UBI Banca Group

meetings with representatives of both Church and non-Church organisations to learn their
characteristics and specific requirements;
the conclusion of the partnership with PerMicro to develop micro-credit for social inclusion
and to support employment;
the conclusion of the pilot project with a range of services designed for immigrants, which
allowed the Group to assess important features of the service to use as tool with a view to
social inclusion and enhancement of this group within the context of the various segments
of the retail market;
participation, together with the leading banking groups in Italy, in the working round table
“Science for Peace”, organised by the Veronesi Foundation to draw up a “Code of
responsibility for finance to the arms industry”, consistent with the orientation of the Group
since 2007, when it set its policy for transactions with counterparties operating in the arms
and materials for armaments sectors.
SOCIAL INTERVENTION
The management of social intervention is designed to strengthen and support those large
numbers of nonprofit organisations which work in the following fields: social, recreational and
sport; welfare and solidarity; education and training; culture: university and research;
restoration of artistic heritage and the protection of the environment.
In 2011 the Group, with contributions from the Parent, the network banks, the main product
companies and its foundations, disbursed a total of approximately €15 million (-7.4%
compared to 2010), in the form of donations and sponsorships. Each entity in the Group
operates independently in response to the demands it encounters and considers consistent
with its own values and social responsibility objectives.
While the Social Report furnishes a full and complete view of the activity performed during the
year, one of the most important longstanding partnerships is that with CESVI (one of the main
Italian NGOs operating in the field of humanitarian emergencies throughout the world) as part
of which UBI Banca supported the initiative “CESVI sUBIto for the Horn of Africa” in 2011 for
people in Somalia hit by famine. UBI Banca made its Group branches available to receive
donations from customers, which successfully reached the ceiling of a total of €100 thousand
(including €40 thousand from the private banking sector).
ENVIRONMENTAL RESPONSIBILITY
In addition to its pursuit of full and substantial compliance with regulations in force, it is
Group policy to contribute to sustainable economic development, thereby also concretely
implementing the principles of the Global Compact.
The environmental policy approved in December 2008 commits the Group to reducing its
environmental impact through the intelligent and responsible management of both direct
impacts (i.e. impacts generated by its own operating activities through the consumption of
resources, the production of waste and harmful emissions) and also indirect impacts (i.e.
impacts generated by the conduct of third parties with whom the Bank does business, such as
its customers and suppliers). The Group Energy Manager and Mobility Manager, appointed
within the UBI Sistemi e Servizi Real Estate Department and the Human Resources Area of the
Parent respectively, are the main protagonists assigned the role of promoting and supporting
the implementation of policy through targeted initiatives, in co-operation with the Group
Corporate Social Responsibility Function of the Group.
With regard to direct impacts, in 2011 the Group yet again made exclusive use of electricity
certified as from renewable sources (RECS certificates) and for the first year 184,099 kWh of
energy was generated by the photovoltaic plant installed at Jesi. This made it possible to
reduce total CO 2 emissions by 63.1% in the last three years. The largest consumption
amounted to 746,879 GJ of electricity (-5.7% in the last three years) and 2,000,705 kg of
paper (-2.3% compared to 2010). Waste production remained almost unchanged (+0.4% for a
total of 2,161 tons).
As concerns indirect impacts, the Group has been active for some time in its commercial
activities with “green” products, and that is credit lines provided for investments in energy
savings and in the diversification of energy sources, with particular attention given to
renewable sources or those with a low environmental impact, the volumes of which are
reported in the preceding section “Commercial activity”.
During 2011, loans granted amounted altogether to € 736 million.
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