Welfare and People Care

The Group's Supplementary Health Fund is a non-profit association that deals with social solidarity and health support to about 240,000 people, including people, agents, pensioners and their families. The fund covers high medical expenses and guarantees access to medical and preventive services, facilitating access to quality care. Among its initiatives, it offers reimbursement for medical expenses or access to affiliated facilities, with a focus on the prevention of diseases such as cardiovascular problems, cancer, osteoporosis and, from October 2024, metabolic syndrome. Since 2022, the fund has expanded its coverage to include Long Term Care policies, guaranteeing protection to over 98,000 people, including Group people and their families.

The International Banks Division (IBD) has renewed the International Healthcare Programme for 2024, continuing to support the Group's foreign persons with permanent contracts, for a total of over 18,000 people. The programme includes second opinion medical consultations (also extended to spouses and school-age children) and/or medical treatment at centres of excellence (for Group people) located in countries other than the place of residence and/or work. From 2023, the program also includes a precision medicine service, which provides personalized treatments through genetic testing for oncological diseases.

The Intesa Sanpaolo Blood Donors Group (Italy) has been active for almost 60 years. This program raises awareness of the importance of blood, plasma and platelet donations among both the Group's active and retired people, as well as their families. The Group supports National Blood Collection Associations by directing individuals to collection points or organizing blood donations at company facilities. While not replacing the National Blood Collection Associations, the Group plays a vital role in supporting their efforts. Each year, more than 2,000 active members, ages 18 to 70, contribute thousands of donations to meet hospitals' needs for medical procedures that require blood transfusions.

Particular attention is paid, in the context of the Group's second-level Collective Bargaining and the Group's Integrated Welfare, to serious pathological events and serious diseases, including AIDS (or HIV infection), which are guaranteed specific guarantees and protections:

• Supplementary health care, extended to participating workers and their families, in the event of a serious illness, provides for the coverage of expenses for health services with dedicated and increased ceilings and in general better conditions than those deriving from coverage for other pathologies.
• The Health Fund also reimburses the costs of drugs related to the treatment of oncological, viral and degenerative diseases that meet the requirement of therapeutic innovation and that are not reimbursed by the national and/or regional health service, including HIV.
• In the event of serious illnesses, staff may request paid leave for visits and related treatments, up to a maximum of 12 days per year and with procedures that ensure  respect for the confidentiality of each person.
• The transfer of personnel who document serious illnesses can only take place with the consent of the person concerned.
• Through special agreements - activated by the Group's Welfare Body/Intesa Sanpaolo Workers' Association - the Group's members and their families are guaranteed the purchase of self-diagnosis and prevention products at discounted prices at physical and online pharmacies.

Intesa Sanpaolo Società di Mutuo Soccorso (SoMS) is a Third Sector entity that supports Group's people and their families at different stages of life, with a symbolic annual membership fee of 5 euros. In 2024, the SoMs implemented the following main initiatives:

• "Support for your future" covers children with disabilities in the event of the death of both parents, guaranteeing an annual allowance of 12,000 euro. For this initiative, in 2024, the current membership campaign has collected 398 requests.
• "Long Term Care" policy, a coverage that ensures a monthly allowance of 1,500 euro in the event of non-self-sufficiency.  In 2024, it received 1,068 applications for membership.
• subsidies for health expenses related to the prevention, diagnosis and treatment of diseases and accidents, in particular for members in conditions of economic hardship or without adequate coverage by the Supplementary Health Fund.

Through these initiatives, SoMS continues to be a cornerstone of corporate welfare, providing economic security and health care to the Group's people and their families.

The Intesa Sanpaolo pension fund provides a supplement to the public pension, with a responsible investment approach and a strong commitment to social and environmental sustainability. It serves around 129,750 members and manages assets of over €9.7 billion. The Bodies and structures of the Group's Funds constantly monitor the performance of the financial markets, in order to maintain and defend the income objectives of each investment line, with the interventions deemed necessary in the interest of members and to protect pension savings. The focus on ESG issues and the consistency of the portfolios managed with the Guidelines on socially responsible investments is always high; aspects considered fundamental also in terms of proper risk management and compliance with regulatory requirements.

As far as life/disability insurance coverage is concerned, a public selection was carried out in 2023 which made it possible to obtain discounted rates compared to the past, as well as an improvement in conditions, registering approximately more than 44 thousand members.

The Fund adheres to the Principles for Responsible Investment (PRI) and has joined the ADVANCE initiative for the protection of human rights in the mining sector.

Associazione Lavoratori Intesa Sanpaolo - ALI is the cultural, recreational and sports association for Intesa Sanpaolo Group employees.

Active since 2014, it supports the well-being and quality of life of the Group's people and their families through initiatives in the tourism, culture, sport, parenting and family sectors.

With over 176,000 members, it promotes a healthy lifestyle, investing, in 2024 alone, 2 million euros in sports activities for 31,000 individuals, and offering psychological services ("STIMULUS") and assistance to caregivers ("WELCARE FAMILY"), with 130 thousand euros dedicated to about 2,800 members. In the same year, ALI also supported parenting, allocating 650 thousand euros for 7,000 children through summer camps and educational and vocational guidance programs. In addition, it promotes cultural and tourism initiatives, contributing more than 1.5 million euros in 2024, benefiting more than 68,000 members.

The company's reference for all initiatives related to the world of disability and chronic diseases is the cross-functional Working Group created following the Inclusion Agreement of August 2018. Coordinated by the Welfare function, it has the active participation of about 80 people from the Group representing multiple corporate structures. The goal is to combine different professionalism with teamwork, to support and enhance the contribution of all people in the company.

The group periodically meets with the trade unions within the Welfare, Safety and Sustainable Development Committee - a bilateral body made up of company and trade union representatives - to define the initiatives to be undertaken and naturally operates in synergy with the Diversity, Equity & Inclusion Function.

All the people who are part of the working group, together with representatives of all the trade unions, participated in the Advanced Training Course "Disability Manager and the world of work" organized by the Catholic University of the Sacred Heart in Milan. The course creates the basis for a common language, an important working tool.

The commitment is expressed on the one hand in the management of individual reports from the Group's people and on the other hand in multiple activities such as the monitoring of issues of accessibility to IT systems, training and the organisation of cultural actions aimed at raising awareness and involving people on the subject. Among the various initiatives, the #QuasiRoberto project, winner of the #RealizzAbile ideas competition, which aims to raise awareness among colleagues on the issue of physical accessibility to work and non-work spaces, in particular through a direct experience of mobility in wheelchairs. We have published Guidelines to regulate the access of assistance dogs to company premises, a pioneering initiative in the field. Again, in collaboration with Gallerie d'Italia, the "Visite d'altri Sensi" project is active, which involves the participation of blind people as sensory museum guides.

Equally intense is the commitment to the outside world, with participation in working tables and conferences.

TThis is the function dedicated to facilitating the home-work journeys of the Group's people, to improve their quality and to promote sustainable modes of transport.

The commitment is to translate what emerged from the listening into concrete actions, in order to propose an articulated range of options for daily travel and decline the actions of the Home-Work Travel Plans.

The Mobility Manager and the dedicated team are 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.

Since 2009, Intesa Sanpaolo has been drawing up the Home-Work Travel Plans every year through the mapping of needs, direct listening and the active participation of colleagues. The documents, beyond regulatory compliance, aim to present an overview of the travel routes, the means used, the needs of the people who go to work and the services made available.

The main objectives pursued by the Group to comply with the legislation regarding the reduction of the use of individual private means of transport and CO2 emissions are:

• consolidation of Flexible Work and Training, which innovatively combine the management of private life with the company's organizational needs
• signing of a trade union agreement on mobility
• Mobility Ticket platform, through which the use of public transport is promoted for some cities, providing the possibility of requesting annual passes directly from one's workstation, with the option of monthly installments and taking advantage of discounted rates where provided
• company shuttle service to support mobility in some locations not served by local public transport (it is estimated that about 518 tons of CO2 have been avoided in Italy)
• development of sharing services (cars, scooters, scooters and bikes). In Italy, the Intesa Sanpaolo Workers' Association (ALI) has activated agreements with the main networks in numerous cities
• mixed-use fleet management based on a company policy that provides exclusively for electric or plug-in hybrid vehicles, with the invitation to drivers that, in the latter case, the home-work journey is carried out mainly in electric mode. To support this transition, an electrification plan for mobility is planned, which by the end of the year will lead to the installation of over 250 charging stations in the Company's main offices, available to both colleagues and guests, with the aim of reaching at least 300 stations by 2025
• incentive for light mobility, through various initiatives, such as the possibility of storing folding bikes and/or scooters within company spaces, a program for the installation of racks for the shelter of traditional and pedal-assisted bikes
• development of remote communication for listening and work activities, with the massive use of Teams, replacing home-work travel and business trips.

In the International Subsidiary Banks perimeter, the commitment to the progressive replacement of the company car fleet continues, with the purchase of electric, hybrid or less polluting models and the use of company shuttles used by about 300 colleagues in Bank of Alexandria (Egypt), and in the adoption of carpooling solutions for company and/or private cars, active in Intesa Sanpaolo Bank (Albania),  CIB Bank (Hungary), Banca Intesa Beograd (Serbia), Pravex Bank (Ukraine), Intesa Sanpaolo Bank Romania, Intesa Sanpaolo Bank (Slovenia), Intesa Sanpaolo Banka Bosna i Hercegovina and VÚB Banka (Slovakia). In addition, in CIB Bank, a contract has been signed since 2018 for the use of car sharing that uses exclusively electric cars and which in 2022 saw about 1,600 users. Light mobility is growing through bicycles owned by the Bank and the creation of spaces to park them, such as racks or special rooms. Also at CIB, in 2022, around 1,500 employees adopted the bicycle as a means of transport for commuting to work.

The program aims to promote a flexible hybrid work model. This model combines in-office, remote and flexible working, maximizing both autonomy and teamwork to create an environment that supports the diverse needs of the Group's people. Some examples of initiatives include:

• Up to 120 remote working days per year, extendable to 140 in specific cases
• A four-day working week (nine hours a day) on a voluntary basis, with no reduction in pay
• New co-working spaces to foster connection and engagement;
• Digital tools for time management and performance feedback.

Our "Laboratory" to promote all-round well-being: physical, emotional-psychological and social-relational to feel good in the office, at home and in all the other contexts of our daily lives. It is divided into a structured offer of content, tools and initiatives, digital and face-to-face, and provides:

• A free digital platform with over 900 selected and qualified digital content including videos, podcasts, articles and on-demand events on nutrition, movement, emotional well-being, caregiving and family care. Especially:
  • Tecnogym app, a tool with innovative services to encourage a healthier lifestyle, through workouts in all disciplines and personalized paths;
  • LianeCare, a platform for finding caring specialists - babysitters, caregivers, domestic helpers and pet sitters - with the aim of supporting people in the search for qualified personnel;
  • Académia.tv the online platform of cooking courses held with great Italian and international chefs, but also nutritionists, biologists, dietitians;
  • 4Fooding, a web app for healthy eating, with daily and weekly menus, recipes and a team of nutritionists available for questions or personalized consultations;
  • 21days, a web app that encourages the adoption of virtuous behaviors for emotional well-being, has been enriched with two new paths to train to manage technostress and aging. Today it offers multiple training courses (10 in total) also to alleviate cognitive load, increase energy, promote positivity, stimulate concentration, manage time, enhance emotional intelligence or self-esteem, cultivate quality relationships. In particular, three intensive courses, dedicated to cognitive load, technostress and aging, were prepared following the 2022 applied research project dedicated to the well-being of the Group's people and the quality of life at work, an initiative born from the collaboration between People Care, Health and Safety and the Neuroscience Lab of the Intesa Sanpaolo Innovation Center,  with the support of the scientific partner Scuola IMT Alti Studi Lucca;
  • #Stepbystep, an app that rewards an active lifestyle through steps, sports and challenges between colleagues, hosted "special initiatives in steps" that involve groups of people in achieving ESG goals: by transforming the steps taken into concrete actions, everyone was able to combine attention to well-being with support for initiatives for the care of the environment or support for the most fragile people;
  • MasterClass CareLab, a digital initiative entirely dedicated to a Regional Directorate (Veneto and Trentino-Alto Adige), to create engagement and involvement on wellness issues thanks to the gradual use of the platform's content through specific wellness paths (anti-stress, energy, etc.)
  • #People.  Possibility of individual specialist consultations with nutritionists, personal trainers, sport mental coaches.
• Corporate spaces with new layouts. The review of the spaces in the Italian offices continued, in synergy with the Next Way of Working project, and of the food offer in the company to promote habits oriented towards well-being and foster relationships. New "Energy corners" (lounges equipped with spaces for relationships, food and drinks) have been set up, now 69 at 30 company offices. In addition, the company restaurants have been renovated and innovative and sustainable services have been introduced, such as lockers for the purchase of high quality fresh products. These include yoga sessions, expert lectures, cultural events and Family & Friends Days.
  
  
• Company gyms. To promote psycho-physical well-being, the development of company gyms continues; in fact, Torino NCD is added to the Brescia and Milan headquarters in via Gioia 22, doubling the total number of users registered for the service and further openings are expected in 2025. Intesa Sanpaolo has been awarded, for its headquarters in Piazza Ferrari in Milan, among the "Workplaces that promote health", the WHP - Workspace Health Promotion - Lombardy Network program, promoted by the Health Protection Agencies (ATS) of the Lombardy Region.
  
  
• Initiatives. The organization of initiatives continues, in presence on the Italian territory and via streaming, to be even closer to people and spread awareness of well-being to shape the corporate culture and put people more and more at the center:
  • "Wellbeing Stories", a series of meetings with exceptional guests to encourage reflection on balance, construction, courage and kindness oriented towards organizational well-being;
  • "Breathe. Cultivate your balance", a course in five stages every 21 days, to practice mindfulness and promote well-being and balance in times of personal and work stress;
  • "Workshop of food well-being", four appointments to explore current issues such as detox nutrition, DNA and lifestyles, fake news, prevention;
  • "Dialogue between experts", such as the one dedicated to Alzheimer's, bullying and cyberbullying, alcohol and smoking addictions;
  • "Relationship experiences" in presence dedicated to individual structures or clusters of homogeneous population, to encourage engagement through relational well-being, with dynamic formats and in locations that are disruptive to the work context.

o In general, during the year, more than 60 initiatives were organized in 17 locations distributed throughout the country, involving a catchment area of approx. 22 thousand people. The initiatives were also made available in streaming.

As of December 31, 2024, there are 56 thousand people using CareLab's services on platforms, apps and web apps. CareLab continues to host initiatives of openness and attention to the issue of disability, in collaboration with Disability Management and Health and Safety, for example the first meeting in the series dedicated to the so-called "Invisible Diseases".   

Within the International Banks Division (IBD), the process of extending the CareLab platform to all Group people has been completed, according to the release plan established for the provision of the HR portal

The "Listening and Support" activity, the psychological support service, available 24/7, 365 days a year, for the entire Group in Italy and abroad (all Group's people), continues. In 2024, the service was enriched in Italy with the Social Care tool: in the context of psychological counseling, a Social Care Manager can intervene to provide practical help to the Group's people in finding services in the area in the field of caregiving (e.g., child care, assistance to elderly and/or disabled people). During 2024, the Listening and Support service recorded about 3 thousand total accesses (Italy and abroad).

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.