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Social Responsibility    Environment

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Last update on 18/04/2018 09:58:47







We observe the principles of the Global Compact on the environment and adopt a preventative and proactive approach to environmental issues, by following the guidelines set in our 2008 policy as part of our social responsibility with regard to society and the local communities in which it operates.


We seek to progressively reduce the impacts of our activities on the natural environment through the following: rational use of resources and the elimination of waste; the use of energy produced from renewable sources and/or low or zero level emissions; the reduction of the quantities of waste produced and verification that it is properly treated; the use of products and services with a low environmental impact.


We also consider the results we can achieve by raising the environmental awareness of our personnel and all those with whom we do business, especially through our dedicated  financial products and services and through consideration of the environmental risks involved in financing transactions and project finance transactions in particular.


DIRECT IMPACTS                               2016               2015                2014

Energy consumption within the organization (GJ)







Electricity from renewable sources (%)







Emissions scope1 and scope2 (Ton CO2e)







Paper consumption* (Ton)




Waste products (Ton)




* The 2015 and 2016 consumptions are not comparable with those of 2014 to the effect of the widening of the scope of reporting to new types of consumption and additional external printing company.

Energy and emissions

The optimisation of energy supplies and consumption is a priority and it is overseen by the Group Energy Manager who, in addition to managing energy supply contracts (electricity, methane, gas oil, etc.), makes recommendations to the different organisational units responsible on the rational and efficient use of energy sources.

Raw materials

The main raw material used is paper. The Group is continuing with its commitment to increase the use of paper with a low environmental impact, both because it originates from responsibly managed forests and because of the manufacturing processes, and also to optimise its consumption with activities such as:

  • configuration of printer settings to print both sides of sheets;

  • remote monitoring of printers;

  • dematerialization of documents;

  • development and popularity of consultation and payment services provided through digital innovation.

Sustainable mobility

The Group has a number of large business centres consisting of the headquarters of the Parent, the network banks and the product companies on which problems of sustainable mobility and initiatives to solve them are concentrated. We reduce emissions of CO2 with:

  • a policy for travel, which favors and encourages the use of collective means of transport for corporate travels; 

  • a coach shuttle service runs between Bergamo, Varese, Brescia and Milan (and actually within the city for the latter);

  • an increase in video conference meetings to limit, as much as possible, the physical transfers;

  • the continuation of the smart working project, launched in 2015; it allows employees to work from their own homes or at Group locations closer to where they live, contributing not only to reconcile personal and work dimensions of life, but also to reduce travel to-and-from work.