Financial inclusion

Financial inclusion and supporting production

Intesa Sanpaolo attributes central importance to the economic and social growth of the communities in which it operates, a fundamental element that is deep-rooted in the Group’s history and way of operating.

The issues of financial inclusion and supporting production have become even more relevant for the Group in recent years. The 2022-2025 Business Plan confirms its goal of being a Bank within the real economy by financially supporting deserving businesses even in times of difficulty, to find innovative solutions for the recovery. The Group's commitment also translates into initiatives to support the Third Sector and financial inclusion of vulnerable categories.


Social Lending

The Bank contributes to creating business and employment opportunities and to helping people and households in difficulty through various forms: anti-usury loans; products and services for associations and bodies in the Third Sector; products dedicated to the most vulnerable social groups to promote their financial inclusion; loans to support populations affected by calamitous events; other social loans.

2022-2025 Target and 2022 result

€25 bn of new loans to non-profit organisations, vulnerable, and young people

during the Business Plan

~€9 bn disbursed (1)

11% of total loans

Composition of disbursed loans 2022

Products for vulnerable social groups €7,717 m
Anti-usury loans and other social loans €389 m
Support for people affected by calamitous events (1) €531 m
Loans to the Third Sector €339 m

Real-economy Bank

2022-2025 Targets

>€400 bn lending in the medium/long term to companies and families in support of NRRP (2)
€328 bn lending of medium-to-long-term to the real economy (3)
€285 bn lending of medium-to-long-term to the real economy in Italy (3)

2022 Results

~€81.4 bn lending medium/long term disbursed to the real economy
~€58.4 bn lending medium/long term disbursed to the real economy in Italy

In consideration of the growing importance of ESG issues in recent years, both on a political and regulatory level and for greater internal and external transparency with respect to products and transactions deemed sustainable, in 2022 the Group approved the Rules for the classification of sustainable credit products and credit transactions.


(1) Excluding COVID-19
(2) Period 2021-2026
(3) Period 2022-2025

Insights, events and projects for sustainability