Loans and services for the sustainable economy

In 2025, the Group's commitment to retail customers continued through the provision of mortgages and loans with environmental purposes. The banking system is urged to play a transformative role in directing financial investments towards activities that can help reduce the European Union's dependence on fossil fuels, helping to achieve the EU's climate targets for net-zero emissions by 2050.

The financing solutions proposed by the Intesa Sanpaolo Group are available not only to support the purchase or construction of a property with high energy efficiency, but also for those who wish to improve energy performance through, for example, the replacement of high-yield windows and boilers, the purchase of ecological vehicles and the installation of solar and photovoltaic panels.

In this context, the Group offers "Green - Mutuo Domus": a mortgage loan with subsidized conditions that allows the purchase and construction of a property for residential use in Italian territory in a high energy class (equal to or higher than B) or the renovation of a property for residential use in Italian territory with an improvement of at least one energy class.

In the period 2022-2025, 15.2 billion euro of green mortgages have been disbursed.

The green offer is enriched by a series of accessory and optional services which help, for example, to evaluate the possible savings resulting from energy requalification interventions.

The Intesa Sanpaolo Group participates in the European coalition for the financing of energy efficiency and in the “Energy efficient Mortgages Action Plan” (EeMAP) project. As part of "EeMAP", Intesa Sanpaolo has also joined the "Energy Efficient Mortgage Label" (EEML), a project which aims to maximize the regulatory alignment of the portfolio with the main legal developments such as the European Union taxonomy, the Mortgage Credit Directive (MCD), the Capital Requirements Regulation (CRR), or equivalent at an international level. As part of the EEML project, starting from 2021, the Intesa Sanpaolo Group reports quarterly aggregate data on the green portfolio and the standard portfolio.

Offer to SMEs

The main products offered to SME customers include loans dedicated to the environmental transition and circular economy of client companies "S-Loan Green Projects" and Sustainability-linked "ESG S-Loans" to support small and medium-sized enterprises that aspire to improve their sustainability profile, correlating economic and financial decisions also to their environmental impacts, through precise commitments made with the Group through specific ESG indicators (KPIs) subject to annual monitoring. 

• S-Loan Green Projects: financing of business investments capable of generating a positive environmental impact on processes, infrastructures, technologies, services and products through projects related to renewable energy, energy efficiency, sustainable management of natural resources, waste management, water management, pollution prevention and control, sustainable transport, biodiversity conservation,  adaptation to climate change and the circular economy. 
• ESG S-Loans: loans that aim to improve their overall sustainability profile.
• S-Loan Diversity: funding that promotes women's participation, gender equality policies, new female hires and employee welfare for women, in line with European gender equality goals. 
• S-Loan REC: financing to invest in renewable energy systems by sharing self-produced energy. Beneficiaries receive an interest rate incentive, with an additional bonus available when a portion of the energy generated – and not self-consumed – is supplied to a REC renewable energy community.

Other examples of products are:

• Solution-Loan Lavoro: innovative solution that aims to incentivize SMEs that make high-tech investments and are also able to increase productivity and, consequently, employment in the long term.
• NOVA+: medium-long term funding line for research, development and innovation projects. Specific products include Nova+ Green (to support product or process innovation projects aimed at achieving climate neutrality or integrating a circular economy process), Nova+ Agritech (to support innovative projects by companies aimed at transitioning agriculture to a new paradigm based on the principles of sustainability, resilience and productivity) and Nova+ Mobility (to support innovative projects by companies that aim at the transition of mobility towards a new paradigm of sustainability, digitalisation and connection). 
• Business Gemma: medium-long term loan dedicated to entrepreneurs and self-employed workers, which supports investments and liquidity needs by facilitating work-life balance. The funding is aimed at SMEs in any sector with predominantly female participation, self-employed workers in any sector (including freelancers), new enterprises with predominantly female participation/self-employed workers who are in the start-up phase of productive activity.

IMI CIB Offer

• The financial offer of the IMI Corporate & Investment Banking Division focuses on ESG solutions. It includes sustainability-linked tools, linked to the improvement of the client's sustainability performance, and loans with proceeds tied to dedicated projects, in the green and circular economy sectors, promoting decarbonisation and the reuse of resources.
• In terms of sustainability-linked solutions, in 2025 the Group supported its customers with loans, while the transactions with restricted proceeds targeted include green loans, green, social and sustainable bonds, green convertible bonds, or other project finance dedicated to the world of renewable energy (wind, photovoltaic, biomass, hydroelectric).
• The Division also offers a wide range of advisory services focused on the sustainable transition. In particular, an ESG Advisory Team was established in 2023 to assist clients served by IMI Corporate & Investment Banking in the development of customized ESG tools linked to their transition strategies and plans. 
• With its IMI Corporate & Investment Banking Division, in 2025 Intesa Sanpaolo took part in numerous bond issues with ESG characteristics, promoted by Italian and foreign corporate issuers and leading financial institutions.

International Banks Division

In the environmental area, a strong commitment to the green transition of its customers is underlined, both thanks to a commercial offer dedicated to the financing of energy efficiency interventions, to support the circular economy and to contain climate impact, and through awareness initiatives for the dissemination of knowledge and understanding of ESG issues. In the retail and micro-enterprise sectors, the catalog includes dedicated solutions such as financing and Green Mortgages for the purchase, construction and energy efficiency of properties. In 2025 the “Green dedicated S-loan” product was also marketed in Privredna Banka Zagreb, joining the other banks in the Division — Všeobecná úverová banka (VUB), CIB Bank and Banca Intesa Beograd

In the social area, it supports individuals in vulnerable conditions, through a dedicated offer. In particular, Bank of Alexandria (Egypt) places microfinance at the center of its strategy, as a driver for the reduction of poverty and the socio-economic development of the country.

In 2025 the bank, which offers a diversified catalog of products, particularly in the Agribusiness sector, also developed in line with the guidelines of the Central Bank of Egypt, disbursed a total of around 55 million, also providing customers with training services in collaboration with the World Food Program (WFP) and making use of partnerships and collaborations with NGOs, Ministries and private bodies.

The Division also has an offer dedicated to young people for the purchase of their main home, which also makes use of state programs to support new generations. This offer is active in seven entities: Banca Intesa Beograd, CIB Bank, Banca Comerciala Eximbank, Banca Intesa Sanpaolo (Slovenia), Intesa Sanpaolo Bank Albania, Intesa Sanpaolo Banka Bosna I Hercegovina and Vseobecna Uverova Banka; in 2025, a total of approximately €434 million were disbursed. In addition, there are products to support female and youth entrepreneurship, also developed in collaboration with multinational banks, such as the Women in Business program of the European Bank for Reconstruction and Development (EBRD), active in 2025 in Serbia.