The Antitrust Affairs & Strategic Support Unit of the International and Regulatory Affairs Department constantly monitors and promotes free competition, working to ensure that the international, community and local rules and procedures on competition are effectively applied and complied with. Furthermore, it is committed to disseminating a culture of compliance with the antitrust regulations at all levels of the Group and with third-party stakeholders, trade partners, suppliers and customers. With a view to further strengthening monitoring activities, a partial review was launched with regard to the Policy of Compliance with European Union Competition Law - adopted in 2009 - in order to incorporate some regulatory innovations and new legislative and case law guidelines regarding: promotion and acknowledgement by the Supervisory Authorities of antitrust compliance programmes, merger rules, corporate governance, state aids and unfair commercial practices. Consequently, the Unit expanded its scope of activities by monitoring compliance not only with regard to the most traditional antitrust forms (mergers, abuses of dominant positions and agreements), but also regarding EU regulations on state aids and the recent Italian regulations in support of Italy's competitiveness. The choice to adopt an actual Antitrust Compliance Programme, which goes beyond regulations, involves the adoption of higher standards of conduct. To comply with these standards, during 2014 the Unit continued carrying out a series of information and training activities involving its main stakeholders, internal and external, in the belief that protection and development of competition benefits all.
In September 2014 the Italian Competition Authority resolved to eliminate a number of measures imposed on the Group in the insurance sector, upon the merger between Banca Intesa and Sanpaolo IMI.
The Unit is committed to monitoring the antitrust processes in which the Group companies participate. Currently, there are 3 pending proceedings before the relevant Authorities, 1 in Italy and 2 in Hungary.

The International and Regulatory Affairs Department is constantly committed to managing relations with institutions and organisations, by monitoring existing regulations and by conducting attentive advocacy on any bills that could impact the activities of the Group and of its stakeholders at national, European and international levels, with a view to limiting legal, economic and reputational risk and developing new opportunities.