Non-financial statement

In the Non-Financial Statement we report on what we do to create shared value. We are committed to transparency towards all Stakeholders and to promoting awareness of the daily path of building a model of sustainable development.

NFS 2022
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Prepared in accordance with the Global Reporting Initiative Sustainability Reporting Standards, the NFS outlines our objectives and achievements according to three pillars:

  • Ifis 4 Integrity: ethics and integrity in business management;
  • Ifis 4 Sustainable Business: focus on ESG issues in business activities;
  • Ifis 4 People: care for our people and the local community.

Ifis 4 Integrity

We are committed to developing and spreading the business values and culture, both internally and externally, and pursuing the fight against corruption with integrity.

What does Integrity mean for us?

Corporate integrity and anti-corruption

These are ensured by our policies and procedures laid down in the Organisation, Management and Control Model pursuant to Legislative Decree 231/01 updated in 2022.

Anti-Money Laundering and anti-terrorism

We actively collaborate with the Supervisory Authorities to prevent the money laundering risk.

Management of whistleblowing reports

We actively manage whistleblowing as part of our Group Policy.

Quality and transparency of products and services

We are committed to offering our customers quality products and services in line with market needs and in a professional, honest and transparent manner.

Data protection

We protect the data of customers, employees and suppliers with the prevention and timely management of cyber security incidents.

Relations with the supply chain

We manage our relations with suppliers according to the principles of harmony, transparency and respect for responsible and ethical behaviour.

Results in 2022

These are our main achievements in 2022 with regard to ethics and integrity in business management.

Corruption & Bribery cases

0 cases of corruption or lawsuits.

2,449.5 hours of training in anti-corruption.

Anti-competitive practices

0 lawsuits regarding anti-competitive behaviour or violation of antitrust laws.

Anti-Money Laundering (AML)

51.5 hours of training for 742 employees.

Whistleblowing

In 2022, no reports were received through the whistleblowing system.

Supply chain

Verification and monitoring activities by the Operational and Reputational Risks Unit.

Cybersecurity

Internal Cybersecurity Awareness Campaigns.

The projects we carry out to build sustainable development in relation to ethics and integrity.

Download the chapter of the NFS and learn more about our commitment to Ifis 4 Integrity.

Ifis 4 Integrity

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Ifis 4 Sustainable Business

The customer is at the heart of all our activities. Through our business model, we work to support entrepreneurship and improve the financial inclusion of people.

What does it mean to put our customers first and foremost?

Support for SMEs and financial inclusion

We support businesses and families with dedicated financial services and instruments.

Sustainable finance and climate change

We are committed to achieving net zero emissions by 2050 in accordance with the NZBA targets.

Digital innovation

Digital sales channels, improvement of the user experience and the rationalisation of processes are the goals of our digitalisation strategy.

Direct environmental impacts

We reduce our environmental impact through a series of projects devised to promote reduction emission target associated with company activities.

Results in 2022

These are our main achievements in 2022 with regard to customer-centricity.

Partnership with BEI

100 million euro made available to SMEs to invest in new projects for sustainable transition

Emissions

-813 tons of CO2 estimated thanks to the supply of 100% cleaner sources of energy for the buildings of Banca Ifis.

Green redevelopment of the premises

New premises in Via Borghetto in Milan, certified LEED Gold.

NZBA targets for 2030

Leasing of motor vehicles: 85 gCO2e/km

Leasing of trucks: 37 gCO2e/tkm

Automotive Manufacturers and Distributors: 85 gCO2e/km

DSP (Digital Selling Platform)

Introduction of processes for the sale of Leasing products in totally or partially self-service mode for the end customer.

Digital innovation

Expansion of the product offer on entirely digital sales channels, improvement of the user experience and rationalisation and digitisation of internal processes.

The projects we carry out to build sustainable development in relation to customer care.

Download the chapter of the NFS and learn more about our commitment to Ifis 4 Sustainable Business.

Ifis 4 Sustainable Business.

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“

“

In a society where some strides are being made to close the gender gap, improving the ability to manage one’s finances is crucial to ensuring women’s economic independence and decreasing gender inequality in both personal and professional environments.

Katia Mariotti - Head of the NPL division

Ifis 4 People

Our people are the essential driver of our business. We promote the value, development, training, inclusion and well-being of all employees.

What does the growth of Ifis People entail?

Employee well-being

We promote the mental-physical well-being of collaborators, workplace healthiness and comfort, corporate welfare, and the balance between private and professional life.

Enhancement and development of employees

We strive to develop training plans based on the concept of continuous learning and dynamically managing skills.

Diversity and inclusion

We value diversity and foster a fair and equitable work environment through our Code of Ethics and initiatives to promote an inclusive culture.

Commitment to the community

We promote inclusive development and support third-sector organisations in the communities in which we operate.

Results in 2022

These are our main achievements in 2021 with regard to care for our people.

Training

50,095.1 total hours of training provided in 2022.

Diversity indicators

54% female employees in the Group in 2022.

Remuneration

Introduction of sustainable finance objectives in the context of short and long-term incentive systems.

MyIfisWork

Better balance between work and private life with the agreement on smart working and flexibility.

WWI certification

We are the first bank to be certified for gender equality by the Winning Women Institute.

Measuring employee performance

An ongoing process also thanks to the “Continuous Feedback” tool.

Welfare initiatives

Launch of prevention campaigns and specialist visits for employees.

The projects we carry out to build sustainable development in relation to care for our people.

Download the chapter of the NFS and learn more about our commitment to Ifis 4 People.

Ifis 4 People

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The sustainability agenda

View our year-by-year KPIs divided according to our tree pillars of reporting.

Number and percentage of employees who have received anti-corruption training, broken down by classification category

2022 *

2021

2020

Senior managers (no.)

49

14

14

Senior managers (%)

51.6%

15.7%

17.9%

Middle managers (no.)

465

131

179

Middle managers (%)

82.0%

24.0%

35.3%

Clerical staff (no.)

1,043

398

498

Clerical staff (%)

86.1%

32.8%

43.6%

Total (no.)

1,557**

543

691

Total (%)

83%

29.4%

40.0%

* The count considers employees who have completed at least one of these activities: E-learning course “The liability of entities ed. 2020” made available as of October 2020; “Prevention and governance of the risk of an offence (Italian Legislative Decree 231/2001)”, made available from June 2022 as an update and replacement of the course previously mentioned.
** The figure refers to Group employees on the workforce at 31/12/2022. Including in the calculation also those employees who left the organisation during the reporting period and who received the training in question during the year 2022 (26, of whom 22 were clerical staff and 4 middle managers), the figures are: total 1583 (84%); clerical staff 1065 (87,9%); middle managers 469 (82,7); the figures for Senior Managers remain unchanged.

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The total value distributed to suppliers, divided between Italy and Abroad

2022

Italy - North-East (€)

96,530,195.3

Italy - North-East (%)

36%

Italy - North-West (€)

96,530,195.3

Italy - North-West (%)

36%

Italy - Centre (€)

50,946,492

Italy - Centre (%)

19%

Italy - South and Islands (€)

24,132,548.8

Italy - South and Islands (%)

9%

Total value distributed to suppliers - Italy (€)

268,139,431.5

Total value distributed to suppliers - Italy (%)

98%

Total value distributed to suppliers - Abroad (€)

5,647,604.5

Total value distributed to suppliers - Abroad (%)

2%

Total value distributed to suppliers (€)

273,787,036
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Support to enterprises and financial inclusion of customers

Legal Entity/Business Line

Product/Service with Social Purposes

Monetary value of transactions in 2022
(mln Euro)

% of total of the monetary value

Monetary value of transactions in 2021
(mln Euro)

% of total of the monetary value

Monetary value of transactions in 2020
(mln Euro)

% of total of the monetary value

Banca Ifis/Leasing

Finance Leases associated with the New Sabatini Law incentive scheme

234.15

15.72%

139.06

8.02%

75.63

8.10%

Banca Ifis/Leasing

Financial leasing associated with the MCC Guarantee Fund

63.73

1.69%

50.78

0.56%

21.68

0.26%

Banca Ifis/Leasing

Finance leases with EIB funding

21.98

6.05%

-

-

157.2

81%

Banca Ifis/Leasing

Moratorium Law Decree no. 18/2020

-

-

612.97

17.97%

740.60

26.13%

Banca Ifis/Leasing

Moratorium granted by Banca Ifis

-

-

5.77

0.10%

19.90

0.30%

Banca Ifis/Trade receivables

Financing backed by the MCC Guarantee Fund

294.8

5.30%

189.35

3.11%

15.00

1.00%

Banca Ifis/Trade receivables

Loan backed by SACE SupportItalia Guarantee

24.5

0.9%

-

-

-

-

Banca Ifis/Trade receivables

M/L financing backed by the MCC Guarantee Fund

145.7

96.80%

194.73

66.75%

240.60

72.00%

Banca Ifis/Trade receivables

of which with EIB funding

5.4

3.4

-

-

157.20

81.00%

Banca Ifis/Trade receivables

of which with CDP funding

92.2

65.20%

1.51

0.35%

-

-

Banca Ifis/Trade receivables

Loan backed by SACE Guarantee Italy

32.3

2.0%

78.10

2.81%

-

-
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Products and services on favorable terms with environmental purposes

Legal Entity/ Business Line

Leased environmental product/service

Monetary value operations of the year 2022
(mln euros)

% of total monetary value

Monetary value operations of the year 2021
(mln euros)

% of total monetary value

Monetary value operations of the year 2020
(mln euros)

% of total monetary value

Banca Ifis/Leasing

Leasing Green - leasing electric vehicles

35.83

5.41%

27.22

3.19%

46.78

3.69%
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Signing contracts with digital signatures for lines of business

Business line

Transaction

2022

2021

2020

Banca Ifis – Leasing

Signing contracts with digital signature

47%

13%

22%

Ifis Rental - Rental

Signing contracts with digital signature

38%

4%

-

Banca Ifis – Retail

Current account and deposit account opening

100%

100%

100%

Banca Ifis – Retail

Current account and deposit account transactions

100%

100%

100%

Banca Ifis – Factoring

% Assignments completed via digital portals (Invoice sellers)

59%

0%

0%

Banca Ifis – Supply Chain

% Invoice acknowledgements completed via digital portals (Assigned debtors)

36%

28%

19%
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Breakdown of energy consumption by source (Gj) *

Breakdown of energy consumption by source

2022

2021

2020

Total

GJ

32,547

30,678

29,261

Natural gas consumption for central heating

GJ

2,128

5,106

4,522

Gasoline consumption for the vehicle fleet

GJ

1,927**

385**

191**

Diesel consumption for the vehicle fleet

GJ

17,625

14,716

12,915

Total fuel consumption

GJ

21,680

20,207

17,627

Consumption of purchased electricity (non-renewable)

GJ

-

-

-

Consumption of purchased electricity (renewable)

GJ

10,483

10,101

11,273

Consumption of energy from solar panels (renewable)

GJ

383

370

362

Total electricity consumption

GJ

10,866

10,471

11,635

* See the section on “Notes for the collection and calculation of energy consumption data [GRI 302-1]” at the end of the chapter.

** The presence of consumption for petrol-driven cars is due to the preferential use of proprietary vehicles with respect to public transport services in the context of the COVID-19 health emergency.

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Safety indicators

Total number of injuries *

2022

2021

2020

Total number of deaths caused by accidents at work

No.

0

0

0

Total number of serious accidents at work (excluding deaths)

No.

0

0

0

Total number of accidents at work subject to registration

No.

0

2

3

Total

No.

0

2

3

Injury rate

2022

2021

2020

Rate of deaths caused by accidents at work

No.

0

0

0

Rate of serious accidents at work (excluding deaths)

No.

0

0

0

Rate of accidents at work subject to registration

No.

0

0.67

1.16

Total

No.

0

0.67

1.16

* Foreign employees are excluded from the disclosure.

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Average training hours per capita

Training hours delivered

2022

2021

2020

Total

h.

26.7

15.5

21.5

By gender:

Men

h.

30.8

17.1

24.2

Women

h.

23.2

14.1

19.2

By professional category

Senior managers

h.

26.6

14.0

13.9

Middle managers

h.

30.6

16.5

21.1

Clerical staff

h.

25.0

15.1

22.2
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Training by area

Total training hours provided by type/area

2022*

2021

2020

Total about Health and Safety

h.

5,148.0

3,989.0

1,862.0

Total on anti-corruption policies and procedures

h.

2,449.5

833.0

1,107.5

Total on anti-money laundering policies and procedures

h.

6,508.0

2,312.5

4,217.0

Total “Other” **

h.

35,989.6

21,466.6

34,163.7

Total

h.

50,095.1

28,601.1

37,133.2
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Ratio of remuneration of women to men by employee category

Ratio of remuneration of women to men by employee category

2022*

2021

2020

Senior managers

%

94%

97%

99%

Middle managers

%

90%

91%

92%

Clerical staff

%

96%

98%

98%

* The calculation excludes the additional amounts paid to workers (e.g. those based on the years of service, bonuses, overtime, additional indemnity for transport, transfers, etc.).

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Materiality analysis

Materiality analysis represents an important means of identifying the main sustainability issues to be addressed, thanks to integration of the external stakeholders and corporate strategies.

In 2022, the Banca Ifis Group revised the process for updating the materiality analysis in accordance with the provisions of the Global Reporting Initiative with GRI Standard 3 ” Material Topics “, i.e. according to a process which requires the identification of the material issues to be included in the Non-Financial Statement on the basis of the impacts generated on the economy, society and the surrounding environment through the Group’s business activities (i.e. impact materiality).

The materiality analysis process was divided into 5 phases:

  1. Context analysis and identification of new issues and impacts;
  2. Engagement of external stakeholders;
  3. Involvement of management;
  4. Updating of the impacts according to records of engagement and in-depth analysis of the impacts generated;
  5. Definition of the materiality analysis.

This process has resulted in a vision which considers the association between the material issues and the most significant positive and negative impacts generated for each issue, as well as the contribution of the issue to the United Nations Sustainable Development Goals.

* In order to ensure overall coherence of the results that emerged, the evaluations of the various issues were fine-tuned and reduced to 5 levels of impact generated, where: level 5 corresponds to “very high” evaluations, i.e. higher than 4.5; level 4 corresponds to “medium-high” evaluations, i.e. above 4.0; and level 3 corresponds to “medium-low” evaluations, i.e. higher than 3.5.

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