Financial inclusion and supporting production
Inclusion and care
to support
the sustainable development of the country
Intesa Sanpaolo wants to play a decisive role by aiming at an increasingly important and priority sustainability goal: to increase social cohesion. Financial inclusion, access to credit and support to production are the milestones of our commitment.
The 2022-20025 Business Plan has among its ESG pillar the support for financial inclusion through social credit. Among the various projects, credit to the third sector, direct support to people who cannot access credit through traditional financial channels with Fund for Impact, credit for urban regeneration and credit to vulnerable people
Intesa Sanpaolo is strongly committed to social inclusion, a crucial factor with a view to a fair and inclusive transition.
Main targets and results
€81.4bn credit granted
medium/long-term to the real economy, objective €328bn 2022-2025
€9bn social lending
11% total loans. Objective €25bn new loans to support nonprofit businesses and vulnerable and young people
Commitments to the tune of over €616m
to finance a dedicated program of urban regeneration
Data referred to 2022-2025 Business Plan and, where not otherwise stated, are data as at 31.12.2022
Latest news
Intesa Sanpaolo is extending and reinforcing its initiatives in support of families and businesses in Emilia-Romagna and Marche, affected by the weather emergency.
Read moreIn the light of rising interest rates, Intesa Sanpaolo is taking action in the mortgage sector to support those under 36 who wish to buy a home.
Read moreFinancial inclusion: discover all the objectives and the results
| Objective 2022-2025 Business Plan |
Description | Results as at 30.12.2022 (where not specified) |
| Medium/long-term credit granted to the real economy | Disbursment of €328bn of which €285bn in Italy (cumulative value 2022-2025) | €81.4bn of which €58.4bn in Italy |
| Financial inclusion and supporting production | Social lending: New loans to support nonprofit businesses and vulnerable and young people for €25bn | €9bn disbursed (excluding loans linked to the COVID-19 emergency and lending for urban regeneration purposes), equal to 11% of total loans |
Loans to the Third Sector |
€339m loans were granted in support of non-profit organisations | |
| Fund for Impact for direct support to people who are unable to access credit through the traditional channels | Per Merito, the unsecured credit line for university students: over €51m granted Mamma@work, a loan to reconcile motherhood with work in the first years of children’s life: ~€1.2m granted in 2022 “Per Esempio” – intended for volunteers taking part in Civil Service; “per Crescere”, for parents with school-age children, and “per avere Cura”, intended for families with members that are not selfsufficient: these three initiatives were launched in 2021 XME StudioStation: the loan to households to assist with distance learning: ~€1.8m granted since the launch) |
|
| New lending for urban regeneration to finance a dedicated program | Commitments made to the tune of over €616m of new loans to support investments in student housing, sustainable services and infrastructure, in addition to the most important urban regeneration initiatives currently underway in Italy. Promotion of academic initiatives to define ESG assessment methodologies for the impact of urban regeneration | |
| Social bond | The first Social Bond was successfully placed in October 2022 for a nominal value of 750 million euro. The portfolio mainly consists of loans to SMEs operating in disadvantaged areas (including COVID loans) and non-profit entities operating in sectors of particular social concern (health, education, welfare and solidarity) | |
Enhancing the quality of service levels |
Enhancing the quality of service levels | NPS Retail: 22; NPS Exclusive: 16; NPS Corporate: 17; NPS Third Sector: 23; NPS Agribusiness: 17. In 2022, the survey consisted of about 653,000 responses from Retail customers, 138,000 responses from Exclusive customers, 65,000 responses from Corporate customers, 11,000 responses from Third Sector customers and 17,000 responses from Agribusiness customers |
Example of projects
Intesa Sanpaolo strengthens its commitment to citizens who would find it difficult to access credit according to conventional criteria with three new initiatives implemented through the Fund for Impact.
A new edition of Intesa Sanpaolo's ELITE Lounge, a programme of training and support for small and medium-sized enterprises in their growth and access to private and public capital markets, is now under way.
Read moreActions and insights on the challenges of education and financial inclusion and support for the economy
Supporting vulnerable people
Projects and initiatives to semplify the access to credit for vulnerable individuals.
Supporting production
The key role of Intesa Sanpaolo in supporting the economic development of the area.
Supporting the Third Sector
The offer dedicated to Third Sector organizations
Financial education
A relevant Intesa Sanpaolo's commitment to promote financial awareness.
Documents and indicators
Documents relating to reporting about our customer's support are available below.
| Documents | |
| Consolidated Non-financial Statement 2022: | |
| Quality of service and customer satisfaction | |
| Innovation, digital transformation and cybersecurity | |
| Financial inclusion and supporting production | |
| Sustainable investments and insurance | |
| Customer indicators - pdf | |
| Customer indicators - excel | |
| Consolidated Non-financial Statement 2021: |
|
| Quality of service and customer satisfaction | |
| Innovation, digital transformation and cybersecurity | |
| Financial inclusion and supporting production | |
| Sustainable investments and insurance | |
| Customer indicators - pdf |
|
| Customer indicators - excel |
|
| Consolidated Non-financial Statement as at 30 June 2021: |
|
| Customers indicators | |
| Consolidated Non-financial Statement 2020: | |
| Customers | |
Customer indicators - pdf |
|
| Customer indicators - excel |
|
Last updated 31 July 2023 at 12:10:20
