Financial inclusion

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 with the aim to 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 target that was exceeded with €26.7 billion disbursed over the Plan period. In 2025, new loans totalling approximately €6.3 billion were disbursed, representing 7.4% of the total. The Bank has thus contributed to creating business and employment opportunities, as well as helping people in difficulty through various forms, including microcredit; products and services for third-sector associations and organisations; and products dedicated to the most vulnerable social groups to promote their financial inclusion.

In addition to these, there are €345 million in loans to support non-profit organisations (€1.2 billion since 2022), as well as the “Fund for Impact” programme (in 2025, €127 million was made available through dedicated programmes to support the needs of individuals and families, to ensure broader and more sustainable access to credit) and the urban regeneration programme (in 2025, commitments were made for €34 million in new investments in housing, services and sustainable infrastructure initiatives, in addition to the most significant urban regeneration initiatives underway in Italy; €1.5 billion since 2022). 
The commitment of Intesa Sanpaolo to these urban regeneration 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.