EXPENDITURES AND INVESTMENTSFOR ENVIRONMENTAL PROTECTIONAs part of its commitment to environmental protection, theGroup invests in new technologies, education, awarenessand prevention initiatives and in mobility management, andaims to enter into agreements with suppliers and partnerswhich can reduce environmental impacts and risks.In <strong>2012</strong>, the expense for environmental management andprotection amounted to 21 million euros, mainly attributableto the installation of cleaner technologies (tri-generationplant, LED lighting, etc.), training for the employees directlyinvolved in the environmental management, external services(technical consulting for energy and water diagnoses,and those relating to waste management, etc.), greenpurchases and other costs (purchase and implementationof new software to manage environmental accounting, etc.).Approximately 155 thousand euros has been spent on wastedisposal, emissions treatment and the purchase and use ofcertificates to offset greenhouse gas emissions.EDUCATION, AWARENESS ANDDIALOGUE WITH STAKEHOLDERSAs it is felt that education is a fundamental elementin furthering eco-sustainable behaviour, the Grouppromotes numerous education, awareness andstakeholder dialogue initiatives on environmental issues,directed at both its employees, through various kindsof programmes and schemes, and at its customersand the general public, through awareness campaigns,conferences on the subject, guides and informationbooklets giving useful advice and suggestions.Specifically, documents, guidelines and informationabout current social and environmental initiatives areprovided on the majority of company intranets. Thereare also posters or brochures in public areas designedto make workers aware of respecting the environment,saving energy, reducing the consumption of paper andwater, and separate waste collection aimed at reusingand recycling natural resources.There is the tendency everywhere to provide an increasingnumber training courses via e-learning, which has a dualbenefit for the environment: decreasing the consumptionof paper linked to the distribution of hard copies andsaving CO 2emissions by reducing journeys.Events and meetings with the community are alsoorganised, in order to communicate and find out people’sopinions.Wind farm, Port St Louis du Rhone, France138 | Assicurazioni <strong>Generali</strong> - <strong>Sustainability</strong> <strong>Report</strong> <strong>2012</strong>
FrancE<strong>Generali</strong> and Agence de l’Environnement etde la Maîtrise de l’Énergie (ADEME), alongwith the science magazine La Recherchepromoted the eight annual contest forstudents - Génération DéveloppementDurable, with the theme Inventer le mondede demain (Invent Tomorrow’s World), whichhad Jean-Louis Étienne, a famous doctor andexplorer, as its spokesperson. The goal ofthe competition was to launch and promoteinitiatives, ideas and projects on issues suchas biodiversity, the climate, energy, wastetreatment, transport, etc. The prize-winningideas included a photovoltaic beach umbrella,which generates enough energy to rechargesmall electronic devices.GERMANYIn order to further promote the integration ofsustainable development in corporate processes,the German group joined the VfU - Verein fürUmweltmanagement und Nachhaltigkeit inFinanzinstituten e.V. (association for environmentalmanagement and sustainability in financialinstitutions). The purpose of the association is toact as a forum for the exchange of opinions andinformation to create new strategies and toolsfor sustainable development. The VfU organisesmeetings with experts on specific subjectsand discloses the results through seminars,conferences and publications, making themavailable not only to members of the association,but also to other external parties.In November, <strong>Generali</strong> Deutschland Group, alongwith VfU and UNEP FI, organised the conventionMainstreaming <strong>Sustainability</strong>. <strong>Sustainability</strong>in the Core Business of Financial Institutions,near Cologne. More than 150 experts in bankingand insurance who are involved in environmentalprojects participated in the event and discussedissues for two days, dialoguing on cultural changesand sustainability in the financial sector.SWITZERLANDBSI, through the Gamma Foundation, organised the conference The Creationof Shared Value: <strong>Sustainability</strong> and Finance in Venice, which was attended bysome of the leading players in the field of ethical investments. Prestigious speakersincluded the two Nobel Prize winners - Nobel Prize in Physics Carlo Rubbia andNobel Prize in Economics Jeremy Rifkin. Specifically, Prof. Rubbia’s presentation,Energies for a Sustainable Future covered the problems of climate change and newtechnologies to mitigate its effects, both existing and to be implemented in future,particularly focusing on renewable sources.ITALYFrom November 2011 to March <strong>2012</strong>, 5 Tappe per l’ambiente (5 Steps for the Environment) initiative was held, to inform andanalyse several environmental subjects, targeted to employees of the Italian companies. This was a travelling project, whichstopped in the 5 main cities where the Group operates (Trieste, Mogliano Veneto, Milan, Turin and Rome). The initiative took theform of two meetings, focused on the issues “Energy, Water and Waste” and “Mobility and Paper”, respectively. The purposeof the project was to raise awareness among Group employees on environmental subjects and make them aware that theirbehaviours - at work, as well as in their daily lives, - have an impact on the environment.A training course in e-learning mode was also associated with the initiative, to reach the employees that were unable toparticipate in person.University professors, institutional representatives and Group suppliers were also invited to participate in this initiative, givingthem the opportunity to provide their own contributions to the subjects discussed and express their opinions on <strong>Generali</strong>’sapproach and actions implemented in relation to various environmental issues.ENVIRONMENT AND CLIMATE CHANGE | 139
- Page 4 and 5:
Sustainability Report 2012A complet
- Page 6 and 7:
Chairman and Group CEOletter to the
- Page 9 and 10:
sustainability context and complete
- Page 11:
FRANCEE-Cie Vie S.A.Europ Assistanc
- 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 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