Tackling poverty

Lending to families, young people, vulnerable and underserved individuals

Intesa Sanpaolo provides tailor-made financial solutions to facilitate access to credit for vulnerable or disadvantaged people.

UN SDG SUPPORTED

icon no poverty

Families and young people

Support for people in vulnerable conditions is achieved through projects and initiatives aimed at promoting financial inclusion and access to credit, including through agreements and synergies with local actors and participation in public and system initiatives.

For young people, Intesa Sanpaolo offers additional forms of economic support to facilitate access to financial services and housing. These include:

Mutuo Giovani: an offer that helps this segment of customers (under 36) in purchasing a home, financing 100% of the purchase of homes at favorable conditions, facilitating the purchase of a home;
Guarantee Fund for the First Home: the Intesa Sanpaolo Group adheres to the Guarantee Fund for the First Home, established by the 2014 Stability Law. This fund has been renewed over the years and with Law no. 207/2024 has been extended until the end of December 2027. Thanks to membership in this Fund, the Bank offers support to families through mortgage solutions at favorable conditions for borrowers who meet the access requirements (e.g. single-parent families with minor children);
XME Conto UP!, a free banking account for minors. During 2024, 60,397 contracts were signed;
Prepaid flash up studio, a prepaid card tailored for university students;
SMART SAVE, the first of the investment services designed from a digital perspective that allows customers to subscribe to funds starting from 5 euro and to manage all transactions directly via the App. During 2024, 3,958 contracts were signed.

2024

€1.7 bn for Mutui Giovani casa to over 12,700 Young People

2024

16,200 mortgages issued in the First Home Guarantee Fund
€1.9bn

2024

60,397 signed contracts
for XME Conto UP!

Support for women victims of violence

Intesa Sanpaolo Group has joined the Agreement for women victims of violence that the ABI and the main trade unions have signed in favor of women included in certified protection paths, who can request the suspension of payment of mortgage and personal loan installments for 18 months. To provide greater support, the Group has also provided for the suspension of the entire installment in addition to the capital portion provided for in the agreement. The agreement has already been extended and is valid until November 25, 2025.

Support for people retired, people affected by natural disasters and migrants

In five geographies of the International Banks Division (IBD) (Serbia, Bosnia, Moldova, Croatia and Egypt) products dedicated to pensioners are distributed; the volumes disbursed in 2024 amounted to approximately 113 million euro in favour of over 34,600 beneficiaries. Intesa Sanpaolo is also strongly committed to supporting communities affected by natural disasters, activating dedicated credit lines providing new subsidised loans intended for the restoration of damaged properties. These measures are complemented by suspensions on existing loans, protection initiatives, and preferential, simplified, and expedited procedures. During 2024, almost 5,900 subsidised loans were disbursed for around 820 million euro.

Intesa Sanpaolo also continues to offer support for migrant customers through the Money Transfer service, offered in partnership with Western Union, to meet remittance needs. During 2024, a total of about 38,300 remittances were made with a total of about 23.3 million euro.

A key priority remains the fight against usury, which continues to be a focal point through partnerships with various institutions to provide credit to individuals or small businesses in difficulty.