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Intesa Sanpaolo and Enel X, together for the Superbonus 110%

  • The partnership provides full assistance to contractors that are part of Enel X's ViviMeglio network
  • Intesa Sanpaolo also provides a bridging loan to assist with the start of works


Milan/Rome, March 3rd, 2021 - Intesa Sanpaolo and Enel X, the global business line of the Enel Group that designs and develops solutions focused on the principles of sustainability and the circular economy, to provide people, communities, institutions and companies with an alternative model that respects the environment and integrates technological innovation into daily life, have signed an agreement that allows companies specialized in the energy upgrading and seismic safety measures of buildings to make the most of the opportunities offered by tax incentives such as the Superbonus 110%.

The agreement is aimed at ViviMeglio network contractors, Enel X's business line for energy upgrading, implementation of safety measures and modernization of the entire Italian real estate portfolio, who together with customers have opted for "invoice discounting", the value of which depends on the tax deduction provided for the type of works to be carried out. Intesa Sanpaolo offers contractors full assistance during all stages of the process to transfer the tax credit, which also includes a possible bridging loan to allow for the start of works.                                                                                           

"Making the entire country's real estate assets more efficient is one of the pillars of our business strategy for the development of the intelligent and innovative solutions necessary to achieve the national sustainability targets set by the European Union," said Augusto Raggi, Head Enel X Italy "The agreement with Intesa San Paolo is an important step in this direction and allows us to be by the side of businesses and citizens for every part of the upgrading, modernization and implementation of safety measures of buildings covered by our activities."

"The incentives provided for the upgrading and seismic safety measures of buildings can change our cities for the better and, at the same time, contribute to the revival of the country's economy, allowing large-scale smart investments that will benefit everyone over time, families, companies and institutions,” said Mauro Micillo, Head of Intesa Sanpaolo’s IMI Corporate & Investment Banking Division. "For this reason, we chose to support, starting now, companies in fully seizing the opportunities offered by the Italian government, through highly qualified assistance that comes from our experience and collaboration with highly qualified large corporate partners such as the Enel Group."  

The funding may be made available in advance of the signing of the contracts and will be valid on revolving credit lines, which allow companies to have a defined financial framework before starting works. The maximum amount provided for is 50% of the contract value and can be used exclusively in relation to payments to be incurred for the start-up and construction of works. The assignment of the tax credit and consequent payment of the consideration is conditional on the completion of the construction works or, for assignment based on work progress, in three stages, on reaching 30%, 60% and 100% of the works.

The partnership leverages on the reach of Intesa Sanpaolo’s branch network, the Group's tax capacity which gives companies the peace of mind of being able to assign the accrued credit in the coming months and benefit from the certainty of a purchase price established for the whole of 2021 and Enel X know-how in the sector. This initiative is a solid contribution to the redevelopment of Italy’s national real estate assets and meets the needs of those involved in the entire supply chain.

Enel X is Enel's global business line dedicated to the development of innovative products and digital solutions in sectors where energy is showing the greatest potential for transformation: cities, homes, industries and electric mobility. The company is a global leader in the advanced energy solution sector, managing services such as demand response for around 6 GW of total capacity at global level and 116 MW of storage capacity installed worldwide, as well as a leading player in the electric mobility sector, with around 175,000 public and private EV charging points made available around the globe. Enel X designs and develops solutions focusing on sustainability and circular economy principles in order to provide people, communities, institutions and companies with an alternative model that respects the environment and integrates technological innovation into daily life.

Find out more on www.enelx.com and follow Enel X on its social media channels:

LinkedIn: @EnelX

Twitter: @EnelXGlobal

Facebook: @enelxglobal

Instagram: @enelxglobal


Intesa Sanpaolo is the leading bank in Italy and one of the most solid and profitable European banks. It offers commercial banking, corporate investment banking, asset management and insurance services. The Intesa Sanpaolo Group has approximately 14.7 million customers in Italy, served through its digital and traditional channels. It has 7.1 million customers abroad, through its subsidiary banks operating in commercial banking in 12 countries in Central Eastern Europe and in the Middle East and North Africa, and an international network specialized in supporting corporate customers in 26 countries. Intesa Sanpaolo is recognized as one of the world's most sustainable banks. For the Group, creating value means being a growth engine for society and the economy. In the environmental field, it has created a fund of 6 billion euros for the circular economy. It promotes significant economic inclusion and poverty reduction projects, including an impact fund of 1.5 billion euros for those who have difficulty accessing credit. Intesa Sanpaolo is strongly committed to its own cultural activities and in partnership with other entities in Italy and abroad, hosts permanent and temporary exhibitions of its vast artistic heritage at the Gallerie d'Italia and the Group's museums in Milan, Naples, Vicenza and soon in Turin.

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