Table A8.

Examples of intra-firm comparability of both CREDEM and BPER (2019 and 2020)

TopicExamplesYearReportPage
Economic performanceIn 2020, the composition of the Group’s ESG portfolio amounted to EUR 1,566.6 M, equal to 5.6% of the total and a growth of 121% compared to 20192020CREDEM, Consolidated Non-Financial Statement 202092
Economic performanceThe economic value generated in 2020 is slightly higher than in 2019, influenced by higher adjustments to credits as a result of the worsening macroeconomic environment caused by the COVID-19 health emergency, against which there was good growth in revenues, in particular interest margin and net commission income2020BPER, Sustainability Report 202061
Environmental - emissionsConsequently, compared to 2019, the following reductions in CO2eq emissions were recorded: −29.4% Scope 1 emissions (compared to a 2020 target of −9%) attributable to the enhancement of remote working and the rationalisation of the physical sales network (with impacts on the consumption of buildings)2020CREDEM, Consolidated Non-Financial Statement 202048
Environmental - emissionsWhile carpooling made it possible to avoid the emission of approximately 10 t of CO2 into the atmosphere in 2019, nonetheless 6.4 t of CO2 were spared in 20202020BPER, Sustainability Report 2020142
Social -diversity and equal opportunityDevelopment of potential: the percentage of female talent increased by 0.9% compared to 2018, a segment to which the company devotes particular attention and investment2019CREDEM, Consolidated Non-Financial Statement 201971
Social -training and educationIn 2020, over 560,000 h of staff training were provided, a decreasing trend compared to previous years2020BPER, Sustainability Report 2020110
Source: Created by the authors

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