In the 2018-2021 Intesa Sanpaolo Group Business Plan, sound and sustainable creation and distribution of value will remain a priority, through maintaining a high level of capitalisation and significantly reducing the risk profile, without any extraordinary charges for shareholders. 

The Plan confirms the role of Intesa Sanpaolo as a real economy Bank, with sustainable profitability creating value for all stakeholders, with over 300 billion euro contributed to the economy over the four-year period. The Group also aims to strengthen its leadership in Corporate Social Responsibility and become a point of reference for society in terms of social and cultural responsibility, while increasing the internal commitment to inclusion. 

Households and businesses

Medium/long-term new lending disbursed to the real economy and totalling around 250 billion euro (~500,000 new investments financed).

Focus on a multi-channel platform aimed at offering all customers a cutting-edge digital offer; 70% of activities digitalised in 2021, compared with 10% in 2017; ~2.8 billion euro in investments to complete the digital transformation, reinforcement of cybersecurity practices.    

Launch of a new fund (Intesa Sanpaolo Fund for Impact, allocating 0.5% of shareholder’s equity by 2021, which may be estimated as ~250 million euro) enabling the disbursement of credit with a social impact of around ~1.2 billion euro (with an increase in lending capacity to around 1.5 billion euro following the acquisition of UBI Banca) to categories that would otherwise have difficulties to access credit despite their potential (new families, universitystudents, researchers and new entrepreneurs), thus making the world’s first Impact Bank.

Reinforcement of leadership in sustainable investments available to customers.


Scale-up the “Cibo e Riparo per i bisognosi” (Food and Shelter for people in need) initiative by allocating funds for 10,000 meals a day, 6,000 dormitory beds a month and 3,000 medicines and clothes a month.

Medium/long-term new lending to support social ventures, totalling approximately 0.7 billion euro, thus confirming its position as the largest Third sector lender in Italy.

Set-up a specialised unit focused on enhancement and proactive management of Art, Culture and Historical Heritage (~20,000 artworks) to promote art and culture in Italy and abroad.


Purchases and investments of around 11 billion euro.

Public sector

Taxes (direct and indirect) of around 13 billion euro.