{"clientID":"2b71d197-0c21-4234-ba98-2689b888f985","signature":"664610f33aa0503128c41216cec8b65f079ea4ee9ece982d6c7d6715d0fc4e88","encryption":"68cad83b4246825bd81d4bc1059d4620","keyID":"183b753b-7f28-af43-f453-4bd93774f44a","user":"C1AAFC8C323DFDA567B3CD7D0E48C3DD","clientIDSh":"1d9f34e6-7f26-427f-a9d8-0fa45b27a1ca","signatureSh":"664610f33aa0503128c41216cec8b65f079ea4ee9ece982d6c7d6715d0fc4e88","encryptionSh":"68cad83b4246825bd81d4bc1059d4620","keyIDSh":"16eb5dfd-e4eb-6b7e-4294-8fc82de1428e","userSh":"C1AAFC8C323DFDA567B3CD7D0E48C3DD"}

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.

High social impact initiatives

In 2021, the Intesa Sanpaolo Group provided new loans for activities with a high social impact of around 20.6 billion euro (26.6% of total loans granted by the Group in 2021), contributing to create entrepreneurial and employment opportunities as well as helping people in difficulty through different forms: microcredit; anti-wear loans; products and services for Third sector associations and entities; products dedicated to the most vulnerable social categories to foster their financial inclusion; funding to support populations affected by catastrophic events; moratoriums on current loans.

Vulnerable people

Offers reserved for families, young people, the elderly, people affected by natural disasters and the management of remittances.

Social impact loans*

   Intesa Sanpaolo (excluded UBI Banca Group)
ISP+UBI*
Intesa Sanpaolo (included UBI Banca Group)
  2019
2020 2020
2021
Loans granted for social purposes [K euro]** Italy Abroad Group Italy Abroad Group Group Italy Abroad Group
Micro-finance
16,167
57,699
73,866 6,027
77,898
83,925
83,925
10,023 87,218 97,241
Anti-usury loans
1,480
0 1,480
1,305
0 1,305
7,130
14,661 0 14,661
Loans to the Third Sector
205,370
0 205,370
470,698
0 470,698
522,335
460,379 0 460,379
Products for vulnerable social groups 3,178,120
253,693
3,431,814
4,280,170
267,240
4,547,410
4,890,282
5,499,202 292,955 5,792,157
Support for people hit
by disastrous events
136,907
0 136,907
32,071,647
0 32,071,647
34,778,449
14,264,890 0 14,264,890
Total 3,538,044
311,392
3,849,437
36,829,847
345,138
37,174,985
40,282,120
20,249,155 380,173 20,629,328

* UBI Banca Group figures are only included as from the date of its consolidation into the Intesa Sanpaolo Group (last 5 months of 2020).

** It includes medium/long term loans provided by the Third Sector network and by Banks in Italy. In 2021, the total of high social impact loans accounted for 26.6% of total loans disbursed by the Group (vs 42.5% in 2020). The trend of high social impact loans is mainly influenced by the disbursements relating to 2020 in favour of the category most hard hit by COVID-19, in response to the first phase of the pandemic, which were higher than in 2021. More specifically, in 2021 almost 14 billion euro in loans were granted by the Group as part of the “Liquidity Decree” (approximately 43 billion euro since the start of the health emergency).

{"toolbar":[{"label":"Refresh","url":"","key":"update-page"},{"label":"Print","url":"","key":"print-page"},{"label":"Request for Annual Reports","url":"/en/investor-relations/request-for-annual-reports","key":"business-budget"},{"label":"Financial Calendar","url":"/en/investor-relations/financial-calendar","key":"financial-calendar"}]}