{"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"}

Economy support

The competitive capacity of businesses is a key driver for a sustainable economic and social development in our country and, for a bank with strong local roots such as Intesa Sanpaolo, the capacity and propensity to understand better businesses and their operating and strategic needs become even more important, in order to be a reliable partner in the growth and development stages, but above all in times of difficulty.

Supporting production

Intesa Sanpaolo offers itself as a point of reference, and not just in financial terms, to support the country’s economic system and the world of business and associations, also during the phase of reviving the economy in the post-pandemic period.

The Group assists its customers in a consolidated and long-term relationship model founded on quality, reliability and trust. With regard to businesses and SME customers, the Group offers solutions that support the future of Made in Italy in the world and contribute to sharing their internationalisation, capitalisation, development and digitisation programmes, with particular attention to ESG issues and ecological transition, as stated in the 2022-2025 Business Plan.

In 2022, Intesa Sanpaolo allocated a total of approximately 81.4 billion euro in new medium-long term loans to the real economy with approximately 58.4 billion euro in Italy, of which around 52 billion was disbursed to households and SMEs. In 2022 the Group facilitated the return from non-performing to performing status of around 4,000 Italian companies (over 137,000 since 2014), with a positive impact on employment through the protection of about 20,000 jobs (690,000 since 2014).

In Intesa Sanpaolo, in support of the Italian economy throughout the duration of the NRRP, we have established a plafond of 400 billion euro for dedicated loans.

In 2021, Motore Italia programme was launched, which provides a plafond of 50 billion euro available to Italian companies to address any future challenges. As a part of this programme, also in 2021, Motore Italia Digitale was launched (for the digital transition of SMEs) and in 2022 Motore Italia Transizione Energetica (for business investments in renewable sources), the latter being supported with a €10 billion credit plafond1.

1 The credit plafond forms part of the 76 billion euro made available by the Group in support of the National Recovery and Resilience Plan (NRRP).

Support to Small-Medium Businesses

Constant attention is dedicated to the world of Small and Medium Enterprises which are the engine of our economy. To facilitate access to credit, the Bank developed an innovative rating model - validated by the ECB - in collaboration also with Confindustria Piccola Industria. In addition to the usual economic and financial assessments, the new model aims to make it easier to access credit, at more favourable financial terms, by basing the assessment also on the intangible qualities of the business, such as trademarks, patents, quality and environmental certifications, research and development activities, innovation and digitisation, development and competitive positioning projects, management of the business risk and being part of a supply chain. 


The growth of Italian SMEs is also supported by the Extraordinary Finance structures and the partnership with Elite of Borsa Italiana, through innovative financial solutions that give companies high visibility to institutional investors and enhance their reputation and financial culture. In partnership with Confindustria, in 2022 Intesa Sanpaolo took 53 companies representing all of Italy and its economic sectors to three Elite Lounges (an international programme to accompany the most ambitious companies in their development phases), in hybrid, physical and digital version.

Business credit agreements

The post-pandemic situation has been strongly impacted by the international geopolitical crisis which, as already mentioned, has had serious repercussions on the country’s economy, in particular as a result of the increase in the price of commodities and the cost of energy. In view of this, new cooperation agreements were signed with leading industry associations with the shared goal of supporting businesses in tackling the high energy costs: these include the agreements with Confapi, Anita Confindustria, Finco and Ucimu.

By signing new agreements with the main trade associations (Coldiretti, Confindustria Alberghi, Federalberghi, Federterme, Faita Federcamping Confcommercio, Confesercenti, Confartigianato) the aim has been to provide support for the immediate needs of businesses by providing tools with a view to making a recovery that increases the competitiveness of Italian companies on global markets.

Industrial Dialogue

The relational Industrial Dialogue approach supports the new way of making Bank: It enables business managers to assist entrepreneurs in their growth and development pathways, thanks to a better understanding of the peculiarities of their companies and the sector in which they operate and the possibility of providing answers and solutions adapted to their objectives. It has the aim of increasing the "strength of the relationship" of managers with companies, identifying a common language for a better understanding of their needs, oriented to offer solutions better suited to the objectives and peculiarities of each company.

In 2022, the scope of the ESG information on the platform that can be collected in interviews with customers, strategic for assessing a company’s ESG profile, was expanded.

Supply chain networks

Considering that many small and medium enterprises are part of complex supply chain networks, often with strong relationships at local level, since 2015, another project called “Programma Sviluppo Filiere” was launched to support the growth of manufacturers of excellence by creating an innovative model of collaboration between the Bank and the Lead Company.

An offer is being developed to support the sustainable evolution of the supply chains, with the engagement of the chain leader and the suppliers to improve their sustainability profile. At the end of December 2022, there were around 830 participating lead companies with potentially over 19,600 suppliers and a workforce of over 112,000 employees.

Attention to small and medium-sized enterprises also translates into analysis activities that the Studies and Research Department carries out through in-depth studies on local economies and production chains with the aim of identifying customer needs and strengthening the offer model of the Bank, favoring access to credit, the various forms of productive aggregation and the enhancement of companies with a recognized strategic role within the supply chains.

Corporate Welfare services

The Welfare Hub service offers corporate welfare programmes through a digital multimedia and multi-channel platform - that can be browsed via PCs, tablets and smartphones and is accessible also via App - which allows the company to offer its employees a set of goods and services called Flexible Benefits, instead of company bonuses in their payslips, that enjoy tax benefits both for the company that offers them and for the employee who receives them. 

The Welfare Hub was proposed as a sustainability tool by the “Sviluppo Filiere” programme and by the S-Loan project and, at the end of 2022, it had 5,220 companies that had signed up to the platform.

Support to female entrepreneurship

Business Gemma funding supports women's and self-employed women's companies, benefiting free of charge from the special section of the SME Fund for Women's Entrepreneurship. In 2022, 100 loans were provided for 3.6 million euro.

Support to innovation and research

In order to create business development and acceleration opportunities for the most promising technological start-ups, Intesa Sanpaolo developed several initiatives, such as the Nova+ financing programme, the Intesa Sanpaolo Start Up Initiative and the Tech Marketplace digital platform, that enables startups, SMEs and big companies to match their technology needs and offers, with the aim of creating partnerships, commercial agreements and acquisitions.

As part of the financial support to companies interested in improving their digital profile,  the D-Loan offer has been developed, which provides for the granting of loans with subsidised rates for companies that promise to commit to a list of selected “digital” KPIs. Around 21 million euro was disbursed in 2022.

Programma Rinascimento

The year 2022 saw the completion of the initiatives that Intesa Sanpaolo had implemented from 2020 onwards to deal with the economic and social emergency deriving from the spread of COVID-19. These initiatives were supported by Intesa Sanpaolo also through the Impact Loans, which are innovative and sustainable, long-term financing tools that are qualified as a form of patient capital with very modest costs.

In 2022, the Bergamo Renaissance Programme, in collaboration with the Municipality of Bergamo and the Fondazione CESVI (Bergamo), and the Florence Renaissance Programme, in collaboration with the Fondazione CR Firenze (Florence), were completed, intended for start-ups, micro-enterprises and SMEs for the realization of development and innovation projects with impacts on the territory. As regards the Bergamo Renaissance Programme, in 2022 a total of about 400,000 euro was disbursed. With regard to the Florence Renaissance Programme, the amount disbursed in 2022 was about 2.9 million euro.

Support for Public Administration

In order to promote the country's development and economic growth, Intesa Sanpaolo has six priority areas for intervention:

  • credit for infrastructure projects
  • support for the health system, universities and scientific research
  • improvement of public services
  •  backing financial stability of the Public Administration
  •  financing urban development projects and area enhancement
  •  innovation of complex administration procedures to simplify banking operations for public bodies and companies.
{"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"}]}