Protecting and restoring natural capital and responsible management of resources

According to the Code of Ethics, the Rules for the environmental and energy policy and the Green Banking Procurement rules, the Group’s responsibilities include the careful assessment of the consequences of its activities on ecosystems and the reduction of its environmental footprint. For this reason, protecting biodiversity and the responsible management of resources are priority issues.

UN SDGs SUPPORTED

In 2024, the Group developed the document Rules on Biodiversity and Nature, adopted from January 2025. These Rules describe the approach of the Intesa Sanpaolo Group on biodiversity and nature issues with reference to financing activities and define the exclusion, enhanced assessment and risk monitoring criteria applicable to the financing of new projects and counterparties. Furthermore, the Group’s offices are not located in protected areas or areas with high biodiversity.

In 2025, Intesa Sanpaolo applied Green Banking Procurement criteria for responsible office equipment purchases, with high environmental compliance rates (e.g., laptops 78%, cash-in cash-out machines 99%).

The Group continues to monitor natural resource usage, including water consumption, ensuring efficient operations and minimal environmental impact; water usage is primarily linked to sanitation and air conditioning, and, in 2025, average per capita water usage was 19.3 cubic meters per employee, showing a decrease compared to 2024.

Particular attention is paid to reducing the consumption and purchase of paper, with dematerialisation activities.

Waste management, including collection, transport, recovery and disposal at sites external to the organization, is carried out by third parties in compliance with the provisions of the reference standards and current legislation.

In line with activities carried out in previous years, in 2025 Intesa Sanpaolo renewed the certification of its Environmental and Energy Management System, covering all properties within its Italian perimeter, in accordance with the ISO 14001 and ISO 50001 standards. The certification and surveillance process is conducted by an independent third-party certification body