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Economy support

The competitive capacity of businesses is a key driver for a sustainable economic and social development in our country and, for a bank with strong local roots such as Intesa Sanpaolo, the capacity and propensity to understand better businesses and their operating and strategic needs become even more important, in order to be a reliable partner in the growth and development stages, but above all in times of difficulty.

Support for Manifacturing

In 2018, Intesa Sanpaolo granted around 60 billion euro of new medium/long-term credit to real economy, of this 42 billion euro granted to families and Small-Medium Businesses. Of this amount, around 50 billion was granted in Italy bringing around 20,000 businesses back to performing status (over 93,000 since 2014).

Support to Small-Medium Businesses

To facilitate access to credit, the Bank developed an innovative rating model - validated by the ECB - in collaboration also with Confindustria Piccola Industria. In addition to the usual economic and financial assessments, the new model aims to make it easier to access credit, at more favourable financial terms, by basing the assessment also on the intangible qualities of the business, such as trademarks, patents, quality and environmental certifications, research and development activities, innovation and digitisation, development and competitive positioning projects, management of the business risk and being part of a supply chain. For customers with higher risk levels and greater difficulty in gaining access to credit, the new model has led to an increase in their ratings in 38% of cases.

Industrial Dialogue

The relational Industrial Dialogue approach supports the new way of making Bank: It enables business managers to assist entrepreneurs in their growth and development pathways, thanks to a better understanding of the peculiarities of their Companies and the sector in which they operate and the possibility of providing answers and solutions adapted to their objectives. It thus Increases the ' strength of relationship ' with Businesses, perfecting a bank proposition towards the company more consistent with its needs, financial and not, and favouring the construction of a sustainable business for both parties

Industria 4.0 National Plan

Within the framework of the Industria 4.0 National Plan, new sectoral agreements were entered into to support and facilitate innovation processes, investments in new technologies and the digitisation of businesses with:

  • ANFIA, National Association of Automotive Industry, for actions to support the production chain, development of human capital, offer of non-financial services to enterprises
  • Confindustria Small Industry, for financial support for training, generational change, the sectors and economic sustainability, social and environmental
  • SACE, for the support of the international activities of Italian companies through interventions on international guarantees and documentary credits, medium-long-term financing of Mediocredito Italiano to Small and Medium-sized Enterprises (International +) and services of Foreign debt recovery
  • Ministry of Cultural Heritage and Activities-Directorate-General for Tourism, with the aim of developing a "Pact for Tourism 4.0" in order to enhance the sector in credit assessments, with the allocation of a three-year plafond of 5 billion Euro for the companies and the sectors of the sector, destined to renovate and modernize the accommodation facilities, to improve the reachability of the destinations, to increase the quality of the reception. Altogether, in 2018, they were disbursed by the Bank of the Territories Division to the companies of the tourism sector financing for one billion euros.


The support to Small and medium-sized Enterprises in the Industry 4.0 has resulted, in 2018, in over 1.3 billion of loans disbursed for more than 4,800 requests processed.

Supply chain networks

Considering that many small and medium enterprises are part of complex supply chain networks, often with strong relationships at local level, another project called “Programma Sviluppo Filiere” was launched to support the growth of manufacturers of excellence by creating an innovative model of collaboration between the Bank and the Lead Company.
Designed to facilitate access to credit, at the end of 2018 the initiative had attracted over 630 lead companies, equating to a potential number of 15,000 suppliers, with an overall turnover of over 70 billion euro and a workforce of 92,000 employees. 

This attention is also reflected in the analysis that the Studies and Research department carries out regarding local economies and production chains with the aim of identifying customer needs and strengthening its product model, by facilitating access to credit, the various forms of production aggregation and the promotion of companies with a recognised strategic role in the chains.

Corporate Welfare services

Through access to a digital, multimedia and multi-channel platform (from PC, tablet or smartphone), businesses can use the “Welfare Hub” service to provide goods and services to employees that exercise their welfare credit (a performance bonus that employees can convert into Flexible Benefits or bonuses granted in that form by the company). Welfare Hub allows company employees to access to the opportunities offered by tax laws and make a conscious choice about opting for the Flexible Benefits. The employees of customer companies can also access six different financial and insurance product areas, from health to welfare, from loans to insurance policies, from loans to young people to covering risks. In the 2018 Welfare Hub has been enriched with 2 new sections with facilities on an external platform that offers discounts on goods and services of different product categories. At the end of 2018, about 800 companies adhere to the platform.

Support to female entrepreneurship

Another important commitment on part of Intesa Sanpaolo is the “Business Gemma” programme aimed at supporting female entrepreneurship: from 2014 to 2017, with extension to 2018, a multi-year total of 600 million euro was made available to fund female enterprises and self-employed women. In 2018, 408 loans were disbursed for a total of 15.4 million euro. 

Support to innovation and research

In order to create business development and acceleration opportunities for the most promising technological start-ups Intesa Sanpaolo developed several initiatives, such as the Nova+ financing programme, the Intesa Sanpaolo Start Up Initiative and the Tech Marketplace digital platform, that enables startups, SMEs and big companies to match their technology needs and offers, with the aim of creating partnerships, commercial agreements and acquisitions.

Support for Public Administration

In order to promote the country's development and economic growth, Intesa Sanpaolo has six priority areas for intervention:

  • credit for infrastructure projects
  • support for the health system, universities and scientific research
  • improvement of public services
  •  backing financial stability of the Public Administration
  •  financing urban development projects and area enhancement
  •  innovation of complex administration procedures to simplify banking operations for public bodies and companies.
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