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Our sustainable finance initiatives

We are developing projects to support our customers’ sustainable lifestyles.

Sustainability at the heart of our strategy

Sustainability represents one of the four pillars of D.O.E.S, our 2022-2024 Business Plan.

We are sensitive to all the direct or indirect social and environmental impacts that our business can have, and this pushes us to perform concrete actions on the business. In fact, we were the first Italian challenger bank to join the Net-Zero Banking Alliance (NZBA), the United Nations initiative that wants to speed up the sustainable transition of the banking sector, by zeroing the net emissions of our loan portfolio by 2050.

 

We help SMEs grow responsibly

Through the Change PMI project, we want to accompany our client companies in their energy transition process, with subsidized loans, consulting services, and scoring on their ESG performance. Thanks to our partnership with the European Investment Bank (EIB), we can allow Italian SMEs to access green loans to reduce their environmental impact, making 100 million available for projects that fight climate change and promote innovation. Over the last three years, EIB loans have enabled us to disburse a total of € 200 million to encourage the ecological transition of small businesses.

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We promote sustainable mobility

Sustainable mobility represents a great opportunity to reduce greenhouse emissions and a great challenge for companies.

Ifis Leasing Green

Ifis Leasing Green represents a unicum in the Italian financial market: a package of services entirely dedicated to those who want to choose green vehicles, combining different models of electric and hybrid cars with the flexibility of leasing.

Our fleet

We are renewing our company fleet, in order to adopt more than 50% of green vehicles – fully electrified, plug-in hybrids or mild hybrids – within 4 years.

Market Watch

We monitor the economic-financial dynamics and ESG market trends through a series of sector studies dedicated to sustainable mobility, the positive effect of the Italian sports system on our country, and the socio-environmental impacts of different production sectors.

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We evaluate the impact of financed operations

In our daily activities, we have established rules considering the social and environmental impacts of the operations we finance. In the leasing sector, for example, we scrupulously evaluate the sectors in which to operate, and the types of goods and assets to be excluded from our activities, based on their potential impacts. Even for very significant transactions (“Major Transactions”), we have adopted management mechanisms that enable us to assess not only the creditworthiness but also the social and environmental impacts.

 

We collect credit in an ethical way

In our NPL management activity, we have developed an ethical, sustainable collection model, which enables the financial re-inclusion of individuals and families. Financial re-inclusion is a key objective of our 2022-2024 Business Plan and our sustainability strategies.

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