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2018 Financial and Social Report

[GRI 102-55]

For the Materiality Disclosures Service, GRI Services reviewed that the GRI content index is clearly presented and the references for Disclosures 102-40 to 102-49 align with appropriate sections in the body of the report.

THIS REPORT HAS BEEN PREPARED ACCORDING TO GRI STANDARDS: CORE OPTION. THE SECTOR ADDITION FOR FINANCIAL SERVICES HAS ALSO BEEN USED.

GRI Standard GRI Standard title Disclosure number Disclosure title Link
GRI 101
Foundation 2016 [GRI 101 does not include any disclosures]
GENERAL STANDARD DISCLOSURES
GRI 102 General Standard Disclosures 2016 102-1 Name of the organization link
GRI 102 General Standard Disclosures 2016 102-2 Activities, brands, products and services link
GRI 102 General Standard Disclosures 2016 102-3 Location of organization’s headquarters link
GRI 102 General Standard Disclosures 2016 102-4 Location of the Organization’s offices link
GRI 102 General Standard Disclosures 2016 102-5 Ownership and legal form link
GRI 102 General Standard Disclosures 2016 102-6 Markets served link
GRI 102 General Standard Disclosures 2016 102-7 Scale of the reporting organization link
GRI 102 General Standard Disclosures 2016 102-8 Information on employees link
GRI 102 General Standard Disclosures 2016 102-9 Supply chain link
GRI 102 General Standard Disclosures 2016 102-10 Significant changes  in the organization and its supply chain linklinklink
GRI 102 General Standard Disclosures 2016 102-11 Precautionary Principle or approach linklinklinklink,

linklinklinklink

GRI 102 General Standard Disclosures 2016 102-12 External initiatives supported by the organization linklink
GRI 102 General Standard Disclosures 2016 102-13 Membership in Organizations link
GRI 102 General Standard Disclosures 2016 102-14 Statement of the senior management link
GRI 102 General Standard Disclosures 2016 102-15 Description of key impacts, risks and opportunities link
GRI 102 General Standard Disclosures 2016 102-16 Values, principles, standards and norms of behavior link
GRI 102 General Standard Disclosures 2016 102-17 Mechanisms for requesting advice and explicating doubts related to ethics linklinklink
GRI 102 General Standard Disclosures 2016 102-18 Governance structure link
GRI 102 General Standard Disclosures 2016 102-25 Conflict of Interests linklink
GRI 102 General Standard Disclosures 2016 102-26 Senior management’s role in setting goals, values and strategy link
GRI 102 General Standard Disclosures 2016 102-30 Effectiveness of risk management processes linklinklinklinklinklinklinklinklink
GRI 102 General Standard Disclosures 2016 102-31 Review of economic, environmental, and social topics link
GRI 102 General Standard Disclosures 2016 102-40 List of the Stakeholder groups link
GRI 102 General Standard Disclosures 2016 102-41 Collective bargaining agreements link
GRI 102 General Standard Disclosures 2016 102-42 Identification and selection of Stakeholders link
GRI 102 General Standard Disclosures 2016 102-43 Approach to engaging Stakeholders link
GRI 102 General Standard Disclosures 2016 102-44 Key topics and concerns raised by Stakeholders link
GRI 102 General Standard Disclosures 2016 102-45 Entities included in the consolidated financial statements link
GRI 102 General Standard Disclosures 2016 102-46 Defining the report’s content and boundaries link
GRI 102 General Standard Disclosures 2016 102-47 List of significant reporting topics link
GRI 102 General Standard Disclosures 2016 102-48 Restatements of information link
GRI 102 General Standard Disclosures 2016 102-49 Changes in reporting link
GRI 102 General Standard Disclosures 2016 102-50 Reporting period link
GRI 102 General Standard Disclosures 2016 102-51 Date of the most recent report link
GRI 102 General Standard Disclosures 2016 102-52 Reporting cycle link
GRI 102 General Standard Disclosures 2016 102-53 Contact point for questions regarding the report link
GRI 102 General Standard Disclosures 2016 102-54 Claims of reporting in accordance with the GRI Standards link
GRI 102 General Standard Disclosures 2016 102-55 GRI Content Index link
GRI 102 General Standard Disclosures 2016 102-56 External assurance link
APPROACH TO MANAGEMENT
GRI 103 Approach to management 2016 103-1 Explanation of the material topic and its boundary link (business performance), link (ethics), link, link, link, (customer service), link (ethical marketing and distribution), link (combating corruption), link (safety of funds), link (procurement practices), link, link (conditions of employment), link (environmental impact), link (boundaries of reporting)
GRI 103 Approach to management 2016 103-2 The management approach and its components link, link(business performance), link (risk), link (ethics), link, link, link (customer service), link, link (ethical marketing and distribution), link, (legality), link (combating corruption), link (safety of funds), link (procurement practices), link, link (conditions of employment), link (environmental impact)
GRI 103 Approach to management 2016 103-3 Evaluation of the approach to management link(business performance),link(risk), link (ethics), link, link, link (customer service), link (ethical marketing and distribution),link(legality), link (combating corruption), link (safety of funds), link (procurement practices),link, link (conditions of employment), link (environmental impact)
TOP SPECIFIC DISCLOSURES
GRI 201 Business Performance 2016 201-1 Direct economic value generated and distributed link
GRI 202 Market presence 2016 202-2 Proportion of senior management hired from the local community link
GRI 203 Indirect economic impact 2016 203-1 Investments in infrastructure and supported services link
GRI 204 Procurement practices 2016 204-1 Proportion of spending on local suppliers link
GRI 205 Combating corruption 2016 205-1 Operations assessed for risks related to corruption link
GRI 205 Combating corruption 2016 205-2 Communication and training on anti-corruption procedures and policies link
GRI 205 Combating corruption 2016 205-3 Confirmed incidents of corruption and actions taken link
GRI 206 Anti-competitive behavior 2016 206-1 Proceedings concerning anti-competitive behavior, antitrust and monopolistic practices link
GRI 301 Materials 2016 301-1 Materials used by weight and volume link
GRI 302 Energy 2016 302-1 Consumption of energy in the organization link
GRI 302 Energy 2016 302-4 Reduction of energy consumption link
GRI 303 Water 2016 303-1 Water withdrawal by source link
GRI 305 Emissions 2016 305-1 Direct greenhouse gas emissions link
GRI 306 Sewage and waste 2016 306-2 Waste by type and disposal method link
GRI 307 Environmental compliance 2016 307-1 Non-compliance with the law and environmental regulations link
GRI 401 Headcount 2016 401-1 New employee hires and employee turnover link
GRI 401 Headcount 2016 401-2 Benefits offered to employees link
GRI 401 Headcount 2016 401-3 Parental leave link
GRI 403 Occupational Health and Safety 2016 403-2 Type of injury and rates of injury, occupational diseases, lost days, absenteeism and total number of work-related fatalities link
GRI 404 Training and education 2016 404-1 Average hours of training per year per employee link
GRI 404 Training and education 2016 404-2 Programs for upgrading employee skills link
GRI 404 Training and education 2016 404-3 Percentage of employees receiving regular performance and career development reviews link
GRI 405 Diversity and equal opportunities 2016 405-1 Diversity of governance bodies and employees link, link, link
GRI 405 Diversity and equal opportunities 2016 405-2 Ratio of basic salary and remuneration of women to men link
GRI 406 Counteracting Discrimination 2016 406-1 Incidents of discrimination and corrective actions taken link
GRI 412 Human rights – evaluation 2016 412-2 Employee training on human rights policies or procedures link
GRI 417 Marketing and product labeling 2016 417-1 Requirements for product and service information and labeling  

link, link

GRI 417 Marketing and product labeling 2016 417-3 Incidents of non-compliance concerning marketing communications link
GRI 418 Client privacy 2016 418-1 Substantiated complaints concerning breaches of customer privacy and losses of customer data link
GRI 419 Compliance concerning socio-economic issues 2016 419-1 Non-compliance with laws and regulations in the social and economic area link

 

Specific standard disclosures for the sector
Disclosures on Management Approach (DMA) and indicators Link Omissions External verification Description
SECTOR-SPECIFIC ASPECT: PRODUCT PORTFOLIO
G4-DMA link
link
none
G4-FS1 link
link
none Policies with specific environmental and social components applied to business lines.
G4-FS5 link
link
none Interactions with clients/investees/business partners regarding environmental and social risks and opportunities.
G4-FS7 link none Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose.
G4-FS8 link none Monetary value of products and services designed to deliver a specific environmental benefit for each business line broken down by purpose.
SECTOR-SPECIFIC ASPECT: AUDIT
G4-DMA link none
G4-FS9 link none Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures.
SECTOR-SPECIFIC ASPECT: LOCAL COMMUNITIES
G4-DMA link none
G4-FS13 link none Access points in low-populated or economically disadvantaged areas.
G4-FS14 link none Initiatives to improve access to financial services for disadvantaged people.
G4-FS15 link none Policies for the fair design and sale of financial products and services.
G4-FS16 link none Initiatives to enhance financial literacy by type of beneficiary.