Material aspectsDMA and indicatorsPageOmissionsExternal Assurance
CATEGORY: ECONOMIC    
Economic Performance   
  G4-DMA pp. 30-31 @   pp. 190-191
  G4-EC1 pp. 55-56 @; p. 103 @   pp. 190-191
  G4-EC2 pp. 121 @; Climate Change @   pp. 190-191
  G4-EC3 Annual Report 2014 (pp. 281-284; p. 286) @   pp. 190-191
  G4-EC4 p. 157 @   pp. 190-191
Market Presence   
  G4-DMA pp. 30-31 @   pp. 190-191
  G4-EC5 p. 155 @   pp. 190-191
  G4-EC6 p. 152 @   pp. 190-191
Indirect Economic Impact  
  G4-DMA pp. 30-31 @   pp. 190-191
  G4-EC7 p. 74 @; p. 103 @; p. 143 @; pp. 172-173 @   pp. 190-191
  G4-EC8 pp. 69-71 @ @   pp. 190-191
CATEGORY: ENVIRONMENTAL   
Materials   
  G4-DMA pp. 130-132 @   pp. 190-191
  G4-EN1 pp. 130-132 @; p. 171 @   pp. 190-191
  G4-EN2 pp. 130-132 @; p. 171 @   pp. 190-191
Energy  
  G4-DMA pp. 126-129 @   pp. 190-191
  G4-EN3 pp. 126-129 @; p. 170 @; Environmental research @; Greenhouse gas emissions @   pp. 190-191
  G4-EN4 p. 170 @; Environmental research @; Greenhouse gas emissions @   pp. 190-191
  G4-EN5 p. 170 @   pp. 190-191
  G4-EN6 pp. 126-129 @   pp. 190-191
  G4-EN7 pp. 126-129 @   pp. 190-191
Water   
  G4-DMA p. 132 @   pp. 190-191
  G4-EN8 p. 171 @   pp. 190-191
  G4-EN9   not applicable for financial sector pp. 190-191
  G4-EN10   not applicable for financial sector pp. 190-191
Emissions   
  G4-DMA p. 125 @   pp. 190-191
  G4-EN15 p. 125 @; pp. 169-170 @   pp. 190-191
  G4-EN16 p. 125 @; pp. 169-170 @   pp. 190-191
  G4-EN17 p. 125 @; pp. 169-170 @   pp. 190-191
  G4-EN18 p. 125 @; p. 169 @   pp. 190-191
  G4-EN19 pp. 125-128 @ @; pp. 130-131 @   pp. 190-191
  G4-EN20   not applicable for financial sector pp. 190-191
  G4-EN21 p. 126 @; p. 170 @   pp. 190-191
Effluents and waste   
  G4-DMA p. 131 @   pp. 190-191
  G4-EN22   not applicable for financial sector pp. 190-191
  G4-EN23 p. 132 @; p. 171 @   pp. 190-191
  G4-EN24   not applicable for financial sector pp. 190-191
  G4-EN25   not applicable for financial sector pp. 190-191
  G4-EN26   not applicable for financial sector pp. 190-191
Product and services  
  G4-DMA pp. 122-123 @   pp. 190-191
  G4-EN27 pp. 122-123 @; p. 126 @   pp. 190-191
  G4-EN28   not applicable for financial sector pp. 190-191
Compliance  
  G4-DMA pp. 34-35 @; Code of Ethics (p. 5; pp. 20-21) @   pp. 190-191
  G4-EN29 p. 86 @   pp. 190-191
Transport   
  G4-DMA p. 130 @   pp. 190-191
  G4-EN30 p. 171 @   pp. 190-191
Overall  
  G4-DMA pp. 42-43 @; Climate Change @   pp. 190-191
  G4-EN31 p. 132 @   pp. 190-191
Environmental Grievance Mechanism  
  G4-DMA p. 59 @   pp. 190-191
  G4-EN34 pp. 59-60 @   pp. 190-191
CATEGORY: SOCIAL    
LABOUR PRACTICES AND DECENT WORK  
Employment  
  G4-DMA p. 11 @; p. 99 @; p. 106 @   pp. 190-191
  G4-LA1 pp. 154-155 @   pp. 190-191
  G4-LA2 p. 161 @   pp. 190-191
  G4-LA3 pp. 161-162 @ Retention rates currently navaible. The calculation methodology is being revised. We will publish these figures next year pp. 190-191
Labour/Management relations  
  G4-DMA Labour/Management relations @   pp. 190-191
  G4-LA4 p. 160 @   pp. 190-191
Occupational Health and Safety   
  G4-DMA pp. 64-66 @ @ @   pp. 190-191
  G4-LA5 p. 94 @
The Welfare Commettee is made p of company and employee representatives. It representes 100% of the Group's employees in Italy
  pp. 190-191
  G4-LA6 pp. 162-165 @   pp. 190-191
  G4-LA7   Not applicable for financial sector pp. 190-191
  G4-LA8 pp. 64-66 @ @ @; p. 95 @   pp. 190-191
  FSS DMA pp. 65-66 @   pp. 190-191
Training and education   
  G4-DMA pp. 109-112 @; Training @   pp. 190-191
  G4-LA9 p. 157 @   pp. 190-191
  G4-LA10 pp. 157-158 @   pp. 190-191
  G4-LA11 p. 156 @   pp. 190-191
Diversity and eqal opportunity   
  G4-DMA p. 109 @; Diversity @   pp. 190-191
  G4-LA12 p. 166 @; pp. 150-152 @   pp. 190-191
Equal remuneration for women and men  
  G4-DMA p. 106 @; p. 108 @; Professional development @   pp. 190-191
  G4-LA13 pp. 155-156 @   pp. 190-191
Labour practices grievance mechanism   
  G4-DMA p. 59 @   pp. 190-191
  G4-LA16 p. 59 @   pp. 190-191
HUMAN RIGHTS  
Investments  
  G4-DMA pp. 61-63 @; Code of Ethics (p. 7; p.10)@;
Human Rights @
  pp. 190-191
  G4-HR1 p. 63 @; pp. 147-148 @   pp. 190-191
  G4-HR2 p. 33 @; p. 63 @; p. 157 @   pp. 190-191
Non discrimination  
  G4-DMA Code of Ethics (pp. 8; 11; 13; 15) @; Diversity @   pp. 190-191
  G4-HR3 p. 59 @   pp. 190-191
Freedom of association and collective bargaining  
  G4-DMA Code of Ethics (p. 7) @; Labour/Management relations @; Human Rights @   pp. 190-191
  G4-HR4 pp. 61-63 @ Part of the indicator is not applicable: suppliers figures are not acconted.  For the financial sector, the indicator has significance in relation to investments pp. 190-191
Child Labour    
  G4-DMA Code of Ethics (p. 7)@; Human Rights @   pp. 190-191
  G4-HR5 pp. 61-63 @ Part of the indicator is not applicable: suppliers figures are not acconted. For the financial sector, the indicator has significance in relation to investments pp. 190-191
Forced or Compulsory Labour  
  G4-DMA Code of Ethics (p. 7) @; Human Rights @   pp. 190-191
  G4-HR6 pp. 61-63 @ Part of the indicator is not applicable: suppliers figures are not acconted.  For the financial sector, the indicator has significance in relation to investments pp. 190-191
Indigenous Rights  
  G4-DMA Code of Ethics (pp.16-17)@; Human Rights @; Equator Principles @   pp. 190-191
   G4-HR8 There are no incidents of violations involving rights of indigenous people   pp. 190-191
Assessment   
  G4-DMA p. 59 @; Human Rights @   pp. 190-191
  G4-HR9 p. 63 @; pp. 147-148 @   pp. 190-191
Human Rights Grievance Mechanism  
  G4-DMA p. 59 @   pp. 190-191
  G4-HR12 p. 59 @   pp. 190-191
SOCIETY   
Local Community  
  G4-DMA pp. 102- 103 @; Code of Ethics (p. 7; pp. 17-18) @;  Equator Principles @   pp. 190-191
  G4-SO1 pp. 61-63 @   pp. 190-191
  G4-SO2 pp. 61-63 @   pp. 190-191
Anti-corruption   
  G4-DMA pp. 34-35 @; p. 59 @; Monitoring against corruption @; Code of Ethics (p. 7) @; Responsible Investments @   pp. 190-191
  G4-SO3 p. 84 @;  Monitoring against corrption @   pp. 190-191
  G4-SO4 p. 84 @;  p. 157 @   pp. 190-191
  G4-SO5 p. 160 @   pp. 190-191
Public Policy  
  G4-DMA CSR Policies (Policy concerning the financing of political parties) @   pp. 190-191
  G4-SO6 p. 84 @   pp. 190-191
Anti-Competitive Behaviour   
  G4-DMA pp. 34-35 @; Code of Ethics (pp. 3-7) @; Protection of free competition @   pp. 190-191
  G4-SO7 p. 86 @   pp. 190-191
Compliance  
  G4-DMA pp. 34-35 @; Code of Ethics (p. 5; pp. 20-21) @; Protection of free competition @   pp. 190-191
  G4-SO8 p. 86 @   pp. 190-191
Grievance Mechanisms for impacts on society 
  G4-DMA p. 59 @   pp. 190-191
  G4-SO11 p. 59 @   pp. 190-191
PRODUCT RESPONSIBILITY  
Customer Health and Safety  
  G4-DMA pp. 64-66 @   pp. 190-191
  G4-PR1 pp. 65-66 @; p. 165 @   pp. 190-191
  G4-PR2 No penalty or fines for non compliance with regulation, no incidents of non compliance with voluntary codes regarding customer Health and Safety   pp. 190-191
Product and service labelling  
  G4-DMA Transparency to customer @   pp. 190-191
  G4-PR3   Not applicable for financial sector pp. 190-191
  G4-PR4 p. 146 @   pp. 190-191
  G4-PR5 pp. 91-92 @; pp. 144-145 @   pp. 190-191
Marketing Communications  
  G4-DMA p. 64 @   pp. 190-191
  G4-PR6 p. 64 @; p. 148 @   pp. 190-191
  G4-PR7 Transparency to customer @   pp. 190-191
Customer Privacy  
  G4-DMA p. 85 @; Code of Ethics (p. 10) @; Security and privacy @   pp. 190-191
  G4-PR8 p. 85 @; p. 146 @   pp. 190-191
Compliance  
  G4-DMA pp. 34-35 @; Code of Ethics (p. 5; pp. 20-21) @   pp. 190-191
  G4-PR9 Annual Report 2014 (pp. 400-405) @   pp. 190-191
FINANCIAL SECTOR SUPPLEMENTS    
CATEGORY: SOCIAL    
SOCIETY    
Local Community  
  FS13 pp. 140-141 @   pp. 190-191
  FS14 p. 91 @; Proximity @   pp. 190-191
PRODUCT RESPONSIBILITY    
Product and Service Labelling    
  FS15  pp. 86-87 @; Relationship with customers @   pp. 190-191
  FS16 p. 73 @   pp. 190-191
SECTOR SPECIFIC CATEGORY: PRODUCT AND SERVICE IMPACT    
Product Portfolio   
  FS1 pp. 61-64 @; p. 124 @; CSR Policies @; Equator Principles @   pp. 190-191
  FS2 p. 59 @; pp. 61-63 @; pp. 147-148 @; Equator Principles @   pp. 190-191
  FS3 pp. 61-63 @; Equator Principles @   pp. 190-191
  FS4 p. 63 @; pp. 111-112 @; p. 124 @   pp. 190-191
  FS5 pp. 61-63 @; pp. 78-79 @ @; pp. 81-83 @ @ @;Equator Principles @   pp. 190-191
  FS6 p. 14 @; pp. 141-142 @; About us (A presentation of the Group. p. 30) @   pp. 190-191
  FS7 p. 70 @   pp. 190-191
  FS8 p. 124 @   pp. 190-191
Audit   
  FS9 pp. 57-59 @; Internal control system for the application of the Code of Ethics @; Monitoring against corruption @   pp. 190-191
Active Ownership   
  FS10 pp. 142-143 @   pp. 190-191
  FS11 pp. 142-143 @   pp. 190-191
  FS12 pp. 78-79 @; p. 143 @   pp. 190-191

Non GRI material aspect

Material aspectsDMAPage External Assurance
PROTECTING SOLIDITY AND PROFITABILITY      
  Generic DMA pp. 30-31 @   pp. 190-191
MANAGEMENT OF BUSINESS RISKS    
  Generic DMA pp. 32-33 @;  Management and control of risks @  
EMPLOYEES’ ENHANCEMENT AND MANAGEMENT   pp. 190-191
  Generic DMA pp. 36-37 @;  Code of Ethics (p. 7; pp. 13-14) @    pp. 190-191
INTEGRITY AND RIGOUR IN COMPANY CONDUCT   pp. 190-191
  Generic DMA pp. 34-35 @;  Code of Ethics (p. 5; 7; 18) @    pp. 190-191
OFFERING VALUED SERVICE TO CUSTOMERS   pp. 190-191
  Generic DMA pp. 38-39 @; pp. 86-93 @ @ @ @ @; pp. 114-119 @; Code of Ethics (pp. 8-10) @    pp. 190-191
CREDIT ACCESS AND SAVINGS MANAGEMENT   pp. 190-191
  Generic DMA pp. 40-41 @;  pp. 78-79 @; Code of Ethics (p. 4; pp. 8-9)@;
Responsible Investment @
  pp. 190-191
CLIMATE CHANGE     pp. 190-191
  Generic DMA pp. 42-43 @;  Code of Ethics (p. 7; p. 16) @; Environmental policies @   pp. 190-191