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
Main targets and results
€290bn credit granted (2018-2021)
medium/long-term to the real economy, objective €250bn 2018-2021
€20.6bn loans
For initiatives with high social impact (26.6% total loans), objective support to vulnerable groups
€ 1.2bn credit to the Third Sector
and social businesses in 2018-2021 with a 2018-2021 target of €700m
Fund for Impact: per Merito
€71bn granted (~€162bn since the beginning of 2019)
Fund for Impact: Mamma@work
~€1m granted since the launch (July 2020)
Fund for Impact: XME StudioStation
~€0,5bn granted; ~€1,7bn granted since the launch (August 2020)
Financial inclusion: discover all the objectives and the results
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 |
2022-2025 Business Plan: objectives
25 billion euro cumulative flows of social lending in 2022-2025
- Lending to third sector: lending and dedicated services for non-profit organisations to promote territorial initiatives that benefit communities and the environment
- Fund for Impact: direct support to individuals unable to access credit through traditional financial channels, with dedicated programs such as “MAMMA@WORK”, a highly subsidised loan to balance motherhood and work in their children’s early years of life, “Per Merito”, the first line of credit without collateral dedicated to university students, and XME StudioStation, loans to families to assist with distance learning
- Lending for urban regeneration: dedicated program for urban regeneration with investments in hospitals, smart mobility, broadband networks, education and service and sustainable infrastructure
- Lending to vulnerable and underserved individuals:
- Direct support to vulnerable and underserved individuals
- Support to families affected by natural disasters through subsidised loans
- Partnerships to provide micro-credit to individuals or small companies in difficulty
Latest news
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 |
|
| 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
