June 2005
(if different from the Issue
Date):
8.
Maturity Date:
30 June 2025
9.
Interest Basis:
Floating Rate
(further particulars specified below)
10.
Redemption/Payment Basis:
Redemption at par
11.
Change of Interest or
Not Applicable
Redemption/Payment Basis:
12.
Put/Call Options:
Not Applicable
13.
(i)
Status of the Notes:
Senior

(ii)
Status of the Guarantee:
Not Applicable

(iii)
Date approval for issuance of
Not Applicable
Notes obtained:
14.
Method of distribution:
Non-syndicated

PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE

15.
Fixed Rate Note Provisions
Not Applicable
16.
Floating Rate Note Provisions
Applicable

(i)
Specified Period(s)/Specified
Interest on the Notes shall be payable
Interest Payment Dates:
annually, in arrears, on 30 June in each
year starting from 30 June 2006 until the
Maturity Date, subject to adjustment in
accordance with the Business Day
Convention specified below in respect of
payment dates only.

(ii)
Business Day Convention:
Following Business Day Convention

(iii)
Additional Business Centre(s):
Not Applicable

(iv)
Manner in which the Rate(s)
Screen Rate Determination
of Interest is/are to be
The Rate of Interest for each Interest
determined:
Period shall be calculated in accordance
with the following formula:
88 per cent. * EUR 20Yr CMS

(v)
Party responsible for
CAYLON is acting as Determination
calculating the Rate(s) of
Agent
Interest and Interest
Amount(s) (if not the
Principal Paying Agent):

(vi)
Screen Rate Determination:
Applicable

- Reference Rate:
EUR 20 Y CMS

"EUR 20 Yr CMS" means the EUR swap
rate for a period of twenty years, as
determined by reference to Reuters Screen
page ISDAFIX2 (or such other page or
service determined by the Determination
Agent as may replace Reuters Screen page
ISDAFIX2 for the purpose of displaying
such rate) under the relevant caption at
11.00 a.m. Frankfurt time on the Interest
Determination Date (as defined below) as
determined by the Determination Agent.

Should the Reuters Screen page ISDAFIX2
(or other such page or service as shall
replace Reuters Screen page ISDAFIX2)
not be available, or the EUR 20Yr CMS
not be shown on such page or services at
approximately 11.00 a.m. Frankfurt time,
on the Interest Determination Date, the
Determination Agent shall apply, in lieu of
EUR 20 Yr CMS, "EUR-Annual Swap
Rate-Reference Banks", as defined in the
ISDA Definitions, with a designated
maturity of 20 years, on the Interest
Determination Date as defined below and
with the modification that the expression
"Determination Agent" shall mean the
Determination Agent as defined above in
item (v); it is further provided that, if less
than three Reference Banks (as defined in
the ISDA Definitions) provide quotations,
then the Determination Agent shall
determine in good faith the relevant 20 Yr
CMS on such commercial basis as
considered appropriate, in accordance with
standard market practices

- Relevant Screen Page:
Reuters Screen page ISDAFIX2

- Interest Determination
Two Business Days prior to the start of
Date(s):
each Interest Period

- Relevant Time:
11 a.m., Frankfurt time

- Relevant Financial Centre:
Euro-zone

(vii)
ISDA Determination:

- Floating Rate Option:
Not Applicable

- Designated Maturity:
Not Applicable

- Reset Date:
Not Applicable

(viii)
Margin(s):
Not Applicable

(ix)
Minimum Rate of Interest:
Not Applicable

(x)
Maximum Rate of Interest:
Not Applicable

(xi)
Day Count Fraction:
30//360, unadjusted

(xii)
Fall back provisions, rounding
Not Applicable
provisions, denominator and
any other terms relating to the
method of calculating interest
on Floating Rate Notes, if
different from those set out in
the Conditions:
17.
Zero Coupon Note Provisions
Not Applicable
18.
Index-Linked Interest Note
Not Applicable
Provisions
19.
Dual Currency Note Provisions
Not Applicable
PROVISIONS RELATING TO REDEMPTION

20.
Call Option
Not Applicable
21.
Put Option
Not Applicable
22.
Final Redemption Amount
EUR 1,000 per Note of EUR 1,000
Specified Denomination
23.
Early Redemption Amount
Not Applicable
Early Redemption Amount(s) payable
on redemption for taxation reasons or
on event of default or other early
redemption and/or the method of
calculating the same (if required or if
different from that set out in the
Conditions):

GENERAL PROVISIONS APPLICABLE TO THE NOTES
24.
Form of Notes:
Bearer Notes:

Temporary Global Note exchangeable for a
Permanent Global Note which will be
exchangeable for Definitive Notes in the
limited circumstances specified in the
Permanent Global Note
25.
Additional Financial Centre(s) or other
Not Applicable
special provisions relating to Payment
Dates:
26.
Talons for future Coupons to be
No
attached to Definitive Notes (and dates
on which such Talons mature):
27.
Details relating to Partly Paid Notes:
Not Applicable
amount of each payment comprising
the Issue Price and date on which each
payment is to be made and
consequences (if any) of failure to
pay, including any right of the Issuers
to forfeit the Notes and interest due on
late payment:
28.
Details relating to Instalment Notes:
Not Applicable
amount of each instalment, date on
which each payment is to be made:
29.
Redenomination applicable
Redenomination not applicable
30.
Renominalisation and reconventioning
Not Applicable
provisions:
31.
Consolidation provisions:
Applicable
DISTRIBUTION
32.
(i)
If syndicated, names and addresses Not Applicable
of Managers and underwriting
commitments:

(ii)
Date of Subscription
Not Applicable
Agreement:

(iii)
Stabilising Manager(s) (if any):
Not Applicable
33.
If non-syndicated, name and address
Landesbank Baden-Württemberg
of Dealer:
Am Hauptbahnbhof 2
D 70173 Stuttgart

34.
Total commission and concession:
Not Applicable
35.
TEFRA:
The D Rules are applicable
36.
Additional selling restrictions:
Not Applicable
LISTING AND ADMISSION TO TRADING APPLICATION
These Final Terms comprise the final terms required to list and have admitted to trading the
issue of Notes described herein pursuant to the ¼ *OREDO 0HGLXP 7HUP 1RWH
Programme of Banca Intesa S.p.A., and Intesa Bank Ireland p.l.c. guaranteed, in respect of the
Notes issued by Intesa Bank Ireland p.l.c., by Banca Intesa S.p.A

RESPONSIBILITY
The Issuer accepts responsibility for the information contained in these Final Terms. To the best
of the knowledge of the Issuer, having taken all reasonable care to ensure that such is the case,
the information contained in these Final terms is in accordance with the facts and does not omit
anything likely to affect the import of such information.

Signed on behalf of the Issuer:
By:
............................................
Duly authorised

PART B - OTHER INFORMATION
1.
Listing

(i)
Listing:
Luxembourg

(ii)
Admission to trading:
Application has been made for the Notes to
be admitted to trading on the regulated
market of the Luxembourg Stock Exchange
with effect from 01 December 2005.

2.
Ratings
The Notes to be issued are expected to be
rated:
S & P's: A+
Moody's: A1
Fitch : A+
3.
Notification

Not Applicable
4.
Interests of natural and legal persons involved in the issue

Save for any fees payable to the Dealers, so far as the Issuer is aware, no person
involved in the offer of the Notes has an interest material to the offer.
5.
Reasons for the offer, estimated net proceeds and total expenses

(i)
Reasons for the offer:
General funding purposes.

(ii)
Estimated net proceeds:
EUR 2,464,000 plus accrued interest

(iii)
Estimated total expenses:
Approximately EUR650.00 due to the
listing agent
6.
Historic Interest Rates
Details of historic EUR 20 Yr CMS rates can be obtained from Reuters

6.
Operational information

Temporary ISIN Code:
XS0236996210
Permanent ISIN Code
XS0223421776

Temporary Common Code:
023699621
Permanent Common Code:
022342177
Temporary WKN
A0G kBW
Permanent WKN
A0E 60G

Any clearing system(s) other than
Not Applicable
Euroclear Bank S.A./N.V. and
Clearstream Banking, société
anonyme and the relevant
identification numbers):

Delivery:
Delivery against payment

Names and addresses of
Not Applicable
additional Paying Agent(s) (if
any):
7..
Further information relating to the Issuer

Further information relating to the Issuer is set out below, pursuant to Article 2414 of
the Italian Civil Code.

(i)
Objects:
The objects of the Issuer, as set out in
Article 4 of its by-laws, are the collection
of savings and the carrying-out of all forms
of lending activities, through its
subsidiaries or otherwise. The Issuer may,
in compliance with regulations in force and
subject to obtaining any prior
authorisations required, perform all
banking and financial services and
transactions, including the creation and
management of open- and closed-end
supplementary pension schemes, as well as
any other transaction necessary for, or
incidental to, the achievement of its
corporate purpose, through its subsidiaries
or otherwise.
As parent company of "Gruppo Banca
Intesa" (or, in abbreviated form, "Gruppo
Intesa"), pursuant to Article 61 of
Legislative Decree No. 385 of 1 September
1993, the Issuer, in its direction and
coordination capacity, issues instructions to
Group companies, including those for the
purposes of implementing the Bank of
Italy's regulations and of ensuring the

stability of the Group.

(ii)
Registered office:
Piazza P. Ferrari 10, 20121 Milan, Italy

(iii)
Company registration:
Registered at the Companies' Registry of
the Chamber of Commerce of Milan, Italy
under registration no. 00799960158.

(iv)
Amount of paid-up share
Paid-up share capital: ¼
capital and reserves:
Reserves: ¼