In terms of legal disputes, there were a total of 19,415 disputes pending as at 31 December, for a total of 10,352 million euro. The main types of lawsuits include: bankruptcy revocatory actions (662 million), lawsuits concerning financial services (507 million), lawsuits concerning terms applied to customers (1,073 million), lawsuits for operational errors (311 million) and labour-related lawsuits (151 million).
The issues with the greatest social impact are:

  • anatocism;
  • investment services;
  • class action suits by Altroconsumo.

With regard to compliance with environmental regulations, for damage caused to the environment following the bank's operations over the last three years, no sanctions of over 3,000 euro were imposed. Even with regard to compliance with regulations on health and safety, no reports or significant sanctions were received or imposed.

For details on disputes in 2014 and a detailed description of the most significant civil and fiscal lawsuits, see the Consolidated Financial Statements (pages 400-407) @.