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*
€141.8bn credit granted
medium/long-term to the real economy, objective €328bn 2022-2025
€20.4bn social lending
and urban regeneration 2022-2024**. Objective €25bn new loans to support nonprofit businesses and vulnerable and young people
€110m made available
with fund For Impact in 2024
* Data highlighted referred to 2022-2025 Business Plan and, where not otherwise stated, are data as at 31.12.2024
** 2024 does not include, in line with the new classification rules, green loans disbursed to young people included in 2022 and 2023 data
Highlights
The results (July 2020-December 2023) of the social impact assessment of the "per Merito" loans, dedicated to supporting university students, and mamma@work, designed for working mothers.
The results of the social and environmental impact of 662 initiatives promoted by non-profit organizations and financed with 189 million euro by Intesa Sanpaolo during 2023.
Read moreFinancial inclusion: discover all the objectives and the results
| 2022-2025 Business Plan Target | Description | Results as at 31 december 2024 (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 2024, ~€69.8bn of new mid-term credit issued, with around 43.4 billion euro 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 | €20.4bn in the 2022-2024 period (€5.6bn disbursed in 2024) |
| Loans to the Third Sector | Lending and dedicated services for non-profit organisations to promote territorial initiatives that benefit communities and the environment | In 2024, €271m of loans disbursed |
| Fund for impact | Fund for Impact: direct support to individuals unable to access credit through traditional financial channels | In 2024, ~€110m made available |
| Loans for urban regeneration | Dedicated programme for urban regeneration with investments in sustainable infrastructure | In 2024, €234m committed |
| Social bond | Between 2022 and 2024 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 2024, with regard to the BdT Division, a total of 657 thousand multi-channel surveys were conducted to calculate the NPS. The results of surveys were: NPS Retail: 38; NPS Exclusive: 34; NPS Businesses: 24; NPS Third Sector: 33; NPS Agribusiness: 24 |
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.
Last updated 2 May 2025 at 08:17:58
