2015 was a pivotal year for all entities operating on a global level: the new Sustainable Development Goals of the United Nations were adopted in September, 17 commitments aimed at tracing the development priorities until 2030. Recognising the close connection of some of these objectives with the Bank's business, Intesa Sanpaolo has identified the most significant projects and activities already in progress, witnessing their contribution to the generation of a positive change at a global level.

1.no poverty

BANK THE UNBANKED

Over the years, Alexbank has developed several products dedicated to individuals who would have no access to banking to improve living and working conditions in the poorest areas of the country. This commitment has been included within the scope of a dedicated project – "Bank the Unbanked" – which provides for the development and integration of three lines of intervention for this type of customers: micro-deposit, which includes the offer of new savings products at attractive rates, a dedicated debit card, and the halving of the commissions on all additional services (more than 600 accounts opened); expansion of the micro business, with a network of local supporting specialists; creation of a mobile wallet platform. Moreover, the offer to support small and very small businesses, available since 2008 with several dedicated branches, operating in close contact with these individuals to help them develop their business, continued. On the whole, micro-credit activities led in 2015 to the granting of around 45.6 million euro. Discover more @

BUSINESS ISSUE: ACCESS TO FINANCIAL SERVICES

MATERIAL ISSUE: FINANCIAL INCLUSION AND ECONOMIC EMPOWERMENT

7 affordable and clean energy 

USE OF RENEWABLE SOURCES

The Group has consolidated the use of electricity produced from renewable sources wherever possible at all sites.In Italy this type of supply, mainly generated by hydroelectric plants exceeded 95% of electricity consumption (over 125,000 tons of annual CO2 emissions avoided), which are flanked by CO.FER certified supplies and a limited self-production from co-generation at the Parma CED. Furthermore, innovative or large photovoltaic systems have been installed at some sites including the Turin Headquarters. Discover more @

MATERIAL ISSUE: CLIMATE CHANGE

BUSINESS ISSUE: RENEWABLE ENERGY

8 decent work and economic growth

INTESA SANPAOLO'S EMPLOYMENT PROTECTION

Employment is one of the priority areas in which we are working to motivate and engage people in terms of flexibility, efficiency and productivity.

In 2015 the Group recruited 2,842 people (792 in Italy and 2,050 abroad). At Group level the number of women reached 53.2% and the investment in the future through the introduction of new resources continued in line with company objectives. Discover more @

MATERIAL ISSUE: JOB PROTECTION POLICIES

BUSINESS ISSUE: EMPLOYMENT

 

EMPLOYMENT, TRAINING AND PROMOTION OF THE NEW ENTREPRENEURSHIP

Intesa Sanpaolo is a strategic partner to Piccola Industria Confindustria in the “AdottUP” project for the adoption of start-ups. It turns the best entrepreneurial ideas into sustainable businesses thanks to the training provided by established companies which become their “tutors” and guide them through their development. Among the lending tools in support of new enterprises, Intesa Sanpaolo also makes the “NeoImpresa Loan” available, specifically for medium/long-term financing to start-ups. Loans for 6.9 million euro were disbursed in 2015. Discover more @

MATERIAL ISSUE: SUPPORT TO THE BUSINESS SYSTEM

BUSINESS ISSUE: YOUTH EMPLOYMENT

 

9 industry, innovation and infrastructure

TECH-MARKETPLACE

It promotes interaction between start-ups, SMEs and large companies, allowing technological start-ups and SMEs to offer their innovations to larger firms, thereby facilitating the meeting of supply and demand for technological innovation, with the aim of creating partnerships, commercial agreements and acquisitions.

Over 5,000 Tech Marketplace contracts were signed and approximately 60 start-ups and companies were matched, both on platform and offline. Discover more @

MATERIAL ISSUE: SUPPORT TO THE BUSINESS SYSTEM

BUSINESS ISSUE: RESEARCH AND DEVELOPMENT

 

ADOPTION OF THE EQUATOR PRINCIPLES IN FINANCING

Voluntary international guidelines which support the financial institutions that adopt them in the management of social and environmental risks deriving from infrastructure financing. Applying these in a structured, integrated manner in a bank’s operations also allows emerging risks to be managed in countries that are vulnerable from a social and environmental viewpoint and in sensitive sectors. Being ready to face these unquestionably offers a competitive advantage, including in the long term. Discover more @

MATERIAL ISSUE: MANAGEMENT OF BUSINESS RISKS

BUSINESS ISSUE: INFRASTRUCTURE INVESTMENTS

   

13 climate action

THE MANAGEMENT OF ENVIRONMENTAL EMERGENCIES

Intesa Sanpaolo integrates within its strategy a series of measures of adaptation to climate change which has already taken place. In recent years we have witnessed extreme atmospheric events at global level that have had considerable impact on the Bank’s structures and on the activities and daily lives of our corporate and retail customers. Knowing how to assess and manage these risks is therefore increasingly important. In particular, Intesa Sanpaolo supports families and economic operators damaged by bad weather and climatic emergencies, through specific loans on favourable terms (the different sums allocated in Italy in 2015 reached a total of 185 million euro) and the suspension of repayments on existing loans. Discover more @

MATERIAL ISSUE: CLIMATE CHANGE

BUSINESS ISSUE: RISKS AND OPPORTUNITIES DERIVING FROM CLIMATE CHANGE

 

LOANS FOR THE GREEN ECONOMY

Despite the reduction in incentives to the sector, the offer of loans targeting the corporate, small business and retail customer segments wishing to invest in energy savings and renewable sources continued in 2015.

In 2015 they amounted to 1.495 million euro, 3% of total loans.

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MATERIAL ISSUE: CLIMATE CHANGE

BUSINESS ISSUE: RISKS AND OPPORTUNITIES DERIVING FROM CLIMATE CHANGE

   

16 peace, justice and strong institutions

PREVENTION OF CORRUPTION

The Bank has adopted strict internal procedures over time to prevent the risk of corruption and extortion. In addition to what is specifically envisaged by the Code of Ethics, the Group's Internal Code of Conduct and by the Organisation, Management and Control Model pursuant to Legislative Decree 231/2001 on the administrative liability of entities, there is a detailed set of internal regulations - which all personnel must know and comply with - which outline the corporate processes potentially leading to the commission of this type of crime. The Compliance, Audit and Internal Control Departments must ensure ongoing consistency between the control and conduct principles set out by the 231 Model in terms of corruption and the internal regulations in force, also ensuring compliance with said principles. Discover more @

MATERIAL ISSUE: INTEGRITY AND RIGOUR IN CORPORATE CONDUCT

BUSINESS ISSUE: ANTI-CORRUPTION