ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information 7. ADDITIONAL INFORMATION 71
7. SUPPLEMENTARY INFORMATION MAIN ASSOCIATIONS (Information as of Dec. 31, 2005) INSTITUTE FOR ECONOMIC STUDIES EUROPEAN INSURANCE CFO FORUM (CORPORACIÓN ) EUROPEAN GROUP OF RISK AND INSURANCE ECONOMISTS THE GENEVA ASSOCIATION SPANISH ASSOCIATION FOR THE UNITED NATIONS GLOBAL COM- PACT UNITED NATIONS ENVIRONMENT PROGRAMME FINANCIAL INITIATIVE BUSINESS AND SOCIETY FOUNDATION SPANISH UNION OF INSURANCE AND REINSURANCE COMPANIES (UNESPA) INTERNATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES (AISAM) BUSINESS SOCIAL ACTION (ACCION SOCIAL EMPRESARIAL) INTERAMERICAN FEDERATION OF INSURANCE COMPANIES (FIDES) INTERNATIONAL CHRISTIAN UNION OF BUSINESS EXECUTIVES (UNIAPAC) SPANISH SECTION OF THE INTERNATIONAL ASSOCIATION FOR INSURANCE LAW (SEAIDA) 72
ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information GLOBAL COMPACT ON GRI INDICATORS PRINCIPLE OF THE UNITED NATIONS GLOBAL COMPACT GRI INDICATOR (*) HUMAN RIGHTS 1. Businesses should support and respect internationally proclaimed human rights within their sphere of influence. 2. Avoid complicity in human rights violations. HR2, HR3 LABOUR RIGHTS 3. Uphold freedom of association and the effective recognition of the right to collective bargaining. 4. Uphold the elimination of all forms of forced and compulsory labour. HR1, HR2, HR3, HR4 LA3, LA4, HR5 HR7 5. Uphold effective elimination of child labour. HR6 6. Uphold elimination of discrimination with respect to employment and occupation. ENVIRONMENT 7. Support a precautionary approach to environmental challenges. 3.13 8. Undertake initiatives to promote greater environmental responsibility. 9. Encourage development and diffusion of environmentally friendly technologies. LA10, LA11, HR4 1.1, EN1, EN2, EN3, EN4, EN5, EN6, EN7, EN8, EN9, EN10, EN11, EN12, EN13, EN14, EN15, EN16 EN17 annual report for 2005 on social responsibility and Social Responsibility: social responsibility model. Code of Good Governance: Institutional Principles. The Social Dimension of : and its employees. and Social Responsibilty: social responsibility model. Code of Good Governance: Institutional Principles. The Environmental Dimension of. and Social Responsibility: social responsibility model. Code of Good Governance: Institutional Principles. CORRUPTION 10. Work against all forms of corruption, including extortion and bribery. SO2 and Social Responsibility: social responsibility model. Code of Good Governance: Institutional Principles. (*) Guide to equivalent between Principles of the Global Compact and GRI indicators. Source www.unglobalcompact.org; www.globalreporting.org. 73
II. INDEX OF GRI INDICATORS 1. VISIÓN AND STRATEGY 1.1 1.2 ORDER GRI INDICATOR Statement of the organisation s vision and strategy regarding its contribution to sustainable development. Statement from the CEO (or equivalent senior manager) describing key elements of the report on sustainability. Scope and availability of the information SISTEMA CORPORACION - Letter from the President from SR Report. - s Social Dimension SR Report: the introduction of each group involved includes s commitment to such group and the course of action to be taken. - Letter from the President. OBSERVATIONS 2. PROFILE Organisational profile 2.1 me of reporting organisation. 2.2 Major products and/or services, including brands if appropriate. 2.3 Operational structure of the organisation. 2.4 Description of major divisions, operating companies, subsidiaries and joint ventures. 2.5 Countries in which the organisation s operations are located. 2.6 ture of ownership; legal form. 2.7 ture of markets served. 2.8 Scale of the reporting organisation. 2.9 List of stakeholders, key attributes of each, and relationship to the reporting organisation. - SISTEMA chapter in SR Report: includes the most relevant information relating to SISTEMA from the Annual Report. General Information. Establishment in Spain. International Presence. Organisational Chart. - Reference to the Consolidated Management Report (SM and CM): market context and evolution of insurance markets. - s Economic Dimension chapter in SR Report: Includes a summary of the section on Business Development of the Consolidated Management Report (SM and CM). - and Social Responsibility chapter in SR Report; SR model. Report scope 2.10 Contact person for the report, including e-mail and and web addresses. 2.11 Reporting period (e.g. fiscal/calendar year) for information provided. 2005 2005 2.12 Date of most recent previous report (if any). 2004 2004 2.13 Boundaries of report. - At the end of the report there is the Contact us paragraph, with the following contact addresses: www.mapfre.com to consult Yearly Reports, products and services. responsabilidadsocial@mapfre.com as the contact address for the Social Responsibility Division. COMUNICACION@mapfre.com. - Letter from the President from SR Report. - Main activities carried out in 2005 by (SISTEMA and CORPORACIÓN ). - Yearly Report 2004 not done under GRI standards. Available on website. - Letter from the President from SR Report. contains data on the SISTEMA as a whole. However, given the complexity of the Group, we have given in-depth information only on Spain. 2.14 Significant changes in size, structure, ownership, or products/services that have occurred since the previous report. - Consolidated Management Report (SM and CM): Relevant events of 2005. Acquisitions, projects and transfers of titles. 2.15 Basis for reporting on joint ventures, partially owned subsidiaries, leased facilities, outsourced operations, and other situations that can significantly affect comparability from period to period and/or between reporting organisations. 2.16 Explanation of the nature and effect of any re-statements of information provided in earlier reports, and the reasons for such re-statement (e.g. mergers/acquisitions, change of base year/periods, nature of business, measurement methods). - First adoption of IFRS. Report profile 2.17 Decisions not to apply GRI principles or protocols in the preparation of the report. 2.18 2.19 Criteria and/or definitions used in any accounting for economic, environmental and social costs and benefits. Significant changes from previous years in the measurement methods applied to key economic, environmental and social information. - First adoption of IFRS. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 74
ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information ORDER GRI INDICATOR Scope and availability of the information SISTEMA CORPORACION OBSERVATIONS 2.20 2.21 2.22 Policies and internal practices to enhance and provide assurance about the accuracy, completeness and reliability that can be placed on the sustainability report. Policy and current practice with regard to providing independent assurance for the full report. Means by which report users can obtain additional information and reports about economic, environmental and social aspects. - Letter from the President from SR Report. - E&Y Verification Report. - At the end of the report there is the Contact us paragraph, with the following contact addresses: www.mapfre.com to consult Yearly Reports, products and services. responsabilidadsocial@mapfre.com as the contact address for the Social Responsibility Division. 3. GOVERNANCE STRUCTURE AND MANAGEMENT SYSTEMS Structure and governance 3.1 Governance structure of the organisation, including major committees under the board of directors that are responsible for setting strategy and for oversight of the organisation. 3.2 Percentage of the board of directors that are independent, non-executive directors. 3.3 3.4 3.5 3.6 3.7 3.8 Process for determining the expertise board members need to guide the strategic direction of the organisation, including issues related to environmental and social risks and opportunities. Board-level processes for overseeing the organisation s identification and management of economic, environmental and social risks and opportunities. Linkage between executive compensation and achievement of the organisation s financial and non-financial goals (e.g. environmental performance, labour practices). Organisational structure and key individuals responsible for oversight, implementation and audit of economic, environmental, social and related policies. Mission and value statements, internally developed codes of conduct or principles, and policies relevant to economic, environmental and social performance and the status of implementation. Mechanisms for shareholders to provide recommendations or direction to the board of directors. - Corporate Management Report SM and CM. - See Code of Good Governance overlaps SR. - and SR in SR Report. - Corporate Management Report SM and CM. Stakeholder engagement 3.9 Basis for indentification and selection of major stakeholders. - and SR in SR Report. 3.10 Approaches to stakeholder consultation reported in terms of frequency of consultatiopns by type and by stakeholder group. 3.11 Type of information generated by stakeholder consultations. - and SR in SR Report Each interest group includes channels of relation. Quality in clients and suppliers. 3.12 Used of information resulting from stakeholder engagements. Overarching policies and management systems 3.13 3.14 Explanation of whether and how the precautionary approach or principle is addressed by the organisation. Externally developed, voluntary economic, environmental and social characters, sets of principles or other initiatives to which the organisation subscribes or which it endorses. - and SR: SR model. - Annual Report for 2005 on s foundation activity. 3.15 Principal memberships in industry and business associations, and/or national/international advocacy organisations. - List of principal business associations authorised by the CACI. 3.16 Policies and/or systems for managing upstream and downstream impacts. - Corporate Management Report SM and CM. 3.17 Reporting organisation s approach to managing indirect economic, environmental and social impacts resulting from its activities. - s Environmental Dimension in SR Report. - Consolidated Management Report: Risk Management. 3.18 Major decisions during the reporting period regarding the location of, or changes in, operations. 3.19 Programmes and procedures pertaining to economic, environmental and social performance. - s Social and Environmental Dimensions in SR Report. 3.20 Status of certification pertaining to economic, environmental and social management systems. - s Social and Environmental Dimensions in SR Report: ISO certifications and regulations. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 75
PERFORMANCE INDICATORS ECONOMIC PERFORMANCE INDICATORS ORDER GRI INDICATOR Scope and availability of the information SISTEMA CORPORACION OBSERVATIONS DIRECT ECONOMIC IMPACTS Customers C EC1 Net sales. The equivalent at is the volume of total revenues. - Available in the chapter and its customers in the SR Report. C EC2 Geographic breakdown of markets. - SISTEMA chapter in SR Report. Establishment in Spain. International Presence. - Consolidated Annual Accounts (SM and CM) section Territorial Distribution of the Business. Suppliers C EC3 Cost of all goods, materials and services purchased. - Available in the chapter and its suppliers in the SR Report. C EC4 Percentage of contracts that were paid in accordance with agreed terms. A EC11 Supplier breakdown by organisation and country. Employees C EC5 Total payroll and benefits broken down by country or region. - Available in the chapter and its employees in the SR Report. Providers of capital C EC6 Distributions to providers of capital. - Consolidated Annual Accounts (SM and CM) section Statement of Financial Liabilities. C EC7 Increase/decrease in retained earnings at end of period. - Consolidated Annual Accounts (SM and CM) section Statement of changes in net equity. Public sector C EC8 Total sum of taxes of all types paid, broken down by country. C EC9 Subsidies received, broken down by country or region. C EC10 Donations to community, civil society and other groups broken down in terms of cash and in-kind donations per type of group. Social Action. - See Annual Report for 2005 on s foundation activity. A EC12 Total spent on non-core business infrastructure development. INDIRECT ECONOMIC IMPACTS A EC13 The organisation s indirect economic impacts. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 76
ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information ENVIRONMENTAL PERFORMANCE INDICATORS ORDER GRI INDICATOR Scope and availability of the information SISTEMA CORPORACIÓN OBSERVATIONS Materials C EN1 Total materials use other than water, by type. - s Environmental Dimension in SR Report: Table of environmental performance indicators. C EN2 Percentage of materials used that are wastes (processed or unprocessed). - s Environmental Dimension in SR Report: Table of environmental performance indicators and chapter on ecological efficiency. Energy C EN3 Direct energy use segmented by primary source. - s Environmental Dimension in SR Report: Table of environmental performance indicators. C EN4 Indirect energy use. A EN17 Initiatives to use renewable energy sources and increase energy efficiency. A EN18 Energy consumption footprint. - s Environmental Dimension in SR Report. A EN19 Other indirect (upstream/downstream) energy use. Water C EN5 Total water use. - s Environmental Dimension in SR Report: Table of environmental performance indicators. A EN20 Water sources and related ecosystems/habitats significantly affected by use of water. A EN21 Annual withdrawals of ground and surface water as a percentage of annual renewable quantity of water available from the sources. A EN22 Total recycling and reuse of water. - s Environmental Dimension in SR Report: Table of environmental performance indicators. Biodiversity C EN6 Location and size of land owned, leased or managed in biodiversity-rich habitats. C EN7 Description of the major impacts on biodiversity associated with activities and/or products and services in terrestrial, fresh-water and marine environments. A EN23 Total amount of land owned, leased or managed for production activities or extractive use. A EN24 Amount of impermeable surface as a percentage of land purchased or leased. A EN25 Impacts of activities and operations on protected and sensitive areas. A EN26 Changes to natural habitats resulting from activities and operations and percentage of habitat protected or restored. A EN27 Objectives, programmes and targets for protecting and restoring native ecosystems and species in degraded areas. A EN28 Number of IUCN Red List species with habitats in areas affected by operations. A EN29 Business units currently operating or planning operations in or around protected or sensitive areas. - s Environmental Dimension in SR Report: Promoting recycling. - s Environmental Dimension in SR Report: Promoting recycling. Emisions, effluents and waste C EN8 Greenhouse gas emissions. - s Environmental Dimension in SR Report: Table of environmental performance indicators and chapter on ecological efficiency. C EN9 Use and emissions of ozone-depleting substances. - s Environmental Dimension in SR Report: Table of environmental performance indicators and chapter on ecological efficiency. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 77
ENVIRONMENTAL PERFORMANCE INDICATORS ORDER GRI INDICATOR Scope and availability of the information SISTEMA CORPORACION OBSERVATIONS C EN10 NOx, SOx and other significant air emissions by type. C EN11 Total amount of waste by type and destination. - s Environmental Dimension in SR Report. C EN12 Significant discharges to water by type. C EN13 Significant spills of chemicals, oils and fuels in figures and total volume. A EN30 Other relevant indirect greenhouse gas emissions. A EN31 All production, transport, import or export of any waste deemed hazardous under the terms of the Basel Convention, Annex I,II, III and VIII. A EN32 Water sources and related ecosystems/habitats significantly affected by discharges of water and runoff. - s Environmental Dimension in SR Report: Table of environmental performance indicators and chapter on ecological efficiency. - s Environmental Dimension in SR Report: Table of environmental performance indicators and chapter on ecological efficiency. - s Environmental Dimension in SR Report: Table of environmental performance indicators and chapter on ecological efficiency. Suppliers A EN33 Performance of suppliers relative to environmental components of programmes and procedures described in response to Governance Structure and Management Systems section. - s Environmental Dimension in SR Report. Products and services C EN14 Significant environmental impacts of principal products and services. - s Environmental Dimension in SR Report. C EN15 Percentage of the weight of products sold that is reclaimable at the end of the products useful life and percentage that is actually reclaimed. - s Environmental Dimension in SR Report: Table of environmental performance indicators and chapter on ecological efficiency. Compliance C EN16 Incidents of and fines for non-compliance with all applicable international declarations/conventions/treaties and national, sub-national, regional and local regulations associated with environmental issues. - s Environmental Dimension in SR Report: Table of environmental performance indicators. Transport A EN34 Significant environmental impacts of transportation used for logistical purposes. Overall A EN35 Total environmental expenditures by type. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 78
ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information SOCIAL PERFORMANCE INDICATORS ORDER GRI INDICATOR Scope and availability of the informatión SISTEMA CORPORACION OBSERVATIONS LABOUR PRACTICES AND DECENT WORK Employment C LA1 Breakdown of workforce. and its employees Structure of staff. C LA2 Net employment creation and average turnover segmented by region/ country. and its employees Human Resources Policy. A LA12 Employee benefits beyond those legally mandated. and its employees Renumeration and social benefits and Program of social activities. LABOUR/MANAGEMENT RELATIONS C LA3 Provision for formal worker representation in decision-making or management, including corporate governance. C LA4 Policy and procedures involving information, consultation and negotiation with employees over changes in the reporting organisation s operations. and its employees Company-employee relations, Scope Spain, Insurance Group. and its employees Company-employee relations, Scope Spain, Insurance Group. A LA13 Provision for formal worker representation in decision-making or management, including corporate governance. HEALTH AND SAFETY C LA5 Practices on recording and notification of occupational accidents and diseases. and its employees Safety and health. C LA6 Description of formal joint health and safety committees comprising management and worker representatives and proportion of workforce covered by any such committees. and its employees Safety and health. C LA7 Standard injury, lost day and absentee rates and number of work-related fatalities. and its employees Safety and health. C LA8 Description of policies or programmes (for the wokplace and beyond) on HIV/AIDS. and its employees Safety and health. A LA14 Evidence of substantial compliance with the ILO Guidelines for Occupational Health Management Systems. A LA15 Description of formal agreements with trade unions or other bona fide employee representatives covering health and safety at work and proportion of the workforce covered by any such agreements. and its employees Companyemployee relations and Safety and health. - Scope Spain. TRAINING AND EDUCATION C LA9 Average hours of training per year per employee by category of employee. and its employees Training and professional development, Training in Spain and table with hours of training in Spain and Latin America. A LA6 Description of programmes to support the continued employability of employees and to manage career endings. and its employees Human resources policy. A LA17 Specific policies and programmes for skills management or for lifelong learning. and its employees Training and professional development, Training in Spain and table with hours of training in Spain and Latin America. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 79
SOCIAL PERFORMANCE INDICATORS ORDER GRI INDICATOR Scope and availability of the informatión SISTEMA CORPORACION OBSERVATIONS DIVERSITY AND OPPORTUNITY C LA10 Description of equal opportunity policies or programmes, as well as monitoring systems to ensure compliance and results of monitoring. and its employees Diversity and opportunities. C LA11 Composition of senior management and corporate governance bodies (including the board of directors), including female/male ratio and other indicators of diversity as culturally appropriate. and its employees Diversity and opportunities. - Corporate Management Report SM and CM. HUMAN RIGHTS Strategy and management C HR1 Description of policies, guidelines, corporate structure and procedures to deal with all aspects of human rights relevant to operations, including monitoring mechanisms and results. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. C HR2 Evidence of consideration of human rights impacts as part of investment and procurement decisions, including selection of suppliers/ contractors. C HR3 Evidence of consideration of human rights impacts as part of investment and procurement decisions, including selection of suppliers/ contractors. A HR8 Employee training on policies and practices concerning all aspects of human rights relevant to operations. Communicate the type of training, how many employees were trained and the average durations of such training. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. Non-discrimination C HR4 Description of global policy and procedures/programmes preventing all forms of discrimination in operations, including monitoring systems and results of monitoring. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. Freedom of association and collective bargaining C HR5 Description of freedom of association policy and extent to which it is applied. and its employees Companyemployee relations. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. Child labour C HR6 Description of policy excluding child labour as defined by the ILO Convention 138 and extent to which this policy is applied, and description of procedures/programmes to address this issue, including monitoring systems and results of monitoring. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. Forced and compulsory labour C HR7 Description of policy to prevent forced and compulsory labour and extent to which this policy is visibly stated and applied, and description of procedures/programmes to address this issue, including monitoring systems and results of monitoring. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. Disciplinary practices A HR9 Description of appeal practices, including but not limited to human rights issues. A HR10 Description of appeal practices, including but not limited to human rights issues. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 80
ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information SOCIAL PERFORMANCE INDICATORS ORDER GRI INDICATOR Scope and availability of the informatión SISTEMA CORPORACION OBSERVATIONS Security practices A HR11 Human rights training for security personnel. Include type of training, number of persons trained, and average training duration. and its employees Training and professional development and Training in Spain. Indigenous rights A HR12 Description of policies, guidelines and procedures to address the needs of indigenous people. A HR13 Description of jointly managed community grievance mechanisms/ authority. A HR14 Share of operating revenues from the area of operations that are redistributed to local communities. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. - Annual Report for 2005 on s foundation activity. SOCIETY Community C SO1 Description of policies to manage impacts on communities in areas affected by activities. A SO4 Awards received relevant to social, ethical and environmental performance. and its employees; and its customers. - s Environmental Dimension. Bribery and corruption C SO2 Description of the policy, procedures/management systems and compliance mechanisms for organisations and employees addressing corruption. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance and Participation in the Global Compact. Political contributions C SO3 Description of policy, procedures/management systems and compliance mechanisms for managing political lobbying and contributions. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance. A SO5 Amount of money paid to political parties and institutions whose prime function is to fund political parties or their candidates. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance. Competition and pricing A SO6 Resoluciones relativas a causas judiciales sobre las normativas antimonopolio. A SO7 Description of policy, procedures/management systems and compliance mechanisms for preventing anti-competitive behaviour. - Chapter on s Social Dimension in SR Report: SR Model: Code of Good Governance. PRODUCT RESPONSIBILITY Customer health and safety C PR1 Description of policy for preserving customer health and safety during use of products and services, and the extent to to which this policy is visibly stated and applied, as well as description of procedures/programes to address this issue, including monitoring systems and results of monitoring. A PR4 Number and type of instances of non-compliance with regulations concerning customer health and safety, including the penalties and fines assessed for these breaches. A PR5 Number of complaints upheld by regulatory or similar official bodies to oversee or regulate the health and safety of products and services. A PR6 Voluntary code compliance, product tables or awards with respect to social and/or environmental responsibility that the reporter is qualified to use or has received. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 81
SOCIAL PERFORMANCE INDICATORS ORDER GRI INDICATOR Scope and availability of the informatión SISTEMA CORPORACION OBSERVATIONS Products and services C PR2 Description of policy, procedures/management systems and compliance mechanisms related to product information and labelling. A PR7 Number and type of instances of non-compliance with regulations concerning product information and labelling, including any penalties or fines assessed for these breaches. A PR8 Number and type of instances of non-compliance with regulations concerning product information and labelling, including any penalties or fines assessed for these breaches. - Available in chapter on and its customers in the SR Report Communication channels. - Available in chapter on and its customers in the SR Report Communication channels and Quality. Advertising A PR9 Description of policies, procedures/management systems and compliance mechanisms for adherence to standards and voluntary codes related to advertising. Identify geographic areas covered by policy. A PR10 Number and types of breaches of advertising and marketing regulations. 0 0 Respect for privacy C PR3 Description of policy, procedures/management systems and compliance mechanisms for consumer privacy. Identify geographic areas covered by policy. A PR11 Number of substantiated complaints regarding breaches of consumer privacy. 0 0 - Available in chapter on and its customers in the SR Report Communication channels and Quality. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE SI: INDICATES SCOPE 82
ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information GRI FINANCIAL SERVICES SECTOR SUPPLEMENT ORDER GRI INDICATOR CORPORATE SOCIAL RESPONSIBILITY MANAGEMENT CSR1 CSR Policy. - Chapter on an SR in SR Report. CSR2 CSR Organisation. - Chapter on an SR in SR Report. CSR3 CSR Audits. CSR4 Management of sensitive issues (corruption, contributions to political parties, money laundering, financing terrorism, etc). CSR5 Non-compliance (norms, regulations, standards, laws, etc.). - Chapter on an SR in SR Report: SR model: Code of Good Governance. CSR6 Stakeholder dialogue. - s Social Dimension in SR Report. INTERNAL SOCIAL PERFORMANCE INT1 Internal CSR policy in human resources (equal opportunity, freedom of association, training, layoff policy, health and safety). INT2 Staff turnover and job creation. Scope and availability of the informatión SISTEMA CORPORACION OBSERVATIONS and its employees. and its employees. INT3 Employee satisfaction. INT4 Senior management and Board of Directors remuneration. - Corporate Management Report SM and CM. INT5 Bonuses fostering sustainable success. INT6 Female-male salary ratio. INT7 Employee profile (gender, disability, etc.). and its employees. PERFORMANCE TO SOCIETY SOC1 Charitable contributions (cash support, staff time, gifts-in-kind, management costs). SOC2 Economic value added. SUPPLIERS SUP1 Screening of major suppliers (terms of employment, conditions, etc). SUP2 Supplier satisfaction (prompt payment, prices, treatment, etc.). - Chapter on s Social Dimension in SR Report. - Annual Report for 2005 on s foundation activity. and its suppliers. RETAIL BANKING RB1 Retail banking policy (socially relevant elements such as products, access to financial services). RB2 Lending profile (sectors, small and medium-sized enterprises) RB3 Lending with high social benefit (products with a social component, etc). INVESTMENT BANKING IB1 Social and environmental aspects of investment policy. IB2 Customer profile. IB3 Transactions with high social benefit. ASSET MANAGEMENT AM1 Asset management policy. AM2 Assets under management with high social benefit. AM3 SRI Oriented Shareholder Activity. INSURANCE INS1 Underwriting policy, social criteria applied in it (responsible marketing, transparent commissioning, higher consensus, etc.). INS2 Customer profile. and its customers. INS3 Customer complaints. and its customers. INS4 Insurance with high social benefit (deprived areas, disabled people, etc). - s Environmental Dimension. C: CORE INDICATOR A: ADDITIONAL INDICATOR : INDICATOR NOT AVAILABLE : INDICATOR NOT APPLICABLE : INDICATES SCOPE 83
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ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY Additional information IV. CONTACT US If you wish to obtain more information on the Annual Report on Social Responsibility 2005, contact us at: Our Web page: www.mapfre.com Corporate Department of Communications and Social Responsibility: - Social Responsibilty Area of : responsabilidadsocial@mapfre.com - Communications Management of : COMUNICACION@mapfre.com 95