Welfare and People Care


In line with the provisions of the signed National Collective Labor Agreements, Intesa Sanpaolo undertakes to protect an adequate standard and a sustainable quality of life for all the people who work within the Group, both in terms of remuneration and in terms of individual well-being.

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

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 Foundation, philanthropic institution.

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 10.7 billion euro for over 136 thousand members.

Contribution Pension Funds offer their members a wealth of investment options, allowing them to choose their ideal allocation based on individual needs and specific risk appetite, including across multiple sectors. The Bodies and structures of the Group Funds constantly monitor market performance, to maintain and defend the income targets of each sector, with the interventions that are deemed necessary in the interest of its members for the protection of pension savings. A high level of attention continues to be paid to ESG issues and the verification of the ethical nature of the investments made.

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 134 million euros for about 18,000 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.

It is a non-profit association based on criteria of mutuality, sustainability and solidarity, even intergenerational.

The Fund, which has more than 246,000 members, after UBI Bank integration, (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 200 million euro in 2022 with self-insurance and with health and LTC coverage.

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.

The Long Term Care (LTC) coverage activated by the Fund for spouses reached approximately 40,000 people, the cover in favour of the elderly component not already covered by the LTC of the National Collective Bargaining Agreement assisted approximately 25,000 people, whereas the voluntary cover for members and family members recorded approximately 19,000 subscribers.

With the revision of the Regulations introduced at the end of 2021, an important prevention initiative was launched which facilitated access to members for prevention and early diagnosis services: the two-year prevention plan made the related checks aimed at reduce the risk of a wide range of cardiovascular and oncological diseases.

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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 170,000 subscribers (colleagues and family) 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.

For some years now, ALI has also set itself the goal of implementing initiatives designed to promote the achievement of some of the objectives set in the UN 2030 Agenda.

In 2022, it donated over 87,000 water bottles to all ordinary members, to spread good practices in terms of environmental protection, contributing to reducing the use of disposable plastic bottles and to encourage greater consumption of water as a source of well-being (SDGs 11, 12 and 14).

The LE FORESTE DI ALI project - launched in 2021 - continued  which involved planting more than 1,400 trees on the land of nine social cooperatives selected in as many regions of Italy from North to South.

The project - carried out in collaboration with zeroCO2, an Italian benefit company that deals with sustainability through reforestation projects with a high social impact and with various agricultural and social companies - had among its objectives - in addition to reducing the consumption of plastic (SDGs 13 and 15) - also to help promote the inclusion of people in economically disadvantaged conditions (SDGs 8 and 10). 

In 2022, various cooperatives involved people with disabilities, especially those with intellectual disabilities and psychic vulnerability, in many maintenance activities on the areas of the ALI Forests, promoting their social inclusion.

Furthermore, 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 Ticket platform (SDGs 11 and 13) and “green” agreements, for the purchase or sharing and long-term rental of scooters and hybrid and electric cars. 2022 recorded a significant resumption of in-person initiatives, with special emphasis being placed on local tourism and cultural proposals for the enhancement and rediscovery of the local territories and the return to social gathering initiatives at national level. The wide range of personal services offers initiatives and contributions dedicated to families with children for the purchase of textbooks, participation in summer camps in Italy and abroad, guidance to help with the choice of their university and secondary school and learning courses to improve academic performance also dedicated to children with learning disabilities (Studio con metodo!). ALI provides free psychological support services in collaboration with STIMULUS and tailored advice on “Welcare Family”. The Association offers free psychological support services in collaboration with STIMULUS and personalized consultancy on "Welcare Family" social welfare and educational services in collaboration with Welfare Come Te and proposes initiatives to support people with disabilities such as courses on support administration and the management of the frail elderly (Validation Method).

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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". 

Through special agreements - activated by the Group Welfare Body/Intesa Sanpaolo Workers' Association - Group members and their families are guaranteed the purchase of over-the-counter products and contraceptive devices at discounted prices (such as, for example: condoms, coils) at physical and online pharmacies.

Disability Management

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 80 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. All 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.

The course creates the basis for a common language, an important work tool. The "Disability Management" section is available in #People, a summary of the Group's commitment on the subject, which led to the birth of many internal projects within the company: from the analysis of processes for improvement continuous management of individual requests from Group people, monitoring the issues of accessibility to IT systems, from the training dedicated to all HR Managers, a fundamental point of listening and reference, to the publication of a schedule aimed at constantly focusing attention on the subject, to raise awareness and involve all the people of the Group, as was done for example on the occasion of the #RealizzAbile competition, which made it possible to collect ideas and ideas useful for improvement the working environment for people in the Group with disabilities. A success that saw the presentation of 44 projects and which will see the Bank engaged in the creation of the winning one. Equally intense the commitment towards the outside world, with the participation in the work table "Let's enable Disability", in which Intesa Sanpaolo is present with other companies, institutions, associations and non-profit organizations to discuss on the experiences gained, with the aim of deepening, consolidating and spreading an advanced culture on issues of Disability Management, as well as various Conferences on the subject.

Mobility Management

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

The goal is to translate the feedback into concrete actions in order to provide a structured range of options for daily commutes and implement the actions of the Home-Work Commuting Plans.

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 consolidation 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 Ticket 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 available;
  • the company shuttle service to support mobility at some sites not served by local public transport (forecast savings of over 735 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 cars for commutes in order to improve the quality of transfers, make savings on transport expenses, and 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. Almost all of the car models outlined in the company policies are electric, plug-in or hybrid and these will therefore become part of the Group’s transport assets upon the renewal of the contracts. The gradual electrification of the fleet has also resulted in the launch of projects for the installation of charging stations at the main company sites given the growing need to refuel the vehicles also when on company premises;
  • 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. The 2022-2025 Business Plan confirmed the central role of people’s well-being as a pillar of the Group’s HR strategy. To this end, People Care initiatives were carried out in synergy with the support for diversity and inclusion, with corporate welfare and with the new working methods.

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 700 selected objects and contents were published on the platform on all aspects of well-being (physical, emotional-psychological and relational), over 20 online events were organised in 2022 with experts and testimonials, open to all Group’s people and also available on demand, and six tools are available (Apps, Web Apps and specialised platforms) to put healthy behaviours into practice in one’s everyday life.

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.

With regard to company spaces, new break areas were set up, called “energy corners”, for a quality break, with an offer of healthy food and welcoming environments/lounges that encourage meetings and networking, including through ad-hoc initiatives, such as bookcrossing. To promote body-mind balance, morning yoga sessions were held at company offices and in the Gallerie d’Italia museum spaces. In some offices, open-plan rooms and meeting rooms wellness balls were made available to encourage active sitting, correct postures and micro-exercises to be performed directly at one’s desk during the day. In addition, the project designed to change and improve canteen meals was launched, with the aim of providing an increasingly quality service and encouraging healthy eating habits in line with the approach promoted by CareLab.

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 in the corporate Branches in London, Paris and Frankfurt. Since March 2022, following the serious humanitarian crisis that hit Ukraine and its population, the service has also been active for the employees of the Ukrainian subsidiary Pravex Bank and their family members, regardless of which country they are currently in. 

"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. Vetrina dei Servizi was extended to other Group companies, such as Intesa Sanpaolo Vita, Eurizon and Equiter, and tailored on the basis of specific needs and reference regulations.

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