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Resources management

Consistent with Intesa Sanpaolo's commitment to make its ecological footprint lighter, special consideration is given to direct environmental impacts generated by the Bank’s activities by: monitoring consumption and implementing initiatives to improve the management of energy, waste, green purchasing and maintenance of buildings and facilities.

Energy

Great attention is paid by the Intesa Sanpaolo Group to the progressive reduction of energy consumption and associated emissions of carbon dioxide into the atmosphere.
The Group has taken initiatives in order to use, where possible, electricity from renewable sources and to monitor and optimize energy consumption to reduce as much as possible the waste of electricity and the related costs.
Monitoring energy consumption in the banking sector is especially important since the Bank relies predominantly on electricity, both as a result of the increasingly widespread use of office equipment and new services and as a result of increased reliance on air conditioning. To express the significance of such consumption, it may be useful to know that, while a citizen consumes an average of around 1,100 kWh of electricity a year, the pro capita needs in the banking sector are on average six-seven times higher. Intesa Sanpaolo, one of the largest banking groups in the eurozone, has a consumption of electricity equal to that of a city of 340,000 inhabitants.

Renewable sources

The Intesa Sanpaolo Group, committed to progressively reducing its dependence on fossil fuels, during 2018 reached a percentage of electricity consumption from renewable source of about 80.5%. Without prejudice to the use of self-produced energy from cogeneration at the Parma site (incidence of about 3.1% with an economic saving of more than 700,000 euro), in Italy the purchase of energy from traditional sources was almost eliminated.
In the International Subsidiary Banks, the situation differs, also in relation to the limits imposed by certain national regulations. Once again, this year, Intesa Sanpaolo Bank (Slovenia) has eliminated its emissions by purchasing all its energy from hydroelectric sources, while Privredna Banka Zagreb (Croatia) purchases around a third of its electricity from renewable sources. Additionally, thanks to the national energy mix part
of the electricity used by Intesa Sanpaolo Bank Albania (100%), VÚB Banka (Slovakia) (15%) and CIB Bank (Hungary) (5%) comes from renewable sources. The Group itself produced over 1,010 MWh of energy from renewable photovoltaic sources, generated from the sites in Italy and two sites in Slovenia.

Currently the following photovoltaic systems are present:

  • Moncalieri (with Data Processing Centre): power of around 440 kWp
  • Settimo Torinese (with Data Processing Centre): power of around 180 kWp
  • Grattacielo Torino: power of around 162 kWp
  • Rubano: power of around 140 kWp
  • Sezana and Koper (Intesa Sanpaolo Bank - Slovenia): power of around 44 KWp
  • Cosenza: power of around 30 kWp
  • Pavia: power of around 20 kWp
  • Naples - Via Toledo 177: power of around 20 kWp
  • Civitavecchia: power of around 20 kWp
  • Caserta - Piazza Generale Amico 1: power of around 20 kWp
  • Cagliari - Viale Bonaria 12: power of around 20 kWp
  • Forlì: power of around 19 kWp
  • Oristano: power of around 19 kWp
  • Turin branch - Via Onorato Vigliani, solar tracker photovoltaic system, power of around 12 kWp
  • Venice Marghera branch - "The first nearly 0 energy branch", featuring cylindrical CIGS photovoltaic modules specifically designed for installation on flat, light-coloured roofs for elevated yield also in the conversion of diffuse solar radiation, with a power of around 9 kWp.
Energy efficiency

With regards to the energy efficiency of lighting systems, which already provided the use of fluorescent tubes with electronic reactors with European certification, Intesa Sanpaolo has tested the implementation of led lighting systems that meet adequate wellbeing standards in accordance with European legislation, without however altering the architectural standard commonly adopted by the Bank. Aside from ensuring particularly high durability compared to the traditional system, the LED system can be automatically adjusted according to natural lighting conditions and personal needs and does not generate waste containing mercury. Since 2011, the LED lighting system has become a standard fixture.

Another targeted action concerned the gradual replacement of office equipment with other, more energy-efficient models, as provided for in the Sustainability rules for the purchase of office machines (PDF - 189 Kb). Contractual specifications for environmental sustainability have been defined for new purchases on the basis of applicable legislation and/or best practices. As proof thereof, during the bidding phase, bidders are required to provide certifications of both their products and their organisations, some of which are compulsory in order for the bid to be accepted. For technical assessment of bids, the company has prepared a standardised algorithm for assessing environmental and energy performance, with specific weights attributed to environmental performances, environmental certifications and health and safety. From the standpoint of economic evaluation, energy-related operating costs are considered on the basis of the declared energy consumption according to the Energy Star method, over the machine's average lifetime (4-5 years), and are added to the price of the initial investment.

Furthermore, in order to eliminate the energy consumption of office equipment at night and during holidays, an IT procedure based on the Wake on LAN technology has been activated. It is able to shut down via remote control almost all PCs of 4,000 branches from 9 pm to 7 am on working days and Saturdays and completely on Sundays and holidays. The computers switch on automatically in case of SW update and, in any case, before the beginning of daily activity. Forced shutdown leads to a significant energy saving: the Intesa Sanpaolo saving has been estimated, as a result of measurements on site, at about 122 kWh / year per machine.

Energy optimisation

A pilot project, launched in 2008, saw the involvement of 24 branches of varying size and in different geographical areas in Italy heated by traditional boilers or heat pumps. Based on the results of such surveys, the electricity consumption analysis is consequently broken down by geographical area, size and type of air conditioning system in order to identify not only the actual total consumption but also that of the individual consumers. It is also an important tool to test the validity of the targets adopted by the Bank for the purposes of gradual improvement.

In SGAE (Environmental and Energy Management System) certified sites, monitoring of electricity consumption alone - through dataloggers and room temperature probes - enables to promptly identify any instances where the seasonal targets are exceeded during working hours and night/weekend or holiday hours. Should the set consumption profile be exceeded, an alert will be sent out automatically on a daily basis to the designated technicians and, if applicable, to the Facility Management firm as well. Thanks to the timeliness of such alerts, it is also possible to prevent critical issues, thus keeping onsite maintenance intervention down to a minimum.
New or renovated branches are also fitted with a datalogger for detecting electricity consumption trends and monitoring temperature levels, especially in the event where overheating is detected from office machinery inside premises with the air conditioning turned off.

Paper

Paper plays an important role in the activities of a large bank as Intesa Sanpaolo. For this reason we have addressed through a specific policy the issue regarding both the kind of paper used and the quantities of paper consumption. In 2011 the Rules for the purchase and use of paper and derivative materials were issued, that, as well as promoting efficient management, entails the Bank’s commitment on two main levels:

  • focus on characteristics of origin, i.e. the gradual reduction in the use of uncertified virgin paper increasing the use of FSC and ECF/TCF certified paper (or similar brands) and high post-consumption recycled fibre content paper;
  • efficient and responsible use, progressively extending the use of electronic equipment able to print double-sided copies, raising awareness of rational paper consumption among employees and circulating electronic communications as opposed to paper ones when addressing customers.
What we are doing to reduce paper consumption

In compliance with the Policy, we have:

  • gradually expanded the use of recycled paper, accompanied by FSC and ECF / TCF certified paper;
  • increased and made more efficient some initiatives aimed at discontinuing certain specific phases of printing (RI.BA. Alerts, accounting of transfers, receipts for standing orders, printouts for branches and Back Office centres) as carried out by external services, with an equivalent reduction in paper consumption;
  • consolidated the online accounting system addressed to all customers;
  • in accordance with the legislation on Italian banking transparency (which provides for so-called “Information Sheets" to be made available to customers at branches and promptly updated, containing information on the features of the main transactions and services rendered for each product available) installed a "totem", i.e. an Internet workstation available to customers, which can be used to view useful information without the Bank having to print the "Information Sheets on banking transparency";
  • extended the project of "dematerialisation" of bank documents. Starting from 2015, with the evolution of national legislation and the publication of the "Regole Tecniche del Codice dell’Amministrazione Digitale", the process of dematerialisation have been continued with more complex bank's transactions, such as, for example, signing of contracts and investment operations. Today, in all the Personal and Retail branches, in addition to operations at the bank counter, contracts and documents relating to numerous banking services are dematerialised, including opening current account, the request for payment cards, personal loans, underwriting of asset management contracts and units of investment, funds and insurance products for damage protection. Starting from June 6 2016, in Personal and Retail branches the subscription of contracts already dematerialised is possible only with graphometric or remote digital signature.
    The new way of subscribing the documentation for the sale of banking, financial and insurance products and services allows the customer to view all the documents regarding the offer and estimates of costs in electronic format on the tablet and to sign contracts by choosing between two paperless signing modes: graphometric or remote digital signature. Bank's documentation is filed in electronic format in the digital document archive, while customer's documentation may be delivered through Internet Banking, via e-mail or, if requested, on paper.
    As regard Subsidiary banks, among the initiatives aimed at dematerialisation, of particular interest are the results reached by Paperless Project, in Privredna Banka Zagreb and CIB Bank, which envisages the use of biometric signature with the elimination of paper support;
  • developed multichannel projects in Italy and "Digical" project for Group's International Subsidiary banks.
  • We have also issued a set of "Rules governing the sustainability in the organization of communication events and training courses" which include, among other, suggestions for limiting the use of paper, such as: sending invitations and documentation in electronic format; making any prints on ecological and / or certified recycled paper and in double-sided copies; eliminating almost completely the need to print classroom training material. With regard to the latter aspect the project "Zerocarta" can be considered accomplished: since 2013 no training programs provide for printing of paper material or sending handouts and satisfaction questionnaires, after the end of the course, are completed on line by colleagues directly from their own PC’s once back in the office.

Waste

Since 2008 the Intesa Sanpaolo Group, in accordance with the provisions of the Legislative Decree 152/2006, has adopted specific Waste Management Operational Guidelines which divide waste into:

  • urban-type waste;
  • special waste, divided into hazardous (mainly attributable to building maintenance and renovation that are produced and managed by contractors) and non-hazardous (i.e. paper with sensitive data, non-recyclable plastic materials, glass materials, etc.).

Urban-type waste (waste bin paper, glass, plastic, etc., namely waste that may be disposed of through municipal separated collection) must be delivered to the public waste collection service in accordance with the handling conditions specified by local regulations.

On the other hand, handling of special waste is entrusted to outside companies operating in the area that, directly or indirectly, meet the requirements for transporting and/or disposing of waste (registration in the National Roll of Environmental Managers) and use specifically authorised vehicles.

In 2016 new Operational Guidelines were issued, which provide guidance for the collection of materials, commonly used in our business units, that do not fit into the above categories (office machines, various equipment, etc.).

European Week for waste reduction

Since 2012 we've been adhering to the "European Week for Waste Reduction", with several communication initiatives addressed to both our colleagues and our customers.
The commitment to raising awareness about the importance of fighting waste and reducing, reusing and recycling garbage has led to the implementation of a specific course for all our colleagues, "Waste Management in Intesa
The theme chosen for the 2018 edition is "Hazardous Waste Prevention”, those wastes containing harmful elements for the health of people and for the protection of the environment and animals.
In Intesa Sanpaolo, the production of hazardous waste is residual and limited to some electronic waste. The attention and commitment to the production of special, dangerous and non-hazardous waste has allowed in 2017 a reduction of the total quantity of 9.4% compared to 2016.
In general, 94.8% of waste is valued through recycling or reuse/recovery, only 3.6% of waste is disposed of in landfills and 1.6% is destined to incinerate with energy recovery.
The Group's commitment to sustainable waste management is reported in the Consolidated Non-financial Statement.
During the week a meeting was organized on the topic open to colleagues, with the presentation of a best practice, and the initiative was disseminated through the Bank's communication tools (messages on ATM videos, sustainability section of the website and social channels).

Mobility

The Mobility Management function defines at Group level strategies and guidelines regarding sustainable mobility.

This is an important commitment realised by researching, promoting and implementing solutions to combine the well-being of our employees with the welfare of the cities in which we live and work.
The Group Mobility Manager is supported by Mobility Territorial Delegates working to monitor the demand for mobility and to spread culture and initiatives promoted by the Group.

 

Home-work commuting plans

Since 2009, the Group's Mobility Manager has been drawing up the Home-Work Commuting Plans on an annual basis, by mapping needs, listening to colleagues and using their active participation.
The data of Employee Commuting, not included in the Consolidated Non-financial Statement and relative only to the Italian perimeter, amounted to 49,009 tonnes in 2018, increasing compared to 2017 (45,760), lower than in 2016 (54,620 tonnes).

In delivering the reports to the local authorities of the 13 cities involved (Bari, Bologna, Firenze, Milano/Assago, Moncalieri, Montebelluna, Napoli, Parma, Roma, Padova/Rubano, Torino, Venezia and Vicenza), the Bank commits itself to transforming into concrete action the information gathered from listening to colleagues, aiming at improving mobility for the environment, for our cities, for ourselves and  for future generations.

Every year through the Home-Work Commuting  Plans the results achieved are compared with the goals previously set and actions to be promoted during the following year are appropriately drawn up.
These are some of the results achieved:

  • to facilitate mobility in major urban centers, numerous agreements have been signed with local public transport companies in Bologna, Florence, Milan, Naples, Padua, Rome, Turin and Venice. Colleagues from of the above mentioned cities can subscribe to the public transport subscription directly from the corporate intranet (Mobility Portal) with discounted rates and payment by instalments; moreover, thanks to the synergy with the "Associazione Lavoratori di Intesa Sanpaolo" (ALI), in some cities a contribute was also provided. Some agreements with local transport companies are also active in CIB Bank (Hungary) and Privredna Banka Zagreb (Croatia)
  • introduction of the company Car pooling service. With the aim of reversing the trend emerged from the internal analyses, which shows that a good part of the collaborators reaches the workplace with the private car, a pilot project of company car pooling has started, involving all the colleagues who work in Milan and in the offices of Assago, Torino skyscraper, Moncalieri Accountancy Center and Firenze-Novoli. Will shortly follow the extension of the project on other squares. Car pooling is a moving mode based on the sharing of the private car by several people who have compatible routes and schedules. The goal is to share the car daily in the work-home path to improve the quality of travel, to save on transport costs, to reduce traffic, pollution and accidents. Through an application, designed for the specific needs of Intesa Sanpaolo, an experimental initiative has been developed that facilitates the meeting between supply and demand of travel and the sharing of related expenses, with the possibility of managing the delivery of incentives and to establish a network between users. Other forms of self-sharing are active in Intesa Sanpaolo Bank Albania, CIB Bank (Hungary) and in the Intesa Sanpaolo Bank Romania Bank (Serbia) Pravex-Bank (Ukraine), as well as with positive results. Development of car and bike sharing services. In Italy ALI (Associazione Lavoratori di Intesa Sanpaolo)  has formed partnerships with the main networks in Bologna, Carrara, Como, Cremona, Cuneo, Florence, La Spezia, Milan, Modena, Monza, Padua, Perugia, Rome, Turin and Treviso. Similar solutions are also available in Intesa Sanpaolo Bank Romania, Intesa Sanpaolo Bank (Slovenia) and CIB Bank (Hungary) with bicycles owned by the bank. In addition, in Privedna Banka Zagreb (Croatia) and CIB Bank (Hungary), employees can benefit from special parking lots and services (changing rooms and showers) and the application of discounts on the purchase of bicycles and accessories. Finally, VÚB Banka (Slovakia), for the fifth consecutive year, participated in the Cycle to Work campaign whose objective is to stimulate the use of bicycles as a means of transport to reach the workplace
  • company shuttle service available in Turin/Moncalieri, Milan/Assago, Padua, which has a positive impact on the environment (an estimated 397 tonnes of CO2 avoided) as well as on people’s quality of life;
  • in Italy an agreement has been signed on territorial and professional mobility that helps the rapprochement with the residence or home of colleagues who work in distant locations and with particular personal needs
  • concerning Corporate Mobility in Italy and abroad continues the constant supervision of the data relating to the reporting model of the indicators of environmental sustainability, detailed by type of carrier (trains, planes, company fleet and personal car for business travel)
  • management of the company fleet through precise selection criteria and principles of use that promote environmentally friendly use. With this in mind, the company fleet renewal process continues with the replacement of euro 6 vehicles
  • diffusion of work and flexible training, that combine in an innovative way the management of the private life with the organizational needs
Online services and informations

Through the corporate intranet, the Intesa Sanpaolo employees can access, directly from their workstation, information and services on sustainable mobility, such as public transport season-tickets, company car pooling and sharing services, these latter available on the website of the Intesa Sanpaolo Workers Association (ALI).
Moreover, the use of remote communication developed both for listening activities (web focus group for internal communication managed online) and for work with the progressive increase in the use of Skype for Business is increasingly widespread (messaging instantaneous, voice over IP or online meetings) in place of business trips / trips.

Water

Among its aims the Intesa Sanpaolo Group includes the responsible use of water on all its premises. In order to minimize the demand for drinking water, and in consideration of the fact that the water is only used for hygienic purposes, the Intesa Sanpaolo Group has installed water reduction systems in its Branches.

What we are doing to reduce water consumption

Our “Rules for the setting up of sustainable branches” establish that, when creating new branches or refurbishing existing ones, toilets must be equipped with dual flush button cisterns. Furthermore, the toilet-cistern must be of the  low water  consumption type such as to discharge a quantity of water not exceeding 4,5 liters for partial discharge and 6 liters for complete discharge.

Biodiversity

The Intesa Sanpaolo Group has always been committed to biodiversity protection, believing it is one of the most important aspects for the preservation of the planet and its treasures.

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