PaperPaper consumption35302520151050-11.4%30,52427,040-10.6%-6.7%16,24614,5319.6%20.8%-25.7%10,110 9,4314,314 5,2125,741 6,293 5,6144,170ITALY AUSTRIA FRANCE GERMANY SPAIN SWITZERLAND2011 <strong>2012</strong>TOTAL 72,550 66,677 CHANGE <strong>2012</strong>/2011 -8.1% CHANGE <strong>2012</strong>/2009 -7.6%Paper is still the main material used in insurance and financialactivities. For this reason the Group set itself the goal of reducingDistribution of paperits overall consumption of both white paper and printed paper,consumptioni.e. paper purchased from suppliers in order to print Groupdocuments and publications such as policies, statements,studies, reports etc..34.9The objective of reducing the overall consumption of paper by 5%■ white paperduring the 2010-<strong>2012</strong> three-year period was achieved thanks tothe various initiatives launched in all countries, which also resultedin estimated financial savings of around 5 million euros. More %specifically, the good results achieved in Italy and Switzerland canbe attributed to the reduction in the number of personal printers 65.1and the replacement of the paper communications sent to■ printed papercustomers and sales networks with electronic communications.The substantial increase in consumption recorded in Austria in<strong>2012</strong> compared with 2011 is to be regarded as exceptional as it stemmed from the obsolescence of a series of documents connectedwith the introduction of a new European regulation and the inclusion of Austrian real estate companies in <strong>Generali</strong> Real Estate S.p.A..In all countries it has become standard practice to print on both sides of the paper, to replace individual photocopiers/printers and fax machines with multifunctional machines or centralised printers for the office/floor, and to reduce internalpaper-based correspondence. In many agencies policies are only printed when taken out, with the elimination of preprintedforms, and policy conditions are available on the websites. In addition, for communications between companies,agencies and customers attempts are being made in all countries to switch to alternative systems to paper, such as e-mailand text message; however, it is important to remember that in the insurance-banking industry many communications mustbe paper-based by law.Assicurazioni Verband Deutscher <strong>Generali</strong> Naturparke, - <strong>Sustainability</strong> Germany <strong>Report</strong> <strong>2012</strong>
Ecological paper quota (%)100806040200124.575.288.4100 100 100 100 97.8 98.2 98.393.7ITALY AUSTRIA FRANCE GERMANY SPAIN SWITZERLANDTOTAL1.5 7.3 83.3 83.62009 2010 2011 <strong>2012</strong>37.7% 47.5% 85.6% 90.8%97.5100 100 100 100 100 10089.8The Group is also committed to increasing the amount of ecological paper as a proportion of total paper consumption, which in <strong>2012</strong>came to 90.8%. Ecological paper means paper that has a limited and controlled impact on the environment in all of its processes,from forest management for the retrieval of the raw materials to production. Currently, 100% of the paper purchased in Austria, Spainand Switzerland is certified as ecological as it satisfies the criteria established by national and international certification systems suchas European Ecolabel, Der Blaue Engel (German blue angel), the FSC (Forest Stewardship Council) and the PEFC (Programme forEndorsement of Forest Certification).Paper with a lower than normal unit weight, equal to 75 g/m 2 , is used in all countries, with additional savings in terms of the naturalresources employed even if the current consumption rate in terms of sheets of paper remains the same.As well as ecological paper, the Group companies also use a small quantity of recycled paper, equal to 6.9%.As well as ecological paper, the companies in all of the EMScountries are also committed to purchasing stationery andtoner with low environmental impact. Indeed, many countrieshave a catalogue of ‘green’ products which includes, forexample, solvent-free pens with water-based ink, pencilsmade with wood from sustainably managed forests, andtoner produced with recycled and/or regenerated materials.In <strong>2012</strong>, the companies in the System bought 464 quintals oftoner cartridges (-28.5% compared to 2011), of which 39.7%were regenerated and 12.5% recycled. In this context, thenetwork of Alleanza Toro agencies in Italy is equipped withEcoBoxes, containers provided directly by the toner supplierwho manages the delivery and collection of the boxes and therefilling of the cartridges.Initiatives to reduce paper consumption in <strong>2012</strong>CountryItaly, Austria, France,Germany, Switzerland,SpainItaly, Austria, France,Germany, SwitzerlandItaly, Austria, France,Germany, SwitzerlandItalyAustriaType of initiativeAs well as reducing paper and electricity consumption, the replacement of individualphotocopiers, printers and fax machines with multifunctional machines or centralised printersfor the office/floor makes it possible to streamline workplaces, improve service levels, andreduce IT waste.As well as eliminating the use of paper, replacing the paper communications sent to customersand sales networks with electronic communications (e-mail, text message) makes it possible tokeep in constant contact with clients.The electronic storage and digitalisation of documents is increasingly widespread with benefits interms of both the accessibility and the security and confidentiality of the documents. Thanks toelectronic archiving, over 14 million sheets of paper were saved in <strong>2012</strong>.Since <strong>2012</strong> members of the Assicurazioni <strong>Generali</strong> Board of Directors have only receiveddocuments in electronic format to be read on tablets. In January 2013 the newspaper projectwas launched, which involves a subscription to the online edition of the Sole24Ore newspaper.There was also a switch from paper lunch vouchers to electronic lunch vouchers which, as wellas eliminating the use of paper, also has positive effects on emissions as the vouchers are nolonger physically distributed to the various sites.Some workstations were equipped with two monitors to reduce the need to print documents;in addition, fabric towels are used instead of paper towels in the bathrooms, which alsoreduces the amount of waste produced.The majority of the measures described above have had positive effects on paper consumption as well as toner andenergy consumption. This reduction in consumption can be added to the reduction resulting from changes already madeor ongoing with regard to the Group’s real estate assets.ENVIRONMENT AND CLIMATE CHANGE | 129
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Sustainability Report 2012A complet
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Chairman and Group CEOletter to the
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sustainability context and complete
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FRANCEE-Cie Vie S.A.Europ Assistanc
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at a glanceEMPLOYEESEmployee polici
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at a glanceFINANCIALCOMMUNITYIn a y
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at a glanceSUPPLIERSThe Generali Gr
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at a glanceENVIRONMENT ANDCLIMATE C
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IndexTHE GROUP 24Mission, vision, v
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thE group79,454employees69.6billion
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MISSION, VISION, VALUES AND COMPETE
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CORPORATE BODIESBoard ofStatutoryAu
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EngagementDuring the hearing before
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The Code includes the introduction
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In Italy, the Group Anti-money Laun
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In order to make innovation an inte
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The Generali Group is committed to
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ADHESION TO EXTERNALVOLUNTARY INITI
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STAKEHOLDERsPrague - Czech Republic
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Human resources arethe Group’s fu
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mobility, coaching programmes and p
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Reliability. In addition, the sloga
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In Italy and France, when returning
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normally have the option, often gua
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HEALTH AND SAFETY IN THEWORKPLACETh
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Emirates, the Philippines, Guatemal
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SIZE AND CHARACTERISTICS OF THE WOR
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On average, a third (33.4%) of posi
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Workforce by age bracket2011 2012 2
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Labour disputesNumber and value of
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To foster greater staff involvement
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Committedto innovation anddiversifi
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SIZE AND CHARACTERISTICS OFTHE SALE
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DIRECT CHANNELS, with no intermedia
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Satisfaction surveys on services pr
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- Page 83 and 84: RatingRating agencyRating*A.M.BestA
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- Page 90 and 91: Products with particular environmen
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- 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
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- Page 112 and 113: COMMUNITYOld-Aged Survey, Germania1
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- 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 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
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- Page 142 and 143: ENVIRONMENTAL RANKINGGenerali’s a
- Page 145 and 146: CONTENTINDEXParis - France
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