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Financial inclusion and supporting production

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

Letter to stakeholders, CEO Carlo Messina, Chairman Gian Maria Gros-Pietro

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

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 more

Financial 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 
• Businesses: 16 
• Exclusive: 16  
• Third Sector: 23 
• Agribusiness: 15

(*) 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 
• Businesses: 20 
• Exclusive: 19 
• Third Sector: 25 
• Agribusiness: 14

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

• To deal with the COVID-19 emergency, from the beginning of the pandemic there are: € 115bn in suspension of mortgage payments and existing loans for families and businesses

Fund for Impact initiatives:

• "Per Merito", the first line of credit without collateral dedicated to university students residing in Italy, studying in Italy or abroad; ~€162m since beginning of 2019 

• 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.

Read more

Actions and insights on the challenges of education and financial inclusion and support for the economy

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
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
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