Sustainability Report 2012 - Generali Versicherung AG

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SR Area 2012ITALYAlleanza Toro S.p.A.Assicurazioni Generali S.p.A.DAS - Difesa Automobilistica Sinistri S.p.A.Europ Assistance Italia S.p.A.Europ Assistance Service S.p.A.Europ Assistance Vai S.p.A.Fata Assicurazioni Danni S.p.AGenerali Business Solutions S.c.p.A.Generali International Business Solutions - S.c.a.r.l.Generali Real Estate S.p.A.Generali Immobiliare Italia SGR S.p.A.Generali Investments Europe SGR S.p.A.Generali Investments S.p.A.Genertel S.p.A.Genertellife S.p.A.Gruppo Banca GeneraliINA Assitalia S.p.A.Simgenia S.p.A.Generali Thalìa Investments Italy SGR S.p.A.CESTAR – Centro Studi Auto Riparazioni S.c.r.l.Generali Properties S.p.A.AUSTRIAAllgemeine Immobilien-Verwaltungs GmbH & Co. KGBAWAG P.S.K. Versicherung AGCare Consult Versicherungsmakler GmbHEurop Assistance GmbHEuropäische Reiseversicherung AGGenerali Bank AGGenerali Capital Management GmbHGenerali Holding Vienna AGGenerali Immobilien GmbHGenerali IT-Solutions GmbHGenerali Leasing GmbHGenerali Sales Promotion GmbHGenerali Versicherung AGGenerali VIS Informatik GmbHGERMANYAachenMünchener Lebensversicherung AGAachenMünchener Versicherung AGAdvoCard Rechtsschutzversicherung AGAM Gesellschaft für betriebliche Altersversorgung mbHAM Vertriebsservice-Gesellschaft fürPersonenversicherungen mbHAM Vertriebsservice-GesellschaftSachversicherungen mbHATLAS Dienstleistungen für Vermögensberatung GmbHCentral Krankenversicherung AGCosmos Versicherung AGCosmos Lebensversicherungs AGDeutsche Bausparkasse Badenia AGDialog Lebensversicherungs AGENVIVAS Krankenversicherung AGEurop Assistance Services GmbHEurop Assistance Versicherung AGGenerali Deutschland Holding AGGenerali Deutschland Informatik Services GmbHGenerali Deutschland Pensor Pensionsfonds AGGenerali Deutschland Schadenmanagement GmbHGenerali Deutschland Services GmbHGenerali Deutschland SicherungsManagement GmbHGenerali Investments Deutschland GmbHGenerali Lebensversicherung AGGenerali Private Equity Investments GmbHGenerali Deutschland Pensionskasse AGGenerali Versicherung AGSchloss Bensberg Management GmbHVolksfürsorge AG Vertriebsgesellschaft fürVorsorge- und FinanzprodukteGenerali Beteiligungs GmbHGenerali Vermögensverwaltungs GmbH & Co. KG8 | Assicurazioni Generali - Sustainability Report 2012
FRANCEE-Cie Vie S.A.Europ Assistance France S.A.Europ Assistance Holding S.A.Generali France S.A.Generali IARD S.A.Generali Vie S.A.L'Equité S.A. Cie d'Assurances et Réass.contreles risques de toute natureSWITZERLANDBSI S.A.Europ Assistance (Suisse) S.A.Europ Assistance (Suisse) Assurances S.A.Europ Assistance (Suisse) Holding S.A.Fortuna Investment AGFortuna Investment AG, VaduzFortuna Lebens-Versicherung AG, VaduzFortuna Rechtsschutz-Versicherung-Gesellschaft AGGenerali (Schweiz) Holding AGGenerali Assurances GénéralesGenerali Personenversicherungen AGCZECH REPUBLICČeská Pojišt'ovna, a.s.Generali PPF Holding B.V.Generali Pojišt'ovna a.s.SPAINCajamar Seguros Generales, S.A. de Seguros y ReasegurosCajamar Vida S.A. de Seguros y ReasegurosCoris Gestión de Riesgos, S.L.Europ Assistance España S.A. de Seguros y ReasegurosEurop Assistance Servicios Integrales de Gestion, S.A.Generali España, S.A. de Seguros y ReasegurosGenerali España Holding de Entidades de Seguros S.A.Gensegur Agencia de Seguros S.A.Grupo Generali España Agrupación de Interés EconómicoHermes Sociedad Limitada de Servicios Inmobiliarios y GeneralesVitalicio Torre Cerdà S.l.SR Area 2012 | 9
Page 4 and 5: Sustainability Report 2012A complet
Page 6 and 7: Chairman and Group CEOletter to the
Page 9: sustainability context and complete
Page 14 and 15: at a glanceEMPLOYEESEmployee polici
Page 16 and 17: at a glanceFINANCIALCOMMUNITYIn a y
Page 18 and 19: at a glanceSUPPLIERSThe Generali Gr
Page 20: at a glanceENVIRONMENT ANDCLIMATE C
Page 23: IndexTHE GROUP 24Mission, vision, v
Page 26 and 27: thE group79,454employees69.6billion
Page 28 and 29: MISSION, VISION, VALUES AND COMPETE
Page 30 and 31: CORPORATE BODIESBoard ofStatutoryAu
Page 32 and 33: EngagementDuring the hearing before
Page 34 and 35: The Code includes the introduction
Page 36 and 37: In Italy, the Group Anti-money Laun
Page 38 and 39: In order to make innovation an inte
Page 40 and 41: The Generali Group is committed to
Page 42 and 43: ADHESION TO EXTERNALVOLUNTARY INITI
Page 45 and 46: STAKEHOLDERsPrague - Czech Republic
Page 47 and 48: Human resources arethe Group’s fu
Page 49 and 50: mobility, coaching programmes and p
Page 51 and 52: Reliability. In addition, the sloga
Page 53 and 54: In Italy and France, when returning
Page 55 and 56: normally have the option, often gua
Page 57 and 58: HEALTH AND SAFETY IN THEWORKPLACETh
Page 59 and 60: Emirates, the Philippines, Guatemal
Page 61 and 62:
SIZE AND CHARACTERISTICS OF THE WOR
Page 63 and 64:
On average, a third (33.4%) of posi
Page 65 and 66:
Workforce by age bracket2011 2012 2
Page 67 and 68:
Labour disputesNumber and value of
Page 69 and 70:
To foster greater staff involvement
Page 71 and 72:
Committedto innovation anddiversifi
Page 73 and 74:
SIZE AND CHARACTERISTICS OFTHE SALE
Page 75 and 76:
DIRECT CHANNELS, with no intermedia
Page 77 and 78:
Satisfaction surveys on services pr
Page 79 and 80:
Along with thecommitment to strengt
Page 81 and 82:
FINANCIAL AND SUSTAINABILITY PERFOR
Page 83 and 84:
RatingRating agencyRating*A.M.BestA
Page 85:
Main meetings with analysts and inv
Page 88 and 89:
PRODUCT POLICIESCustomer loyalty is
Page 90 and 91:
Products with particular environmen
Page 92 and 93:
Over the last few years, various ro
Page 94 and 95:
• fill out questionnaires with a
Page 96 and 97:
of pre-packaged solutions. As part
Page 98 and 99:
Surveys on servicesGERMANYOnline su
Page 100 and 101:
Percentage of clients by age bracke
Page 102 and 103:
Change in number of claims2009-2012
Page 104 and 105:
Change in numberof complaints recei
Page 106 and 107:
SUPPLIERSKarolinen Karee, Munich, G
Page 108 and 109:
Relationships with contractual part
Page 110 and 111:
SIZE AND CHARACTERISTICSOF SUPPLIER
Page 112 and 113:
COMMUNITYOld-Aged Survey, Germania1
Page 114 and 115:
GUIDELINES FOR COMMUNITYINITIATIVES
Page 116 and 117:
For example, in 2012 the Generali E
Page 118 and 119:
Cultural areaWith a view to promoti
Page 120 and 121:
Sports areaGenerali regards sport a
Page 122 and 123:
ENVIRONMENT ANDCLIMATE CHANGEOilsee
Page 124 and 125:
In order to pursue the abovemention
Page 126 and 127:
DIRECT ENVIRONMENTAL IMPACTThe data
Page 128 and 129:
Electricity quota from renewable so
Page 130 and 131:
PaperPaper consumption3530252015105
Page 132 and 133:
WaterWater consumption (m 3 )-0.4%3
Page 134 and 135:
In all countries, IT waste, compris
Page 136 and 137:
Flight kilometres travelled by empl
Page 138 and 139:
The increase in exposure to climate
Page 140 and 141:
EXPENDITURES AND INVESTMENTSFOR ENV
Page 142 and 143:
ENVIRONMENTAL RANKINGGenerali’s a
Page 145 and 146:
CONTENTINDEXParis - France
Page 147 and 148:
REPORTEDGLOBALCOMPACTPRINCIPLESCROS
Page 149 and 150:
GLOBALREPORTED COMPACTPRINCIPLESful
Page 151 and 152:
REPORTEDGLOBALCOMPACTPRINCIPLESCROS
Page 153:
GLOBALREPORTED COMPACTCROSS-REFEREN
Page 156 and 157:
GRIINDICATORSDESCRIPTIONASPECT: Div
Page 158 and 159:
GRIINDICATORSDESCRIPTIONSOCIETYDisc
Page 160 and 161:
GRIINDICATORSDESCRIPTIONASPECT: Pub
Page 162 and 163:
GRIINDICATORSDESCRIPTIONASPECT: Cus
Page 164 and 165:
GRIINDICATORSFS3. CoreDESCRIPTIONPr
Page 168:
Co-ordination:Corporate Social Resp
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