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Commitment to environment: data

In 2021 Intesa Sanpaolo underlined the strategic importance of climate change by setting itself the target of achieving net-zero emissions by 2050 in terms of own emissions and in terms of loan and investments portfolios, asset management and insurance, and joining the related initiatives launched by UNEP FI. More specifically, in October 2021 Intesa Sanpaolo joined the Net-Zero Banking Alliance (NZBA); in November 2021 Eurizon Capital SGR, Fideuram Asset Management SGR and Fideuram Asset Management Ireland joined the Net-Zero Asset Managers Initiative (NZAMI); and in December 2021 Intesa Sanpaolo Vita joined the Net-Zero Asset Owner Alliance (NZAOA) and the Net-Zero Insurance Alliance (NZIA). 
Confirming its strong commitment to this objective, as part of its 2022-2025 Business Plan and more than one year ahead of the NZBA deadline, Intesa Sanpaolo presented its net-zero aligned emissions reduction targets for 2030 in the oil&gas, power generation, automotive and coal mining sectors, which represent over 60% of the non-financial corporates portfolio financed emissions in the sectors identified by the NZBA.
The containment of CO2 emissions play an important role in the policies of the Group which, with the Climate Change Action Plan, has identified specific medium-term actions for reducing its environmental footprint and, as a result, its emissions. 

Loans disbursed for the Green and Circular Economy
  Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo Group (excluding UBI Banca Group)
  2019 2020 2020 2021
Loans disbursed for the Green
and Circular Economy (€ m)
Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Retail 46 7 53 877 35 912 877 2,260 38 2,298
Business and Third Sector 156 32 188 253 40 293 253 352 35 386
Corporate and Project finance 1,143
35
1,178
736 44 781 736 3,365 89 3,454
of which Project finance 684
34
718 190 40 230 190 1,131 75 1,207
Total loans for the Green Economy 1,345
74
1,419
1,866
119
1,985 1,866 5,977 162 6,139
Total loans with Circular Economy criteria 760 0 760
565
0 565 565 2,545 15 2,560
Total 2,105 74 2,179
2,431
119 2,550 2,431 8,522 176 8,699

* The UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020). 
Data not comparable for changes that occurred over the years in the aggregation criteria.

 

Greenhouse emissions

All in all, Scope1 + Scope2 Market-based greenhouse gas emissions fell by 4%. this result was achieved through continuous improvement in terms of energy efficiency and, in part, also through the commercial reorganisation that took place during the year (sale of former UBI Group branches and closures due to mergers). Thus, 2021 confirmed the downtrend in electricity consumption, settling at -9% compared to the previous year. A 33% reduction was achieved against a target of 37% reduction in absolute emissions linked to energy consumption (direct and indirect) (target to be achieved in 2022 with respect to 2012 emissions).

    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP + UBI* Intesa Sanpaolo Group
(including UBI Banca Group)

    2019 2020 2020 2021
Greenhouse gas
emissions [CO2eq]

Unit Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Direct emissions (Scope1)
tCO2eq
37,521
7,877
45,398
31,124
5,801
36,925
41,852
43,144 6,486 49,630
Natural gas emissions for
independent heating
tCO2eq
22,567  
3,026
25,592
22.,85
2,442
24,628
27,978
31,934 2,751 34,685
Natural gas emissions for
cogeneration
tCO2eq
5,110
524
5,634
1,535
421
1,956
1,956
0 536 536
Diesel emissions for
independent heating
tCO2eq
925
122
1,046
759
107
866
1,051
1,039 161 1,199
HFC emissions
tCO2eq
1,824
266
2,090
2,961
414
3,375
3,894
3,981 318 4,298
Gasoline emissions for 
company fleet
tCO2eq
10 901 911 8 603 611 611 191 589 780
Diesel emissions for 
company fleet
tCO2eq
7,086
3,039
10,124
3,676
1,814
5,490
6,362
6,000 2,132 8.132
Indirect emissions (Scope2
Market-based)

tCO2eq
5,735
27,974
33,709
5,571
26,228
31,800
32,597
6,359 24,542 30,901
Electricity emissions
 (excluding cogeneration)
tCO2eq
2,310
27,167
29,478
1,751
25,208
26,959
26,965
1,713 23,543 25,256
Natural gas emissions for
building heating (including
district heating)
tCO2eq
3,424
765
4,189
3,820
956
4,776
5,567
4,646 942 5,588
Diesel emissions for
building heating
tCO2eq
0 42 42 0 65 65 65 0 57 57
Total direct + indirect 
emissions (Scope1 + 2
Market-based)

tCO2eq
43,256
35,851
79,107
36,695
32,030
68,725
74,450 49,503 31,029 80,531
Total direct + indirect
emissions per staff member
tCO2eq/
add.
0.6 1.5 0.8 0.6
1.4
0.8
- 0.6 1.3 0.8
Total direct + indirect
emissions per square meter
kgCO2eq/
m2
14.6
55.3
21.9
12.7
51.5
19.6
-
13.3 52.4 18.6
Total direct + indirect 
emissions (Scope1 + 2
Location-based)

tCO2eq
151,279
39,090
190,369
127,549
32,459
160,008
177,848
150,567 32,757 183,325
Other indirect emissions
(Scope3)**

tCO2eq
38,209
19,270
57,479
40,960
21,183
62,143
71,480
18,205 5,087 23,292
Business trips
tCO2eq
8,015
1,514
9,528
1,807
1,235
3,042
3,554
2,826 206 3,032
Purchased paper
tCO2eq
2,911
1,673
4,584
2,179
1,229
3,408
3,987
2,713 1,202 3,915
Waste
tCO2eq
252
26
279
203
21 224 233
255 24 279
Office machinery
tCO2eq
4,293
1,509
5,802
16,829
6,015
22,843
28,369
12,411 3,655 16,066

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020). 
** Total data restated following changes in the reported categories.

 

    Intesa Sanpaolo Group (excluded UBI Group)
ISP+UBI* Intesa Sanpaolo Group
(included UBI Group)

    2019 
2020 
2020 2021
Emissions of other gas 
which are harmful to the

ozone layer (NOx , SO2)
Unit Italy Abroad Group Italy Abroad Group Group
Italy Abroad Group
NOX  Emissions
t
39 38 78 25 31 57 61 35 30 65
 SO2 Emissions
t
1 29 30 1 22 23 23 1 23 24

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

Energy consumption

In addition to the energy efficiency measures aimed at reducing its environmental impact, the Intesa Sanpaolo Group has committed, where possible, to producing electricity through the installation of photovoltaic plants and to purchasing electricity from renewable sources. The total consumption of electricity from renewable sources amounted to approximately 87% of total consumption of electricity.
The target, revised in 2020, of purchasing electricity from renewable sources equal to 89% by the end of 2022 has almost been met (~88% of renewable electricity purchased out of total purchases in 2021).

    Intesa Sanpaolo Group
(excluding UBI Banca Group)

ISP+UBI* Intesa Sanpaolo Group
(including UBI Banca Group)

    2019 2020 2020 2021
Energy consumption
broken down by source
Unit Italy Abroad Group Italy
Abroad Group
Group
Italy Abroad Group
Direct primary
energy consumption
(Scope1)
GJ 580,864
113,205
694,069
467,950
82,222
550,172
621,889
646,995 96,985 743,980
Natural gas consumption
for independent heating
GJ
389,239
54,003
443,242
383,409
43,596
427,005
484,917
550,762 49,063 599,826
Natural gas consumption
for cogeneration
GJ
88,138
9,381
97,519
26,527
7,551
34,078
34,078
0 9,617 9,617
Diesel consumption for
independent heating
GJ
12,444
1,717
14,161
10,217
1,509
11,726
14,219
13,980 2,277 16,257
Gasoline consumption
for the fleet
GJ
105 9,106
9,.211
76
6,017
6,093
6,093
2,554 7,711 10,265
Diesel consumption
for the fleet
GJ 90,938
38,998
129,935
47,722
23,548
71,270
82,583
79,699 28,317 108,016
Indirect primary energy
consumption (Scope2)

GJ
1,311,966
396,154
1,708,120
1,237,140
356,709
1,593,849
1,766,834
1,453,545 346,461 1,800,006
Renewable electricity
consumption
GJ
1,235,569
81,177
1,316,746
1,109,475
67,497
1,176,971
1,323,860
1,317,702 68,602 1,386,304
Non renewable electricity
consumption (except cogeneration)
GJ
17,328
220,543
237,870
12,946
192,123
205,069
205,115
13,175 180,933 194,108
Natural gas consumption for
building heating (including
remote district heating)
GJ
59,069
93,840
152,910
114,719
96,160 
210,879
236,930
122,668 96,101 218,769
Diesel consumption for
building heating
GJ
0 594
594
0 929 929 929 0 826 826
Total direct + indirect
energy (Scope1 + 2)

GJ
1,892,830
509,359
2,402,189
1,705,090
438,931
2,144,021
2,388,723
2,100,540 443,446 2,543,986
Total direct + indirect energy
per staff member
GJ/add.
26.7
20.9
25.2
25.9
18.5
24.0
- 27.2 19.1 25.3
Other indirect primary energy
consumption (Scope3)**
GJ
787,916
734,636
1,522,552
801,981
701,574
1,503,555
1,634,317
337,687 118,006 455,693
Business trips
GJ
121,896
20,782
142,677
26,002
15,937
41,939
48,589
39,854 2,875 42,728
Purchased paper
GJ
91,034
76,353
167,388
64,059
57,189
121,.248
143,934
104,664 58,917 163,581
Waste
GJ
3,377
361
3,737
2,656
260 2,916
3,076
3,305 296 3,601
Office machinery
GJ
66,502
23,383
89,884
267,983
95,784
363,767
449,154
189,864 55,918 245,782

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020). 
** Total data restated following changes in the reported categories.

 

    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo Group
(including UBI Banca Group)

    2019 2020 2020 2021
Total electricity focus
(including cogeneration)

Unit Italy Abroad Group Italy Abroad Group Group Italy Abroad Group

Electricity per staff member
kWh/
add.
5,045
3,496
4,648
4,787
3,082 4,335
- 4,788 3,036 4,383
Electricity per square meter
kWh/
m2
120 132 122 109 118 111 - 99 119 102
Renawable electricity purchased on the total
% 95.7
26.4
82.4
97.6
25.6 84.0 85.5 99.0 27.4 87.7
Self-produced renewable electricity out of the total % 3.5 9.4 26.6 5.2 22.1 24.2 100.0 4.4 54.9 54.9

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

Responsible management of resources
    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo Group
(including UBI Banca Group)

    2019 2020 2020 2021
Transport Unit Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Air travel
thousands of km
37,201
6,126
43,327
5,814
1,131
6,945
7,160
6,117 1,330 7,447
Train travel
thousands of km
51,234
458
51,692
8,483
90 8,572
8,828
7,789 215 8,004
Company fleet
thousands of km
40,765
21,215
61,981
21,407 13,216
34,623
39,689
37,535 15,339 52,874
Personal Cars
thousands of km
11.478
4.879
16.357
4.974
6.364
11.338
14.041
10,931 340 11,271
Remote connections thousands
44,298
32
44,330
78,751
106 78,857
79,694
29,796 244 30,039
Distance
covered for
business trip
per employee
km/employee 231
1,541
275
154 2,429
225
- 202 1,481 249

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

 

    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo Group
(including UBI Banca
Group)

    2019 2020  2020 2021
Paper consumption
Unit Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Purchased paper
t 4,258 1,916 6,175 3,278
1,383
4,660
5,407
4,356 1,328 5,684
Purchased paper/staff member kg/add. 60.1 78.6 64.8 49.9
58.3
52.1 - 56.4 57.2 56.6
Certified recycled paper % -70.7 17.6 54.2 76.0
13.2
57.4
55.6
64.9 10.0 52.1
Eco-sustainable certified paper
(not recycled)
% 26.5
41.5
31.2
21.0 43.4
27.6
30.1 22.5 44.3 27.6

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

 

    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo Group
(including UBI Banca Group)

    2019 2020   2020 2021
Toner consumption
Unit Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Toner: total kg 90,505
23,600
114,105
64,023
32,488
96,511
105,661
73,140 40,923 114,063
Toner: remanufactured cartridges % 71.5
19.1
60.7
79.5
5.9
54.7
50.0
79.2 6.9 53.3
Toner: traditional cartridges % 28.5
80.9
39.3
20.5 94.1
45.3
50.0
20.8 93.1 46.7

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

 

    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo Group
(including UBI Banca Group)

    2019 2020 2020 2021
Water consumption
Unit Italy Abroad Group Italy Abroad Group
Group
Italy Abroad Group
Total water consumed
thousands of
 m3
1,131
570
1,700
1,306
410 1,716
1,874 1,449 351 1,800
Total water consumed/staff member m3/staff member
16.0
23.4
17.9
19.9 17.3 19.2 - 18.8 15.1 17.9

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

 

    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo
Group (including UBI Banca Group)

    2019 2020  2020 2021
Special waste by type
Unit Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Total waste
t 3,288
1,002
4,290
2,373
794
3,167
3,688
4,513 867 5,380
Total waste not intended for 
disposal**
t 3,071 903 3,974 2,202 753 2,956 3,468 4,257 813 5,070
Total waste intended
for disposal**
t 217 99 316 170 41 211 220 256 54 310
Total waste /staff member kg/staff member 46.4 41.1 45.1 36.1 33.5 35.4 - 58.5 37.4 53.6

* UBI Banca Group figures are only included as of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020). 
** All waste operations are carried out at an external site.

 

             
             
   
Intesa Sanpaolo Group (excluding UBI Banca Group)

ISP+UBI*
Intesa Sanpaolo Group (including UBI Banca Group)
Special waste not intended for disposal** Unit 2019 2020 2020 2021
ITALY ABROAD GROUP ITALY ABROAD GROUP GROUP ITALY ABROAD GROUP
Total nonhazardous waste t 3,055 886 3,941 2,160 729 2,889 3,401 4,163 772 4,935
Recycling
t 1,276 748 2,024 747 562 1,309 1,707 2,346 593 2,939
Reuse/recovery
t 1,779 138 1,917 1,413 167 1,580 1,695 1,813 179 1,992
Preparation for reuse t 0 0 0 0 0 0 0 4 0 4
Other recovery operations t 0 0 0 0 0 0 0 0 0 0
Total hazardous waste t 16 17 33 42 24 66 67 94 40 135
Recycling
t 0 0 0 0 0 0 0 0 0 0
Reuse/recovery
t 16 17 33 42 24 66 67 94 40 134
Preparation for reuse
t 0 0 0 0 0 0 0 0 0 0
Other recovery operations
t 0 0 0 0 0 0 0 0 0 1

* UBI Banca Group figures are only included as of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020). 
** All waste operations are carried out at an external site.

             
             
   
Intesa Sanpaolo Group (excluding UBI Banca Group)

ISP+UBI*
Intesa Sanpaolo Group (including UBI Banca Group)
Special waste intended for disposal** Unit 2019 2020 2020 2021
ITALY ABROAD GROUP ITALY ABROAD GROUP GROUP ITALY ABROAD GROUP
Total nonhazardous waste t 185 7 193 155 9 164 170 221 40 261
Landfill
t 163 6 170 131 8 138 141 164 38 202
Incineration with 
energy recovery
t 22 1 23 24 1 26 28 18 1 18
Incineration without
energy recovery
t 0 0 0 0 0 0 0 37 1 37
Other disposal operations t 0 0 0 0 0 0 0 3 1 3
Total hazardous waste t 31 91 123 16 32 47 50 35 14 49
Landfill
t 31 91 123 16 32 47 50 33 13 46
Incineration with 
energy recovery
t 0 0 0 0 0 0 0 0 0 0
Incineration without
energy recovery
t 0 0 0 0 0 0 0 2 1 2
Other disposal operations
t 0 0 0 0 0 0 0 0 0 1

 

* UBI Banca Group figures are only included as of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020). 
** All waste operations are carried out at an external site.

    Intesa Sanpaolo Group
(excluding UBI Banca Group)

 ISP+UBI* Intesa Sanpaolo Group
(excluding UBI Banca Group)

    2019 2020  2020 2021
Expenditure for
environmental management
Unit Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Management of
special waste
K euro
1,302
291 1,592
1,067
538 1,605 2,099
1,698 417 2,115
Training
K euro
0 252 252 0 129 129 129 2 213 215
System maintenance
K euro
45,211
8,095 53,306
46,299
10,620
56,919
61,575
50,485 9,631 60,116
Monitoring and 
certification of EEMS
(Environmental and Energy
Management System)
K euro
1,472
17 1,490 2,384
14 2,398
2,789
3,974 46 4,020
Total K euro
47,985
8,655
56,640
49,750
11,300
61,050
66,592
56,159 10,307 66,466

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

 

Parameters
    Intesa Sanpaolo Group (excluding UBI Banca Group)
ISP+UBI* Intesa Sanpaolo Group (including UBI Banca Group)
    2019 2020 2020 2021
Parameters
Unit Italy Abroad Group

Italy Abroad Group
Group Italy Abroad Group
Operators = Staff + Consultants No. 70,834
24,379
95,213 65,732   23,714
89,446
109,303
77,208 23,198 100,406
Staff
No.
65,612 3,619 88,682
 63,146
22,570
85,716
105,183
74,685 21,996 96,681
Consultants
No.
5,222
1,309
6,531
2,586
1,144
3,730
4,120
2,523 1,202 3,725
Total transfers
No.
609,980
21,210
631,190
264,542
8,562
273,104
273,104
308,454 11,632 320,086
Total transport
thousands
of km
140,679
32,678
173,357
40,676
20,801
61,477
69,719
62,372 17,224 79,596
Floor area
thousand of m2
2,971
648
3,619 2,885
622
3,507
4,532
3,735 592 4,328

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

 

Documents
Climate Change Action Plan 
Consolidated Non-financial Statement 2021:
 
Transition to a sustainable, green and circular economy
Climate Change
Environment indicators - pdf
Environment indicators - excel
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