Sustainability Report 2012 - Generali Versicherung AG

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www.generali.comContaCTSAssicurazioni Generali S.p.A.P.zza Duca degli Abruzzi 2 - 34132 Trieste, ItalyCorporate Social Responsibility andGroup Sustainability ReportTel. +39 040 671060csr@generali.comHead: Marina DonatiMedia RelationsTel. +39 040 671085Fax + 39 040 671127press@generali.comHead: Giulio BenedettiInvestor RelationsTel. +39 040 671402Fax + 39 040 671338Generali_ir@generali.comHead: Spencer Horgan20 | Assicurazioni Generali - Sustainability Report 2012
IndexTHE GROUP 24Mission, vision, values and competencies 26Corporate Governance 27Sustainability development bodies 29Engagement 30Strategy 30Policies and management tools 31Material issues 35Innovation 35Communication 36Human rights 36Corruption 37Adhesion to external voluntary initiatives 40Stakeholder map 41EMPLOYEES 44Employee policies 45Selection, recruitment, talent retention 46Remuneration, incentives, assessment 48Diversity and inclusion 50Work life balance 52Training 53Health and safety in the workplace 55Union relations andtransnational social dialogue 55Human rights 56Size and characteristics of the workforce 59Labour disputes 65Engagement of employees 66SALES FORCE 68Sales policy 69Operating management ofthe sales networks 70Size and characteristics of the sales force 71Insurance company sales networks 71Bank sales networks 73Dialogue with sales force 74Surveys and other forms of dialogue 74FINANCIAL COMMUNITY 76Shareholders policies 77Size and characteristicsof the shareholders 78Financial and sustainability performance 79Engagement of analysts and investors 81CLIENTS 84Client policies 85Product policies 86Products with particular social value 86Products with particular environmental value 88Socially responsible investment products 89Collaboration in the interest of consumers 89Service policies 90Customer centricity initiatives 93Innovation projects 93Engagement of clients 94Brand perception surveys 94Other survey activities 95Generali Group business sectors 97Insurance business 97Banking business 103SUPPLIERS 104Supplier policy 105Purchasing management 106Size and characteristics of suppliers 108Dialogue with suppliers 108COMMUNITY 110Community policy 111Guidelines for community initiatives 112The 2012 figures 113The 2012 initiatives 115Social area 115Cultural area 116Environmental area 117Sports area 118ENVIRONMENT AND CLIMATE CHANGE 120Environmental Policy and EnvironmentalManagement System 121Direct environmental impact 124Energy 124Paper 128Water 130Waste 131Mobility 133Climate change risks and opportunities 135Greenhouse gas emissions 136Expenditures and investments forenvironmental protection 138Education, awareness and dialoguewith stakeholders 138Environmental ranking 140Indirect environmental impact 140CONTENT INDEX 142GRI content index - GRI 3.1 guidelines - ClobalCompact principles 144Index | 21
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 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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Sustainability Report 2012 - Generali Versicherung AG

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