Paper plays an important role in the activities of a large bank as Intesa Sanpaolo. For this reason we have addressed through a specific policy the issue regarding both the kind of paper used and the quantities of paper consumption. In 2011 the Rules for the purchase and use of paper and derivative materials (PDF - 227 KB) were issued, that, as well as promoting efficient management, entails the Bank’s commitment on two main levels:
focus on characteristics of origin, i.e. the gradual reduction in the use of uncertified virgin paper increasing the use of FSC and ECF/TCF certified paper (or similar brands) and high post-consumption recycled fibre content paper;
efficient and responsible use, progressively extending the use of electronic equipment able to print double-sided copies, raising awareness of rational paper consumption among employees and circulating electronic communications as opposed to paper ones when addressing customers.
What we are doing to reduce paper consumption
In compliance with the Policy, we have:
gradually expanded the use of recycled paper, accompanied by FSC and ECF / TCF certified paper;
increased and made more efficient some initiatives aimed at discontinuing certain specific phases of printing (RI.BA. Alerts, accounting of transfers, receipts for standing orders, printouts for branches and Back Office centres) as carried out by external services, with an equivalent reduction in paper consumption;
consolidated the online accounting system addressed to all customers;
in accordance with the legislation on Italian banking transparency (which provides for so-called “Information Sheets" to be made available to customers at branches and promptly updated, containing information on the features of the main transactions and services rendered for each product available) installed a "totem", i.e. an Internet workstation available to customers, which can be used to view useful information without the Bank having to print the "Information Sheets on banking transparency";
extended the project of "dematerialisation" of bank documents. Starting from 2015, with the evolution of national legislation and the publication of the "Regole Tecniche del Codice dell’Amministrazione Digitale", the process of dematerialisation have been continued with more complex bank's transactions, such as, for example, signing of contracts and investment operations. Today, in all the Personal and Retail branches, in addition to operations at the bank counter, contracts and documents relating to numerous banking services are dematerialised, including opening current account, the request for payment cards, personal loans, underwriting of asset management contracts and units of investment, funds and insurance products for damage protection. Starting from June 6 2016, in Personal and Retail branches the subscription of contracts already dematerialised is possible only with graphometric or remote digital signature. The new way of subscribing the documentation for the sale of banking, financial and insurance products and services allows the customer to view all the documents regarding the offer and estimates of costs in electronic format on the tablet and to sign contracts by choosing between two paperless signing modes: graphometric or remote digital signature. Bank's documentation is filed in electronic format in the digital document archive, while customer's documentation may be delivered through Internet Banking, via e-mail or, if requested, on paper. As regard Subsidiary banks, among the initiatives aimed at dematerialisation, of particular interest are the results reached by Danube Project, in Privredna Banka Zagreb, which envisages the use of biometric signature with the elimination of paper support;
developed multichannel projects in Italy and "Digical" project for Group's International Subsidiary banks.
We have also issued a set of "Rules governing the sustainability in the organization of communication events and training courses" (PDF - 214 KB) which include, among other, suggestions for limiting the use of paper, such as: sending invitations and documentation in electronic format; making any prints on ecological and / or certified recycled paper and in double-sided copies; eliminating almost completely the need to print classroom training material. With regard to the latter aspect the project "Zerocarta" can be considered accomplished: since 2013 no training programs provide for printing of paper material or sending handouts and satisfaction questionnaires, after the end of the course, are completed on line by colleagues directly from their own PC’s once back in the office.