Supporting vulnerable people
Projects and initiatives to semplify the access to credit for vulnerable individuals.
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
€42,2mld credit granted
medium/long-term to the real economy, objective €328bn 2022-2025
€5bn social lending
objective €25bn new loans to support nonprofit businesses and vulnerable and young people
tune of over €500m euro of new loans
to finance a dedicated program of urban regeneration
Data referred to 2022-2025 Business Plan and, where not otherwise stated, are data as at 30.06.2022
Latest news
Intesa Sanpaolo allocates €200 mln for inclement weather emergency in Marche
Intesa Sanpaolo has promptly made available €200 million to support households and businesses damaged as a result of the extraordinary inclement weather in the province of Ancona.
Read more
Intesa Sanpaolo's "per Merito" financing for the Experis Academy renewed
Intesa Sanpaolo is renewing its support for students of masters offered by Experis Academy – ManpowerGroup's training centre – through “per Merito”.
Read moreFinancial inclusion: discover all the objectives and the results
2022-2025 Business Plan: results as at 30 June 2022
| Objective 2022-2025 Business Plan |
Description | Results as at 30 June 2022 (where not specified) |
| Medium/long-term credit granted to the real economy | Disbursment of €328 bn of which €285 bn in Italy (cumulative value 2022-2025) | €42.2bn of which €32.4bn in Italy |
| Financial inclusion and supporting production | Social lending: New loans to support nonprofit businesses and vulnerable and young people for €25bn | €5bn disbursed (excluding loans linked to the COVID-19 emergency and lending for urban regeneration purposes) |
Loans to the Third Sector |
€206m* 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 | €21m was made available to support the needs of individuals and households to ensure wider and more sustainable access to credit, with dedicated programmes, such as for example per Merito (unsecured credit line to be repaid over 30 years dedicated to university students studying in Italy or abroad) and mamma@work (loan to discourage new mothers from leaving work and to support motherhood in the first years of the children's life) | |
| New lending for urban regeneration to finance a dedicated program | Commitments made to the tune of over €500m 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 | |
Enhancing the quality of service levels |
Enhancing the Net Promoter Score (NPS), n indicator that expresses the likelihood of customers to recommend the bank therefore its overall satisfaction | The NPS is increased compared to 1H2021 for Retail and Exclusive customers and Third Sector customers and is substantially stable for Businesses. •Retail: 23 |
(*) Includes MLT loans provided by the Third Sector network and by Banks in Italy.
Objectives and results: 2018-2021 Business Plan
| 2018-2021 Business Plan Targets |
Description | Achievement (data as at 31/12/2021, where not specified) |
| Enhancing the quality of service levels | Improvement of the Net Promoter Score (NPS), indicator that expresses the likelihood of customers to recommend the bank, therefore its overall satisfaction. | The NPS is increased compared to 2020 for Exclusive customers, is stable for Retail and Third Sector customers and is substantially stable for Businesses. • Retail: 21 |
| Medium/long-term credit granted to the real economy | Disburse € 250bn (cumulative 2018-2021) | Disbursed €290bn (cumulative 2018-2021) |
| Reinforcement of initiatives to foster financial inclusion and to support vulnerable groups |
Increase the disbursements of credit for social inclusion Development of a fund - Fund for Impact - of around €250m to facilitate the disbursement of loans of around € 1.5bn to sections of society that find it difficult to access credit |
In 2021 € 20.6bn disbursed, equal to 26.6% of total funding for high social impact initiatives (including € 14bn in support of the Covid-19 health emergency), of which: • € 111.9m for micro-credit and anti-usury loans Fund for Impact initiatives: • MAMMA @ WORK - loan at highly subsidized conditions launched in July 2020 to reconcile motherhood and work in the first years of the children's life (€ 1m paid out) • XME StudioStation - loans to families to support distance learning, launched in August 2020 (€ 1.7 million disbursed) •New Fund For Impact initiatives: “Per Esempio”, intended for volunteers from the Civil Service; “Per Crescere”, for parents with school-age children; "Per Avere Cura", intended for families with non self-sufficient people |
Example of projects
Fight against usury: agreement with Finetica for microcredit
Intesa Sanpaolo and Associazione Finetica Onlus have signed an agreement to promote the financial inclusion of individuals in conditions of socio-economic fragility.
Read more
New impact projects: another step towards inclusion and access to credit
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.
Actions and insights on the challenges of education and financial inclusion and support for the economy
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 2021: |
|
| Quality of service and customer satisfaction | |
| Innovation, digital transformation and cybersecurity | |
| Financial inclusion and supporting production | |
| Sustainable investments and insurance | |
| Customer indicators - pdf |
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| 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 7 April 2022 at 12:27:37
