banner video sostenibilità 2022

Leggi Bilancio 2

Sustainability Report 2022

Consolidated Non-financial Statement

Bilancio di Sostenibilità - Lettera del Presidente e dell'AD

Bilancio di sostenibilità 2022 - Lettera agli stakeholder

The image we have chosen for the cover of our Sustainability Report this year is the most representative it has ever been. It is a naturalistic photograph that is part of the collection of works with which we have enhanced the spaces of "Diamantino", the BPER Group's new Milanese headquarters located in the city's Business District. An image that enhances the beauty of natural elements and is intended to emphasise the attention we pay to sustainability issues, which go hand in hand with the Group's economic and dimensional growth.

We successfully completed the integration of the Carige Group in 2022 and launched the new Business Plan for the four-year period 2022-2025. The Plan identifies ambitious and concrete actions in the ESG sphere that we are integrating into all lines of action (ESG Infusion); we have defined precise objectives in terms of reducing environmental impacts and supporting customers in the ecological transition, which we will monitor on an ongoing basis. We have paid special attention to inclusion, diversity management and the weakest fringes of the country in the Plan, with the aim of creating shared value for the benefit of all stakeholders.

The upgrade by two major international rating agencies recognises the efforts we have made in the ESG area and the correctness of the choices made, and confirms that we are moving in the right direction as a Group. This journey began with the application, as early as 2017, of the Ten Principles of the UN Global Compact, continued in 2021 with the adherence to the UN Principles for Responsible Banking and, in 2022 to the Net-Zero Banking Alliance, the UNsponsored alliance that mobilises banks around the world in their commitment to align their credit and investment portfolios with the goal of zero emissions by 2050. However, we cannot deny the complexity of the current period: the difficult macroeconomic framework, the Russian-Ukrainian conflict and the aftermath of the pandemic period are exacerbating the effects of the climate crisis and economic and social inequalities.

In addition to the strong and growing market focus on ESG issues, there has been a regulatory push from Europe that has brought sustainability issues to become mainstream in the financial and corporate spheres as well. What is the role of the banking system in this context? The consequences of ESG risks arising from climate change, the consumption of increasingly scarce resources, environmental degradation and social inequalities affect the financial system even beyond the ethical aspect, as they cause significant economic losses. This is why both the EBA and the ECB have taken up the EU mandate for the banking sector to become the driving force and provide the financial support for the green transition, while at the same time capitalising on the extraordinary opportunities arising. There are many inherent difficulties in this process, first and foremost the need to find timely and consistent data on customers' ESG performance, especially small and medium-sized ones, in order to intercept public funds and financing at a lower cost. With this in mind, the BPER Group is further expanding its ESG commercial offer while considering the needs of companies: we want to be a strategic and stable partner for companies, identifying useful, concrete and efficient solutions, also in combination with the facilitated instruments provided by the National Recovery and Resilience Plan (NRRP).

We would once again like to take this opportunity to thank all Group employees who have made it possible to achieve all our challenging ESG targets, clearly reported in this Sustainability Report.

Enjoy the Report
Flavia Mazzarella
Piero Luigi Montani
Chief Executive Officer

Report Principles for Responsible Banking

Report Principles for Responsible Banking

The Report Principles for Responsible Banking (PRB) presents the commitments made by the Group to contribute to the achievement of the United Nations Sustainable Development Goals. Thanks to this clear and transparent information, the Institute highlights the initiatives implemented to promote more responsible and sustainable banking activity, as well as to assess and manage environmental, social, and governance risks.


Read Report PRB->

Report TCFD 2022

TCFD Report 2022

The TCFD Report (Task Force on Climate-Related Financial Disclosures) provides a detailed overview of the strategies and actions taken by the BPER Group to manage the risks and seize the opportunities related to climate change. Through the disclosure of clear and transparent information, this Report allows our stakeholders to better understand how the Bank is integrating sustainability into its decisions and activities.


Read the TCFD Report ->

documenti bilancio sostenibilita