To boost and support green economy, Intesa Sanpaolo has developed a range of financing products and wide and diversified advisory services, dedicated to all types of customers, in Italy and abroad. Furthermore Intesa Sanpaolo monitors social and environmental risks in financing large projects and it is working on the implementation of new criteria to address environmental risks connected to the disbursement of loans.
In 2016, 3.1% of Intesa Sanpaolo Group’s total loans to business referred to green sector, amounting to over 1.7 billion euro, with an increase by about 15% compared to 2015.
In Italy, since June 2016 the possibility to select, among the purposes of funding, those with environmental benefit and those that may constitute a critical issue for the environment, as they relate to sensitive sectors or activities, has been included in the Credit Line procedure (Pratica Elettronica di Fido - PEF). Some new "Loan Type" classification codes have been added: renewable energy, environmental interventions, coal, oil & gas and nuclear. The manager, after a specific information activity, has been invited to rank the environmental funding according to their classification within the assessment phase.
In 2017 the Intesa Sanpaolo Group’s commitment in financing projects related to green economy will continue. At the beginning of 2017, a new service called Servizio di Valorizzazione Immobiliare was launched: a new service connected to financing, also aimed at supporting, free of charge, customers intending to increase the value of their house through energy requalification intervention (developed by Intesa Sanpaolo Casa in collaboration with CasaClima, public company specialized in the field of energy saving).
As part of the Sustainable Energy and Leasenergy programme, Mediocredito Italiano, the Intesa Sanpaolo Group bank that brings together medium-long term financing, leasing and factoring, provides "tailor-made" financial solutions and specialist advisory services dedicated to businesses that invest in plants for the generation of energy from renewable sources or in energy efficiency processes. The Mediocredito Italiano Energy Desk,continues to focus its attention on energy efficiency, also participating in work groups to discuss the issue with the competent institutional authorities and structuring partnerships on dedicated financial proposals with leading Italian players.
In the area of non-profit organisations, Banca Prossima provides credit support for energy efficiency projects with solutions that help customers optimise the financial flows generated by the investment and thus reduce financing costs. In October 2016, for this program - carried out with Federesco (Federation of Italian Energy Service Company) - the bank received the Green Globe Banking Award in the category Indirect Impacts.
In 2016 Intesa Sanpaolo extended the agreement with Federesco to involve all companies with an annual energy consumption over 80,000 euro.
Intesa Sanpaolo Group, through Banca IMI operates, on behalf of the counterparts that make the request, on CO2 derivative contracts in international markets (EUA).
An interdepartmental work group, coordinated by the CSR Unit, the "Green Table", gives the opportunity for a useful dialogue on environment and renewable energies, dealing with current topics and sharing new regulatory measures and internal best practices.
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Our commitment to the environment (Italian version)