Non-Financial Information

The following table shows the links between the GRI standard and Legislative Decree No. 254 of 30/12/2016 implementing Directive 2014/95/EU of the European Parliament and of the Council of 22/10/2014 for the disclosure of non-financial information and diversity information. It also highlights that the Unipol Group’s policies and actions contribute to Sustainable Development Goals. This mapping shows that the Unipol Group’s current policies and actions address almost all of the 17 goals.

The UnipolToBe Strategic Plan plays an important role in dealing with many of the SDGs and the actions that contribute to the achievement of SDGs depend on tools and responsibilities that are most often transversal to Group companies and business units.

The above issues are therefore reported in the Group’s Annual Integrated Report, in accordance with Guidelines of the International <IR> Framework and in compliance with current regulations.

The scope of reporting of non-financial information, in line with what is required by Decree 254/2016, coincides with that of the Consolidated Financial Statements, i.e., it includes the companies consolidated line-by-line for financial reporting at 31 December 2018.

Non-financial performance indicators were defined by using the “Sustainability Reporting Standards” issued by the Global Reporting Initiative (GRI).

Table of contents of Non-Financial Information

Issue indicated in Italian Legislative Decree 254/2016 Italian Legislative Decree 254/2016 Page reference in the Annual Integrated ReportGRI AspectSDG
Material topics Art. 3, par. 1  P. 16-17: “Annual integrated report preparation criteria and methods” - “Material topics”
P. 61-64: “Future orientation in the use of capital”
GENERAL DISCLOSURES: Identified Material Aspects and Boundaries.   
Organisation and management model Art. 3, par. 1a P. 18-19: “Group highlights”
P. 43-44: “The Unipol Group” - “Activities and sectors”
P. 45-50: “Identity profile”  P. 65-77: “Governance” - “Corporate Governance” - “Internal control and risk management system”
P. 82-84: “Business model” - “Insurance” and “Banking”
GENERAL DISCLOSURES: Organizational profile; Strategy and Analysis.   
Business policies, results, indicators Art. 3, par. 1b P. 8-9: “Letter from the Chairman and Letter from the Chief Executive Officer”
P. 61-64: “Future orientation in the use of capital”
P. 67-77: “Governance”  - “Internal control and risk management system”
P. 26-27: ”The  Creation of Value”
P. 82-84: “Business model” - “Insurance” and “Banking”
P. 36-39: “The impacts generated by the Unipol Group” - “Equity in the distribution of the value created”
P. 40: “The impacts generated by the Unipol Group” - “Support and promotion of sustainable companies through
investment decisions”
P. 34-35: “The impacts generated by the Unipol Group” - “Satisfaction of security and social well-being requirements”
GENERAL DISCLOSURES: Strategy and Analysis; Governance. 
ECONOMIC: Economic Performance; Indirect Economic Impacts. 
SECTOR SPECIFIC ASPECT - SOCIETY: Product Portfolio; Active Ownership; Local Communities. 
SOCIAL - PRODUCT RESPONSIBILITY: Product and Service Labelling.


1. No proverty
3. Good health
8. Good employment and economic growth
9. Innovation and infrastructure
12. Responsible use of resources
17. Partnerships for sustainable development

Main risks Art. 3, par. 1c P. 16-17: “Annual integrated report preparation criteria and methods” - “Material topics”
P. 61-64: “Future orientation in the use of capital”
P. 67-77: “Governance”  - “Internal control and risk management system”
GENERAL DISCLOSURES: Identified Material Aspects and Boundaries.  
Energy resources, water resources, emissions Art. 3, par. 2a
Art. 3, par. 2b
P. 40-42: “The impacts generated by the Unipol Group” - “Contribution to reducing the effects of climate change”
P. 64: “Future orientation in the use of capital” - “Climate change”


ENVIRONMENTAL: Energy; Emission; Water.  6. Clean water and sanitation services
7. Renewable and accessible energy
12. Sustainable production and consumption
13. Combating climate change

Impact on the environment, health and safety Art. 3, par. 2c
P. 37-38: “The impacts generated by the Unipol Group” - “Equity in the distribution of the value created” - “Suppliers”
P. 82-83: “Business model” - “Insurance”
P. 31: “Capital performance” - “Human capital” - “Mobility”
P. 40-42: “The impacts generated by the Unipol Group” - “Contribution to reducing the effects of climate change”
P. 40: “The impacts generated by the Unipol Group” - “Support and promotion of sustainable companies through investment decisions”
P. 64: “Future orientation in the use of capital” - “Climate change”
ECONOMIC: Economic Performance; Indirect Economic Impacts; Procurement Practices. 
ENVIRONMENTAL: Effluent and Waste; Environmental overall; Transport.  
11. Sustainable cities and communities
12. Sustainable production and consumption
Human Resource management and gender balance Art. 3, par. 2d P. 29-31: “Capital performance” - “Human capital”
P. 47-49: “Identity profile” - “Human resources”
P. 79-81: “Governance”  -  “Remuneration system and incentives”
SOCIAL - LABOR PRACTICES AND DECENT WORK: Employment; Labor/Management Relations; Training and Education; Diversity and Equal Opportunity; Equal Remuneration for Women and Man.   4. Quality education
5. Gender equality
8. Good employment and economic growth
Respect for human rights Art. 3, par. 2e P. 23-24: “Unipol Group Vision, Mission and Values”
P. 120: “Ethics Report”
P. 40: “The impacts generated by the Unipol Group” - “Support and promotion of sustainable companies through investment decisions”
P. 61: “Future orientation in the use of capital” - “Instability and Polarisation”
P. 37-38: “The impacts generated by the Unipol Group” - “Equity in the distribution of the value created” - “Suppliers”
GENERAL DISCLOSURES: Ethics and Integrity.  
SOCIAL - HUMAN RIGHTS: Investment; Non discrimination; Child Labour. 
8. Good employment and economic growth
12. Sustainable production and consumption
Fight against corruption Art. 3, par. 2f P. 23-24: “Unipol Group Vision, Mission and Values”
P. 67-77: “Governance”  -  “Internal Control and Risk Management System”
P. 82-84:  “Business model” - “Insurance” and “Banking” - “Complaints management”
SOCIAL - SOCIETY: Anti-corruption; Anti-corruption behaviour; Compliance. 
SOCIAL - PRODUCT RESPONSIBILITY: Marketing Communications; Customer Privacy; Compliance.
16. Peace and Justice
Reporting standard adopted Art. 3, par. 3, 4 and 5 P. 14-17: “Annual integrated report preparation criteria and methods” GENERAL DISCLOSURES: Report Profile; Stakeholder engagement. 
Diversity among members of the administration bodies  Art. 10, par. 1a P. 65-66: “Governance” - “Corporate Governance”
P. 79-81 “Governance”  -  “Remuneration system and incentives”
SOCIAL - LABOR PRACTICES AND DECENT WORK: Diversity and Equal Opportunity.  5. Gender equality