(Teleborsa) – Green targeted lending is consolidating its growth in Italy and establishing itself as one of the most dynamic segments : according to data processed by CRIF, total financing reached €887 million in 2025, with an average amount of approximately €5,000. Comparing the second half of 2025 with the first half, a 49% increase was recorded, a result that reflects both seasonal dynamics and the impact of public incentives. This market is growing in a structured manner, driven by demand that is increasingly attentive to environmental issues and an expanding credit offering.
Among the various customer segments, individuals represent the largest component, accounting for 88% of the total financing, followed by sole proprietorships (6.2%) and corporations (5.8%).
Digging deeper into the demographic profile and age of borrowers, individuals over 50 are the most likely to access green credit. This data demonstrates that the environmental transition is not limited to younger generations, but rather reflects a broad segment of customers with greater spending power and real estate and housing assets to leverage.
In terms of loan amount, the range up to €5,000 is the most prevalent (33.7%), followed by €5,000–€9,999 (20.7%) and €10,000–€14,999 (18.6%). This profile is consistent with medium-scale energy efficiency projects, accessible to a broad range of consumers.
The analysis by sector highlights how the “Energy” category of loans leads the market, accounting for 39% of total financing in 2025 and growing by 45% in the second half of 2025 compared to the previous half. The “Fixtures” segment remains in second place, accounting for 34% of volumes disbursed, and records the most significant growth: +80% compared to the two half-years of 2025. This is followed by the “Stoves” segment, with 16% of volumes, up 42%, and the “Bicycles” category, with 6% (down 11%).
In our country, there are a total of between 10,000 and 10,500 approved green dealers, with the “Energy” segment having the highest number of operators (4,000–4,500) followed by the “Fixtures” segment, with 3,000–3,500 dealers, a number growing by 6.3% compared to 2024.
Another element that distinguishes the sector is the good quality of the credit: according to CRIF scores, 57.9% of green loans are in fact classified in the low risk class, 36.3% in that average and only 1.9%in the high end. These data confirm the sustainable growth opportunities the market offers, including for financial institutions.
“Our data confirms that green credit is a structural component of the consumer credit market, where increasingly informed customers are using financing as a lever to accelerate their sustainable transition. In this scenario, the banking and financial system has an enabling role that goes beyond simply providing credit: guiding families and businesses towards sustainable choices means making a concrete contribution to the country’s energy and environmental transition. This is a responsibility that the most forward-thinking institutions have already embraced, and the data confirms that sustainability can become a concrete lever for value and further growth. Financial institutions can accelerate and actively contribute to the green sector by investing in two areas: on the one hand, product development, with new, increasingly targeted offerings based on pricing/profitability strategies; on the other, the development of the dealer network and commercial partnerships, focusing on growing subsectors with high financing potential and fully capturing dealers’ interest in the products and services offered.” – comments Antonio Deledda, Executive Director of CRIF.
Source: borsaitaliana.it
