Welfare and People Care


The Intesa Sanpaolo Group's welfare system has developed numerous services and initiatives for its collaborators. 

These are the areas: Complementary Pensions, Supplementary Health Care, Intesa Sanpaolo Workers' Association, Soft Welfare and coordination of the inter-functional Group dedicated to the management of disabilities and chronic diseases in the company, Mobility Management, in addition to the Intesa Sanpaolo Onlus Foundation.

The integrated welfare system represents approximately 5% of the Group's labor costs.

Complementary pension

With the UBI transaction, the Group’s supplementary pension scheme system reaches total assets of over 12 billion euro for over 121 thousand members.

Contribution funds have chosen to offer their members a plurality of investment options, characterized by a combination of risk / return, allowing them to choose their optimal allocation based on individual needs with the possibility of holding positions on multiple segments.

Particular attention was then paid to ESG issues. In general, the Funds paid particular attention, even at the time of selections, to the lines of action of the managers, verifying compliance with the Principles for Responsible Investment (UN PRI) and / or the policies adopted both in terms of investment and monitoring.

Sensitivity and ESG monitoring of the portfolio are considered a fundamental element of the portfolio management policy not only with reference to regulatory obligations but with a view to proper risk management.

In particular, the defined contribution pension fund of the Intesa Sanpaolo Group joined the UN PRI and the CLIMATE ACTION 100+ initiative (involved 545 investors for 52 trillion dollars of assets under management).

During 2020 it activated a sector focused on the issue of climate change, which during the year collected 62 million euros for about 3,000 members.

All the Funds then received the IORP II resolutions on the Governance of Pension Funds and, not only as required by said legislation in terms of transparency towards their members, they continued to invest in web areas to provide more and more information and functionality.

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Group Health Fund

For all people (in service and in retirement) and their families, the Group Integrative Health Fund has been in operation since 2011, ensuring that members receive supplementary health care for the services provided by the National Health Service, in a timely and effective way.

The Fund, which has more than 210,000 members (employees, pensioners and their families), recognizes benefits through the contracted network or, alternatively, by reimbursing the health expenses incurred directly by the associates. In total, it has provided services for around 152 million euro in 2021.

Structured in two separate managements, for those who are on duty and in quiescence, it enhances mutuality and intergenerational solidarity, allocating to the management quiescent a percentage of the annual contributions paid by the members on duty provided that their management has closed in on balance.

In 2021, operations fully resumed following the disruptions caused by the pandemic; the services provided are estimated to amount to around 150 million euro.
The cancer prevention campaign recorded more than 56 thousand views on the portal.

The Fund has in recent years promoted several prevention campaigns that have seen strong participation by members and their families. In particular, thousands of people joined online screenings for the highest-risk population identified by age group: 13,000 to the cardiovascular campaign in the period May 2015 – March 2016; 10,900 women to the osteoporosis campaign between November 2016 and September 2017; 20,900 at the skin cancer prevention initiative held between January and June 2018.

During 2020, the Fund dedicated specific attention to the communication and assistance aspects also in relation to COVID-19. In fact, the services offered by the Fund do not provide for exclusions for pandemic events and also include the reimbursement of COVID-19 swabs and serological tests.

The website of the Health Colors Fund dedicated to prevention that also hosts the periodic column "The word to the expert" with the interventions of specialists, in the two years 2018 – 2020 recorded more than 65,000 accesses.

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Associazione Lavoratori Intesa Sanpaolo

Associazione Lavoratori Intesa Sanpaolo - ALI is the cultural, recreational and sports association for Intesa Sanpaolo Group employees.
Set up by the union agreement of February 7, 2013, it became active in January 2014 as the only association in the Group, bringing together the previous clubs and expanding its activity also to offer various services to individuals.

ALI, based in Florence, operates through a central structure and other 7 local Councils (Bologna, Florence, Milan, Naples, Padua, Rome and Turin). More local Groups and Sections operating in the area refer to each Council to preserve the capillarity of services. ALI proposes initiatives for aggregation, tourism, culture, sport and personal services.

It has more than 160,000 subscribers and, through a wide range of services, established itself as a new form of participated welfare. 

The Association aims to:

  • setting up and searching for initiatives and services to support colleagues, retired staff and their families
  • encouraging the socialising among colleagues through recreation and leisure and proposing affordable holidays
  • supporting the dissemination of well-planned, lively and attractive cultural initiatives on an affordable basis
  • promoting sports initiatives aimed especially at younger colleagues
  • ensuring - through local Councils - the value of personal relationships with members and their voluntary involvement in activities
  • promoting the initiatives through its website and a management system to facilitate administrative tasks.

In these years, the offer of ALI has expanded, to ensure the best solutions to support household spending, also through contribution and payment facilities. More than 1,400 the initiatives promoted within the local Councils, involving more than 73,000 people.

Since 2018, a listening process has begun with the Members, which has allowed to carry out the "analysis of materiality" through which to identify the CDs "material themes" and better understand the impacts of the activities conducted by the Association.

In 2021 as well, the pandemic had an impact on ALI’s activities, however some in-person initiatives resumed, with special emphasis being placed on local tourism and cultural  proposals for the enhancement and rediscovery of the local territories. ALI set itself the goal of implementing, among other things, various programmes aimed at achieving some of the objectives set out in the UN Agenda 2030. The ‘’Le Foreste di ALI’’ initiative enabled over 1,400 trees to be planted on the land of nine social cooperatives, generating social and environmental impact (SDGs 8, 10, 13 and 15). With the course on Support Administration, a service was offered to members involved in the assistance of people with disabilities, with a view to promoting social inclusion (SDG 10). In line with the objectives aimed at improving the living conditions and safety of cities and roads and at combating climate change, ALI provides financial contributions for sustainable mobility and to encourage the purchase of public transport passes on the Intesa Sanpaolo Mobility Office (SDGs 11 and 13). 

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Soft welfare

The initiatives and services aim to promote the well-being of people in the company, through a wide range of flexibility measures and solutions dedicated to supporting colleagues and their families. The interventions are carried out also thanks to the listening of colleagues, through constant dialogue with the trade unions and the elaboration of the indications from the processes of "stakeholder engagement". 

In the Soft Welfare area, in addition to the more traditional conciliation initiatives, such as company canteens, which promote the principles of proper nutrition, the company nurseries and those with agreements in the area, alongside a system for the protection of parenthood that integrates and improves the set of leave and permits provided for at the legislative level.

Disability Management

The accuracy with which the inclusion practices of people with disabilities are managed has been recognized by the main bodies and associations active on the national territory: in 2019 Intesa Sanpaolo was awarded the Diversity & Inclusion Award, an award recognized to companies that promote job start-up for people with frailty, aiming at the enhancement of talent and skills. In particular, the hiring of people with disabilities was carried out in compliance with the agreements stipulated with the provinces in which there are openings on the basis of Law 68/99, guaranteeing an entry role suitable for their skills and needs, as well as a development plan professional for the future.

The reference in the company for all initiatives related to the world of disability and chronic diseases is the interfunctional Working Group created following the Inclusion Agreement of August 2018. Coordinated by the Welfare function, it has the active participation of over 70 colleagues representing of multiple corporate structures. The goal is to combine different professional skills with a team game, to support and enhance the contribution of all collaborators and promote as much as possible a condition of well-being and support in the development of life in the company, also enriching the welfare tools in support .

The group periodically discusses with the trade unions as part of the Welfare, Safety and Sustainable Development Committee - a bilateral body made up of company and trade union representatives - for the definition of the initiatives to be undertaken and naturally works in synergy with the Diversity & Inclusion Function. A large part of the members of the working group, together with representatives of all trade unions, participated in the Advanced Training Course "Disability Manager and the world of work" organized by the Catholic University of the Sacred Heart of Milan. After passing the final exam, the participants received the certification of the professional figure of Disability Manager by the Lombardy Region. The course provided operational and cultural tools for the realization of a unified and coordinated vision of the various skills, necessary to improve the quality and effectiveness of policies for the inclusion of people with disabilities and social and work integration more generally.

A 360 ° commitment, which also sees the active participation of Intesa Sanpaolo in inter-company work tables, such as "Enable Disability", where some of the most important companies, institutions and non-profit organizations confront each other constructively on all aspects the labor inclusion of people with disabilities.

Many projects let to the birth referring to the Disability Management issues, aimed both inside and outside the company: from the analysis of processes to continuously improve the management of individual requests from Group’s people, to IT systems access monitoring, from training dedicated to all HR Managers, an important listening and reference point, to the packed schedule dedicated to the life stories of employees with disabilities and clips from managers and teachers with an international profile. The year ended with the organisation of the first internal event “L’inclusione è un gioco di squadra” (Inclusion is team work), which involved a live broadcast with more than 1,000 Group’s people, who were able to hear stories from internal and external spokespersons.

As part of corporate volunteering activities, the experience of the volunteering network “Clouds of Solidarity” continued. The Guidelines to govern access to company premises by guide dogs, a pioneering initiative in the field, were published. Equally intense is the commitment to the outside world, with the participation in the round table “Abilitiamo la Disabilità” (Let’s Enable Disability), in which Intesa Sanpaolo is present with other companies, institutions, associations and non-profit organisations, to discuss the experiences gained, with the aim of investigating, consolidating and spreading a profound culture on Disability Management issues, in addition to several Conventions on the subject. Tangible actions, examples that represent a real network of support and social inclusion, create widespread wellbeing and put people first. 

Mobility Management

The Mobility Management function is dedicated to supporting employee commuting, to improve their quality but also to promote sustainable means of transport.

This is an important commitment made concrete by researching, promoting and implementing solutions that allow us to combine the well-being of our people with that of the cities in which we live and work.
The Mobility Manager is supported by Territorial Mobility Representatives with the aim, on the one hand, of detecting and interpreting the demand expressed in the area and, on the other, of spreading the culture of sustainable mobility and the initiatives promoted by the Group.
Through the mapping of needs, direct listening and the active participation of colleagues, since 2009 Intesa Sanpaolo draws up the home-work travel plans every year. The documents, beyond regulatory compliance, aim to present an overview of the directions of travel, the means used, the needs of people who go to work and the services made available.

With regard to the reduction in CO2 emissions and the use of private individual transport, the main goals pursued by the Group in response to the legislation are:

  • the spread of Flexible Work and Training, which innovatively combine the management of people’s private lives with the company’s organisational requirements; 
  • the execution of a trade union agreement on mobility; 
  • the Mobility Office platform which promotes the use of public transport in some cities, enabling employees to request annual season tickets directly from their workstation, with the option of paying in monthly instalments and taking advantage of discounted fares where envisaged; 
  • the company shuttle service to support mobility at some sites not served by local public transport (forecast savings of over 1,000 tonnes of CO2 in Italy); 
  • the company carpooling service, a mode of transport based on the concept of several people with similar routes and working hours sharing the same private car. The aim is to share the car for commutes in order to improve the quality of transfers, make savings on transport expenses, reduce traffic congestion, pollution and road accidents 
  • the development of shared services (cars, mopeds, scooters, and bicycles). In Italy, ALI - the Intesa Sanpaolo employees’ association - has entered into agreements with the main networks in several cities; 
  • the constant commitment to managing and upgrading the company fleet according to selection criteria that promote respect for the environment. For example, the models offered by mixed-use policies have been supplemented with additional plug-in hybrid vehicles; the renewal of the pooled fleet saw the introduction of a significant number of fully hybrid vehicles and provision of some electric cars; 
  • the incentivisation of micromobility through various initiatives, such as the possibility of parking foldable bicycles and/or scooters in company spaces, a plan to install racks for the parking of traditional and electrically assisted pedal bicycles, and dedicated contributions by the Employees’ Association (ALI); 
  • the development of remote communications for both listening and work activities, with the widespread use of Skype for Business and Teams in place of commuting and business trips.


People Care

The promotion of people's well-being and quality of life is inspired by a model based on: active listening to people's needs, analysis of People Care business systems at an international level, enhancement and enrichment of personal services.

We encourage new and healthy behaviors, aware that well-being is the result of balancing the physical, psychological and social resources necessary for each of us to face daily challenges, in line with the principles of the World Health Organization. This integrated approach, based on the values ​​of information, science, prevention and experience, is developed through initiatives that allow people to gain awareness and experience good wellness practices on a daily basis.


Our "Laboratory" to promote complete well-being: physical, emotional-psychological and social-relational to feel good in the office, at home and in all other contexts of our daily life.

  • Platform for free use, with over 600 selected and qualified digital contents including videos, podcasts and on-demand articles and events on nutrition, movement, emotional well-being, caregiving and family care.
  • Digital tools to experience good wellness practices on a daily basis:
    • 4Fooding, web App for healthy eating, with menus, recipes and a team of nutritionists available for questions, doubts and curiosities
    • Online gym  with a rich schedule of live and on-demand courses - usable by multiple devices and family members - held by experienced coaches in all disciplines
    • #Stepbystep, App that encourages movement and rewards a healthy lifestyle thanks to steps, sports and challenges between colleagues.
    • 21days, web App to train wellbeing habits in terms of energy, positivity, time and concentration
    • Platform dedicated to the care of elderly people created by a team of professionals and with personalized online services
  • Possibility of individual specialist consultations with nutritionists, personal trainers, sports mental coaches.
  • Enhancement of company spaces with new layouts and relationship areas aimed at combining the digital experience with a greater possibility of sharing and interaction between people as well as tools and initiatives to promote well-being in the workplace.
Psychological support

It is a service managed by an external team of psychologists and psychotherapists with consolidated experience, it offers immediate, professional, impartial and confidential support for life situations that generate concerns or affect well-being. The service is free and active 24 hours a day, 7 days a week, via a free number or through a dedicated platform that offers different methods of contact and interaction. It is available for all Group people in Italy and their families as well as in some countries where the Group operates, thanks to the international presence of the external company to which it is entrusted. The service also avails itself of the scientific supervision of a prestigious Italian university.

"Vetrina dei Servizi"

Intesa Sanpaolo, in order to respond in a personalized way to the needs of individuals and their families, provides approximately 400 services and initiatives useful for:

  • improve the balance between private and professional life
  • administer their own and family budgets
  • support health and quality of life
  • enhance free time

The complete offer can be consulted by exploring a digital catalog organized on the basis of people's needs, also in relation to the personal, family or professional life cycle.

Best Advance in Corporate Wellbeing Technology - Technology Excellence Awards 2021
Brandon Hall logo

Intesa Sanpaolo has received the silver medal in the Best Advance category in Corporate Wellbeing Technology at the Technology Excellence Awards 2021 of Brandon Hall, a research and analysis company whose mission is to enhance excellence in organizations around the world.

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