Financial inclusion and supporting production

Inclusion and care

to support

the sustainable development of the country

Financial inclusion, access to credit and support to production c are important elements for the Group's commitment to sustainability.

The 2026-2029 Business Plan confirms this commitment, with the aim of strengthening financial inclusiveness through social lending, through credit to the third sector, financing of affordable housing and essential infrastructure, credit to vulnerable people, supporting the inclusion of individuals who are facing material poverty or difficulty in accessing financial resources, education or employment opportunities and health services.

Intesa Sanpaolo is strongly committed to social inclusion, a crucial factor with a view to a fair and inclusive transition.

Carlo Messina, CEO, Gian Maria Gros-Pietro, Chairman

Main 2026-2029 Business Plan Targets

€25bn social lending

cumulative flows Business Plan period

Lending to the third sector and

financing affordable housing and essential infrastructure

Lending to vulnerable individuals

facing material poverty, difficulty in accessing financial resources, education, employment opportunities and healthcare services

Main 2025 results*

€26.7bn social lending

new loans to support nonprofit businesses and vulnerable and young people

€127m made available

with fund For Impact in 2025

€1.2m loans

in the Third Sector

* Data highlighted referred to 2022-2025 Business Plan and, cumulative data as of 31.12.2025, where not differently precisied.

Highlights

Impact assessment of per Merito and mamma@work products 2024

The results (July 2020-December 2024) of the social impact assessment of the "per Merito" loans, dedicated to supporting university students, and mamma@work, designed for working mothers.

Report assessing the impact of financing for non-profit organisations

The results of the social and environmental impact of the 2024 financed projects.

Financial inclusion: discover all the objectives and the results

2022-2025 Business Plan: 2025 results

2022-2025 Business Plan Target	Description	Results as at 31 december 2025 (unless otherwise specified)
Medium-long term credit to the real economy	~328 billion euro of new medium - long-term lending provided to the real economy, of which 285 billion euro in Italy (cumulative value 2022- 2025).	In 2025, ~€86.1bn of new mid-term credit issued, with around €56.3bn in Italy
Strong focus on financial inclusion through social lending, including lending to vulnerable and underserved individuals	An estimated 25 billion euro of social lending in 2022-2025	€26.7bn in the 2022-2025 period (€6.3bn disbursed in 2025)
Loans to the Third Sector	Lending and dedicated services for non-profit organisations to promote territorial initiatives that benefit communities and the environment	€1.2bn of loans disbursed in 2022- 2025 period (€345m disbursed in 2025)
Fund for Impact	Fund for Impact: direct support to individuals unable to access credit through traditional financial channels	In 2025, ~€127m made available
Loans for urban regeneration	Dedicated programme for urban regeneration with investments in sustainable infrastructure	€1.5bn committed in new loans to support investments in housing, services, and sustainable infrastructure in 2022- 2025 (€34m committed in 2025)
Social bond		Between 2022 and 2025 Intesa Sanpaolo successfully issued three Social Bonds, for a total amount of approximately 2.4 billion euro, aimed at supporting social initiatives outlined in its Green, Social, and Sustainability Bond Framework
Quality of service and customer satisfaction	Enhancing the quality of service levels; Maintaining high performance levels in listening to customers	In 2025, with regard to the BdT Division, a total of 802 thousand multi-channel surveys were conducted to calculate the NPS. The results of surveys were: NPS Retail: 48; NPS Exclusive: 47; NPS Businesses: 30; NPS Third Sector: 34; NPS Agribusiness: 24

Example of projects

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.