Financial inclusion of vulnerable people

Support of people in vulnerable conditions is offered through projects and initiatives aimed at the fair allocation of resources by identifying actors within the territory with whom agreements and synergies can be developed that will make access to credit easier for vulnerable individuals or those who would otherwise have no access to banking.

In its 2022-2025 Business Plan, Intesa Sanpaolo committed to providing €25 billion in social lending over the entire period, a goal it exceeded with €26.7 million disbursed over the Plan period. During 2025, new financing totaling approximately €6.3 billion was disbursed, equal to 7.4% of the total. The Bank has thus contributed to creating business and employment opportunities and to helping people in difficulty through various forms, as provided for in the new Plan: anti-usury loans; products and services for associations and bodies in the Third Sector; products dedicated to the most vulnerable social groups to promote their financial inclusion; Added to these are 345 million in funding to support non-profit organizations (1.2 billion from 2022), as well as the “Fund for Impact” program (in 2025, 127 million will be made available through dedicated programs to support the needs of individuals and families, to ensure broader and more sustainable access to credit) and the urban regeneration program (in 2025, commitments made for 34 million in new investments in housing, services and sustainable infrastructure initiatives, in addition to the most important urban regeneration initiatives underway in Italy; 1.5 billion from 2022).

The Group is also committed to supporting credit for urban regeneration with a dedicated program through investments in hospital, smart mobility, broadband networks networks and education, sustainable infrastructure and services: during 2025, commitments for approximately €34 million in new investments in housing, services and sustainable infrastructure have been made, in addition to the most significant urban regeneration initiatives underway in Italy; €1.5 billion from 2022. The commitment of Intesa Sanpaolo to these initiatives envisages development that takes account of the evolution of the Real Estate sector and that makes use of strategic initiatives open to the contribution from industrial and institutional investors, Tier 1 operators in the real estate sector, national credit agencies and supranational bodies, in order to help amplify the economic, environmental and social impact of urban regeneration through investments and partnerships.