Tackling poverty
Strong focus on financial inclusion through social lending
Intesa Sanpaolo’s social lending initiatives aim to support the most vulnerable segments of society through innovative and inclusive financial tools. By collaborating with Third Sector entities, associations, and foundations, the company promotes microcredit and other social financing instruments, fostering both financial and social inclusion.
UN SDG SUPPORTED
€25bn social lending
€26.7bn disbursed in social lending
€9bn total deposits
€6.3bn total direct collection, financing for approximately €2.5bn
€345bn loans disbursed
Loans to the Third Sector
The Impact structure of the Bank operates towards the Third Sector with an offer dedicated to its organizations.
In addition, Intesa Sanpaolo supports Third Sector organizations through the For Funding platform, a leading crowdfunding tool in Italy that facilitates campaigns for non-profit organizations. Intesa Sanpaolo covers all operating costs, ensuring that donations reach recipients without service fees.
The For Funding activity is accompanied by the Formula program, which offers direct support for specific needs in favor of Italian local communities and distinctive projects at a national level.
In 2025, For Funding raised a total of about 8.6 million euro in donations1. Of these funds, about 6 million euro were allocated to 44 projects supported by the ‘Formula’ programme. All campaigns are controlled and monitored to verify their impact, strengthening the company's commitment to sustainable development and responding to social needs.
Fund for Impact
Fund for Impact has been created in 2019 and confirmed in the 2022-2025 Business Plan for the provision of social impact loans aimed at categories that would otherwise have difficulty accessing credit despite their potential.
Main intervention areas
Fund for Impact Credit Instruments
University students
Working mothers
Additional solutions for specific target groups
RIM Impact Detector
Measuring the impact of financing is increasingly important and for this reason Intesa Sanpaolo has developed the RIM Impact Detector. There are specific versions of this process.
The first version of the RIM is deployed to assess the impacts of two lending products provided under the Fund for Impact: ‘per Merito’ and ‘mamma@work’.
In 2025, the ‘per Merito’ questionnaire results show that, without the support of this product, approximately 1,960 students (27% of borrowers) would not have been able to continue their studies, and more than 430 students (6% of borrowers) would have had to revise their study plans.
RIM for Third Sector loans
In 2025, the Group published the results for the year 2024, derived from the questionnaire. The 2024 questionnaire collected 664 responses, linked to approximately 155 million euro in loans. The results show that funded organisations reported a potential outreach of up to 3.1 million beneficiaries, as well as the creation or safeguarding of more than 10,000 jobs, considering both direct and indirect effects on local communities (e.g., employment integration for individuals who completed professional training).
1) Including €553,000 of Intesa Sanpaolo donations for Formula projects supported in the last quarter of 2024 and disbursed in January 2025.
2023 Impact report
A year of sustainability
Last updated 20 July 2026
