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Financial inclusion and supporting production

Intesa Sanpaolo is strongly committed to social inclusion, a crucial factor with a view to a fair and inclusive transition.

Letter to stakeholders, Carlo Messina, CEO, Gian Maria Gros-Pietro, Chairman

Main targets and results

€81.4bn credit granted

medium/long-term to the real economy, objective €328bn 2022-2025

€9bn social lending

11% total loans. Objective €25bn new loans to support nonprofit businesses and vulnerable and young people

Commitments to the tune of over €616m

to finance a dedicated program of urban regeneration

Highlights

Finance and the Third Sector: focus on financial needs of social enterprises

Intesa Sanpaolo and AICCON Research Center presented the 12th edition of the Observatory on Finance and the Third Sector, which monitors the changing state of the supply and demand of finance for the third sector.

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Mortgages for those under 36: smaller payments and half off fees

In the light of rising interest rates, Intesa Sanpaolo is taking action in the mortgage sector to support those under 36 who wish to buy a home.

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Financial inclusion: discover all the objectives and the results

2022-2025 Business Plan: 2022 results
Objective
2022-2025 Business Plan
Description Results as at 30.12.2022 (where not specified)
Medium/long-term credit granted to the real economy Disbursment of €328bn of which €285bn in Italy (cumulative value 2022-2025) €81.4bn of which €58.4bn in Italy
Financial inclusion and supporting production Social lending: New loans to support nonprofit businesses and vulnerable and young people for €25bn €9bn disbursed (excluding loans linked to the COVID-19 emergency and lending for urban regeneration purposes), equal to 11% of total loans

Loans to the Third Sector
€339m loans were granted in support of non-profit organisations 
Fund for Impact for direct support to people who are unable to access credit through the traditional channels

Per Merito, the unsecured credit line for university students: over €51m granted 

Mamma@work, a loan to reconcile motherhood with work in the first years of children’s life: ~€1.2m granted in 2022

“Per Esempio” – intended for volunteers taking part in Civil Service; “per Crescere”, for parents with school-age children, and “per avere Cura”, intended for families with members that are not selfsufficient: these three initiatives were launched in 2021

XME StudioStation: the loan to households to assist with distance learning: ~€1.8m granted since the launch)

New lending for urban regeneration to finance a dedicated program Commitments made to the tune of over €616m of new loans to support investments in student housing, sustainable services and infrastructure, in addition to the most important urban regeneration initiatives currently underway in Italy. Promotion of academic initiatives to define ESG assessment methodologies for the impact of urban regeneration
Social bond   The first Social Bond was successfully placed in October 2022 for a nominal value of 750 million euro. The portfolio mainly consists of loans to SMEs operating in disadvantaged areas (including COVID loans) and non-profit entities operating in sectors of particular social concern (health, education, welfare and solidarity)

Enhancing the quality of service levels
Enhancing the quality of service levels NPS Retail: 22; NPS Exclusive: 16; NPS Corporate: 17; NPS Third Sector: 23; NPS Agribusiness: 17. In 2022, the survey consisted of about 653,000 responses from Retail customers, 138,000 responses from Exclusive customers, 65,000 responses from Corporate customers, 11,000 responses from Third Sector customers and 17,000 responses from Agribusiness customers

Example of projects

New impact projects: another step towards inclusion and access to credit

Intesa Sanpaolo strengthens its commitment to citizens who would find it difficult to access credit according to conventional criteria with three new initiatives implemented through the Fund for Impact.

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First Elite Lounge 2023: Intesa Sanpaolo supports growth of new SMEs

A new edition of Intesa Sanpaolo's ELITE Lounge, a programme of training and support for small and medium-sized enterprises in their growth and access to private and public capital markets, is now under way.

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Actions and insights on the challenges of education and financial inclusion and support for the economy

Documents and indicators

Documents relating to reporting about our customer's support are available below.

Documents
Consolidated Non-financial Statement 2022:  
Quality of service and customer satisfaction
Innovation, digital transformation and cybersecurity
Financial inclusion and supporting production
Sustainable investments and insurance
Customer indicators - pdf
Customer indicators - excel
   
Consolidated Non-financial Statement 2021:
 
Quality of service and customer satisfaction
Innovation, digital transformation and cybersecurity
Financial inclusion and supporting production
Sustainable investments and insurance
Customer indicators - pdf
Customer indicators - excel
Consolidated Non-financial Statement as at 30 June 2021:
 
Customers indicators
Consolidated Non-financial Statement 2020:  
Customers

Customer indicators - pdf

Customer indicators - excel
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