Employees | Sustainability Report 2016

All Italian figures refer to: ABI (2016) 2016 report on employment in the financial industry, Bancaria Editrice (figures for credit personnel are updated to 2015).

BREAKDOWN OF PERSONNEL

Intesa Sanpaolo Group staff^*	2016
Intesa Sanpaolo Group staff^*	Breakdown of employees by country	Men	Women
Italy	64,129	31,602	32,527
Luxembourg	206	126	80
Ireland	27	12	15
Egypt	4,718	3,790	928
Albania	574	199	375
Croatia	4,550	1,311	3,239
Romania	587	157	430
Serbia	3,052	904	2,148
Slovenia	753	189	564
Hungary	2,461	696	1,765
Slovakia	4,540	1,176	3,364
Ukraine	1,665	311	1,354
Russia	1,463	381	1,082
Group	88,725	40,854	47,871

^* The breakdown by country is based on the parent company head office for international subsidiaries (PBZ in Croatia, VUB Banka in Slovakia and CIB Bank in Hungary).

Breakdown of staff by gender

Female bank employees in Italy account for 45.0% of staff, against 55.0% male employees. Intesa Sanpaolo figures have a uniform distribution.

Employees by type of contract and gender [no.]	2016			2015			2014
Employees by type of contract and gender [no.]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Open-ended contracts	63,999	21,744	85,743	63,999	21,153	85,152	64,360	21,989	86,349
Men	31,539	7,882	39,421	31,619	8,177	39,796	31,978	8,453	40,431
Women	32,460	13,862	46,322	32,380	12,976	45,356	32,382	13,536	45,918
Fixed-term contracts	29	2,753	2,782	48	2,187	2,235	44	2,173	2,217
Men	19	1,329	1,348	27	1,074	1,101	23	1,008	1,031
Women	10	1,424	1,434	21	1,113	1,134	21	1,165	1,186
Apprenticeships	101	96	197	167	74	241	257	35	292
Men	44	40	84	65	34	99	103	15	118
Women	57	56	113	102	40	142	154	20	174
New recruits	0	3	3	0	5	5	0	2	2
Men	0	1	1	0	2	2	0	1	1
Women	0	2	2	0	3	3	0	1	1
Employment contracts - apprenticeships	0	0	0	0	0	0	17	0	17
Men	0	0	0	0	0	0	2	0	2
Women	0	0	0	0	0	0	15	0	15
Open-ended employment contracts	0	0	0	9	0	9	55	0	55
Men	0	0	0	2	0	2	22	0	22
Women	0	0	0	7	0	7	33	0	33

Employment contracts are a type of Italian contract.

Employees by type of contract and gender [%]	2016			2015			2014
Employees by type of contract and gender [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Open-ended contracts	99.80	88.40	96.64	99.65	90.32	97.16	99.42	90.87	97.10
Men	49.18	32.05	44.43	49.23	34.92	45.41	49.40	34.93	45.46
Women	50.62	56.36	52.21	50.42	55.41	51.75	50.02	55.94	51.63
Fixed-term contracts	0.05	11.19	3.14	0.07	9.34	2.55	0.07	8.98	2.49
Men	0.03	5.40	1.52	0.04	4.59	1.26	0.04	4.17	1.16
Women	0.02	5.79	1.62	0.03	4.75	1.29	0.03	4.81	1.33
Apprenticeships	0.16	0.39	0.22	0.26	0.32	0.27	0.40	0.14	0.33
Men	0.07	0.16	0.09	0.10	0.15	0.11	0.16	0.06	0.13
Women	0.09	0.23	0.13	0.16	0.17	0.16	0.24	0.08	0.20
New recruits	0.00	0.01	0.00	0.00	0.02	0.01	0.00	0.01	0.00
Men	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00
Women	0.00	0.01	0.00	0.00	0.01	0.00	0.00	0.00	0.00
Employment contracts - apprenticeships	0.00	0.00	0.00	0.00	0.00	0.00	0.03	0.00	0.02
Men	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Women	0.00	0.00	0.00	0.00	0.00	0.00	0.02	0.00	0.02
Open-ended employment contracts	0.00	0.00	0.00	0.01	0.00	0.01	0.08	0.00	0.06
Men	0.00	0.00	0.00	0.00	0.00	0.00	0.03	0.00	0.02
Women	0.00	0.00	0.00	0.01	0.00	0.01	0.05	0.00	0.04

"Figures for Italy for bank staff are as follows: open-ended contracts (98.5%), fixed-term contracts (0.63%), apprenticeships (0.7%) and new recruits (0.13%). Employment contracts are a type of Italian contract."

Atypical contracts and work placements	2016			2015			2014
Atypical contracts and work placements	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Temporary agency employment contracts	30	122	152	34	161	195	0	95	95
Men	10	36	46	13	38	51	0	50	50
Women	20	86	106	21	123	144	0	45	45
Temporary employment contracts	43	0	43	36	0	36	28	0	28
Men	38	0	38	33	0	33	22	0	22
Women	5	0	5	3	0	3	6	0	6
Work placements	156	101	257	90	85	175	57	94	151
Men	101	38	139	50	37	87	34	23	57
Women	55	63	118	40	48	88	23	71	94

Financial advisors	ITALY
	2016	2015	2014
Financial advisors	5,848	5,846	5,044
Men	4,704	4,739	4,231
Women	1,144	1,107	813

Overall workforce	2016			2015			2014
	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	GROUP	GROUP
Overall workforce	70,206	24,819	95,025	70,229	23,665	93,894	69,862	24,388	94,250
Men	36,455	9,326	45,781	36,548	9,362	45,910	36,415	9,550	45,965
Women	33,751	15,493	49,244	33,681	14,303	47,984	33,447	14,838	48,285

Includes employees and staff (on various contracts)

Employees per category and gender [%]	2016			2015			2014
Employees per category and gender [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Executives	1.4	2.0	1.6	1.4	2.2	1.6	1.5	2.1	1.6
Men	1.2	1.3	1.2	1.2	1.4	1.2	1.3	1.3	1.3
Women	0.2	0.8	0.4	0.2	0.8	0.4	0.2	0.8	0.4
Middle managers	42.8	22.8	37.3	42.7	24.9	38.0	42.3	24.5	37.4
Men	25.6	13.8	22.3	25.7	15.4	22.9	25.6	15.1	22.7
Women	17.2	9.1	14.9	17.0	9.6	15.0	16.7	9.4	14.7
Professional areas	55.8	75.1	61.2	55.9	72.9	60.4	56.2	73.4	60.9
Men	22.5	22.6	22.5	22.5	22.9	22.6	22.8	22.7	22.8
Women	33.3	52.5	38.7	33.4	50.0	37.8	33.4	50.7	38.1

Figures for Italy for bank staff are as follows: executives (2.2%), middle managers (41.2%) and professional areas (56.5%).

Part-time employees by gender	2016			2015			2014
Part-time employees by gender	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Number of part-time employees/total staff (%)	15.3	1.1	11.3	15.0	0.7	11.2	14.6	0.7	10.8
Breakdown of part-time employees by gender [no.]	9,809	261	10,070	9,623	161	9,784	9,420	167	9,587
Men [no.]	609	28	637	590	19	609	547	18	565
Women [no.]	9,200	233	9,433	9,033	142	9,175	8,873	149	9,022

In Italy, part-time personnel account for 15.3%, 4% more than the Italian figure for the banking sector (11.4%).

Part-time employees by gender [%]

In Italy, women account for 94% of the part-time workforce.

Average age of employees		2016			2015			2014
	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Average age of employees	47.6	41.0	45.8	46.8	41.2	45.3	46.1	40.8	44.7
Men	49.1	42.7	47.7	48.5	43.3	47.3	47.8	43.0	46.7
Women	46.0	40.0	44.1	45.3	39.8	43.6	44.5	39.3	42.9
Executives	52.0	44.9	49.5	51.6	44.5	49.0	52.1	44.4	49.4
Middle managers	50.7	46.3	50.0	49.9	46.3	49.3	49.3	45.9	48.7
Professional areas	45.0	39.3	43.1	44.4	39.3	42.7	43.6	38.9	42.1

Figures for Intesa Sanpaolo and Italy for leading banks are comparable: average age of employees (46.1), men (47.5), women (44.5), executives (51.6), middle managers (49.4) and professional areas (43.5).

International banks: senior managers hired in the local community	2016
	No. of first line managers	No. of first line managers (local recruitment)	% of front line managers hired in the local community/front line managers
Egypt	10	7	70.0
Albania	11	10	90.9
Croatia	27	25	92.6
Romania	10	7	70.0
Serbia	12	9	75.0
Slovenia	12	9	75.0
Hungary	13	10	76.9
Slovakia	10	8	80.0
Ukraine	12	8	66.7
Russia	8	7	87.5

Employees by level of education and gender [%]	2016			2015			2014
Employees by level of education and gender [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Graduates	34.3	61.5	41.8	33.2	65.5	41.8	32.6	63.7	41.1
Men	16.6	26.4	19.3	16.0	28.1	19.3	15.9	27.3	19.0
Women	17.7	35.2	22.5	17.2	37.4	22.6	16.8	36.4	22.1
High school certificate	58.7	33.3	51.6	59.5	28.7	51.3	59.9	30.2	51.8
Men	27.9	8.3	22.5	28.5	7.9	23.0	28.8	8.0	23.1
Women	30.8	25.0	29.2	31.0	20.8	28.3	31.1	22.2	28.7
Other	7.0	5.2	6.5	7.3	5.8	6.9	7.4	6.1	7.1
Men	4.7	3.0	4.2	4.9	3.7	4.6	5.0	3.8	4.7
Women	2.3	2.2	2.3	2.4	2.0	2.3	2.5	2.2	2.4

Intesa Sanpaolo and Italian industry figures for education of leading banks are comparable: graduates and post-graduates (38.1%), high school certificate (56.5%), other (5.5%).

Average employee seniority [years]		2016			2015			2014
	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total average seniority	21.8	13.2	19.4	21.1	13.5	19.1	20.5	13.2	18.5
Men	22.6	14.8	20.9	22.1	15.6	20.6	21.5	15.4	20.1
Women	21.0	12.2	18.2	20.2	12.1	17.8	19.5	11.8	17.1
Executives	19.4	11.9	16.7	19.1	11.9	16.5	20.0	11.8	17.1
Middle managers	25.1	18.8	24.0	24.4	19.0	23.5	23.8	18.6	22.9
Professional areas	19.3	11.5	16.7	18.7	11.6	16.4	17.9	11.4	15.8

Employees belonging to protected categories [%]	2016			2015			2014
Employees belonging to protected categories [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Disabled persons	4.8	1.3	3.8	4.7	1.3	3.8	4.6	1.0	3.6
Men	2.8	0.6	2.2	2.8	0.6	2.2	2.8	0.6	2.2
Women	1.9	0.7	1.6	1.8	0.6	1.5	1.8	0.5	1.4
Protected categories	1.6	0.1	1.2	1.6	0.1	1.2	1.6	0.1	1.2
Men	0.9	0.1	0.7	0.9	0.0	0.7	0.9	0.0	0.7
Women	0.7	0.1	0.5	0.7	0.1	0.5	0.7	0.1	0.5

Employees by age bracket [%]	2016			2015			2014
Employees by age bracket [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
≤30	3.0	15.8	6.5	3.2	15.4	6.5	4.2	17.1	7.7
Men	1.5	5.3	2.5	1.4	5.1	2.4	1.7	5.3	2.7
Women	1.5	10.5	4.0	1.8	10.3	4.1	2.5	11.8	5.0
31-50	55.1	62.5	57.1	58.0	62.1	59.1	60.0	61.3	60.3
Men	22.9	21.0	22.4	24.7	21.8	23.9	26.1	21.8	24.9
Women	32.1	41.5	34.7	33.3	40.3	35.2	33.9	39.5	35.4
>50	42.0	21.8	36.4	38.8	22.5	34.4	35.9	21.6	32.0
Men	24.8	11.4	21.1	23.3	12.8	20.5	21.8	12.0	19.2
Women	17.1	10.4	15.3	15.5	9.7	13.9	14.0	9.6	12.8

The Italian industry figures for the percentage breakdown of bank employees by age group are is as follows: ≤ 30 (4.7%), 31-50 (59%) and > 50 (36.3%).

Employment by gender and age	2016			2015			2014
Employment by gender and age	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	1,098	3,023	4,121	792	2,050	2,842	477	2,209	2,686
Men	663	1,122	1,785	447	760	1,207	281	794	1,075
Women	435	1,901	2,336	345	1,290	1,635	196	1,415	1,611
<=30	654	1,677	2,331	410	1,141	1,551	256	1,351	1,607
31-50	419	1,245	1,664	366	860	1,226	206	812	1,018
>50	25	101	126	16	49	65	15	46	61

Employment rate by gender and age [%]	2016			2015			2014
Employment rate by gender and age [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	1.7	12.3	4.6	1.2	8.8	3.2	0.7	9.1	3.0
Men	2.1	12.1	4.4	1.4	8.2	2.9	0.9	8.4	2.6
Women	1.3	12.4	4.9	1.1	9.1	3.5	0.6	9.6	3.4
<=30	34.2	43.3	40.3	19.8	31.7	27.4	9.5	32.6	23.5
31-50	1.2	8.1	3.3	1.0	5.9	2.4	0.5	5.5	1.9
>50	0.1	1.9	0.4	0.1	0.9	0.2	0.1	0.9	0.2

Termination by gender and age	2016			2015			2014
Termination by gender and age	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	893	4,247	5,140	1,257	2,793	4,050	979	2,537	3,516
Men	574	1,656	2,230	834	926	1,760	592	931	1,523
Women	319	2,591	2,910	423	1,867	2,290	387	1,606	1,993
<=30	79	1,088	1,167	103	794	897	87	840	927
31-50	295	2,250	2,545	326	1,339	1,665	358	1,170	1,528
>50	519	909	1,428	828	660	1,488	534	527	1,061

Termination rate by gender and age [%]	2016			2015			2014
Termination rate by gender and age [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	1.4	17.3	5.8	2.0	11.9	4.6	1.5	10.5	4.0
Men	1.8	17.9	5.5	2.6	10.0	4.3	1.8	9.8	3.7
Women	1.0	16.9	6.1	1.3	13.2	4.9	1.2	10.9	4.2
<=30	4.1	28.1	20.2	5.0	22.1	15.8	3.2	20.3	13.5
31-50	0.8	14.6	5.0	0.9	9.2	3.2	0.9	7.9	2.8
>50	1.9	17.0	4.4	3.3	12.5	4.9	2.3	10.1	3.7

Termination by reason [no.]	2016			2015			2014
Termination by reason [no.]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Employment ended in the year	893	4,247	5,140	1,257	2,793	4,050	979	2,537	3,516
Termination due to resignation	348	1,460	1,808	383	737	1,120	405	662	1,067
Termination due to retirement	62	261	323	27	212	239	9	218	227
Termination due to exit incentives	291	0	291	651	0	651	385	0	385
Termination due to death^*	82	41	123	-	-	-	-	-	-
Termination due to other reasons - with incentives	21	745	766	27	452	479	13	306	319
Termination due to other reasons - without incentives	61	1,527	1,588	145	1,212	1,357	135	1,167	1,302
Terminations due to the expiry of fixed-term contracts	28	213	241	24	180	204	30	184	214
Termination of employment contracts - apprenticeships	0	0	0	0	0	0	2	0	2
Termination of open-ended employment contracts	0	0	0	0	0	0	0	0	0

Employment contracts, special contracts for safeguarding employment, are an exclusively Italian form of contract.

^* Figure beginning to be monitored in 2016.

Turnover by gender and age	2016			2015			2014
Turnover by gender and age	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	205	-1,224	-1,019	-465	-743	-1,208	-502	-328	-830
Men	89	-534	-445	-387	-166	-553	-311	-137	-448
Women	116	-690	-574	-78	-577	-655	-191	-191	-382
<=30	575	589	1,164	307	347	654	169	511	680
31-50	124	-1,005	-881	40	-479	-439	-152	-358	-510
>50	-494	-808	-1,302	-812	-611	-1,423	-519	-481	-1,000

Turnover rate by gender and age [%]	2016			2015			2014
Turnover rate by gender and age [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	0.3	-4.7	-1.1	-0.7	-3.1	-1.4	-0.8	-1.3	-0.9
Men	0.3	-5.5	-1.1	-1.2	-1.8	-1.3	-1.0	-1.4	-1.1
Women	0.4	-4.3	-1.2	-0.2	-3.9	-1.4	-0.6	-1.3	-0.8
<=30	43.1	17.9	25.2	17.5	10.7	13.1	6.7	14.1	11.0
31-50	0.4	-6.1	-1.7	0.1	-3.2	-0.8	-0.4	-2.4	-0.9
>50	-1.8	-13.1	-3.9	-3.2	-10.4	-4.5	-2.2	-8.4	-3.4

PROFESSIONAL DEVELOPMENT

Number of promotions by gender	2016			2015			2014
Number of promotions by gender	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	1,342	2,462	3,804	4,417	1,589	6,006	3,658	1,396	5,054
Men	518	1,370	1,888	1,863	853	2,716	1,448	760	2,208
Women	824	1,092	1,916	2,554	736	3,290	2,210	636	2,846
Staff promoted [%]	2.1	10.0	4.3	6.9	6.8	6.9	5.7	5.8	5.7

Average gross base salary by category and gender [thousands of euro]	2016			2015			2014
	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Executives	146.0	66.3	118.8	142.4	67.4	116.7	139.0	66.5	115.4
Men	149.9	73.6	128.2	145.5	74.3	125.3	142.7	74.3	124.7
Women	126.1	53.0	87.2	124.0	54.8	85.5	115.6	52.8	80.3
Middle managers	56.0	19.1	49.8	55.4	23.1	49.8	52.7	22.9	47.5
Men	58.8	17.3	51.7	58.2	23.2	51.9	55.6	22.9	49.6
Women	51.7	21.9	46.8	51.2	22.9	46.5	48.5	23.0	44.2
Professional areas	36.7	11.5	28.2	36.3	12.3	28.6	34.0	12.4	27.0
Men	38.5	11.9	31.0	38.2	13.4	31.3	35.8	13.4	29.6
Women	35.5	11.4	26.6	35.1	11.8	27.0	32.9	11.9	25.4

Minimum remuneration in the Group for new recruits is always the retribution of national collective bargaining agreements for the industry, for various categories of staff. At an international level, minimum remuneration is related to regulations and the cost of living of the relative country.

Basic salary levels for female staff, with comparable roles and seniority terms, do not differ from salary levels for male staff.

Remuneration by category and gender [thousands of euro]	2016			2015			2014
Remuneration by category and gender [thousands of euro]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Male executives	191.5	88.4	162.1	189.7	88.7	161.1	156.8	79.0	136.4
Female executives	156.8	61.2	105.8	152.6	63.5	103.0	123.7	56.4	85.9
Male middle managers	62.7	19.7	55.3	61.6	25.7	55.2	55.6	24.7	49.9
Female middle managers	54.4	24.4	49.5	53.6	25.5	48.9	48.5	24.7	44.5
Male professional areas	39.6	13.1	32.1	38.7	14.6	32.1	35.8	14.4	29.9
Female professional areas	36.5	12.9	27.8	35.6	13.3	27.8	32.9	13.2	25.8
Average annual remuneration of all employees	49.2	16.3	40.1	48.2	18.1	40.2	43.8	17.5	36.7

This includes basic gross average remuneration and the variable component.

Male/female remuneration ratio [%]	2016			2015			2014
Male/female remuneration ratio [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Ratio of Basic Gross Average remuneration: Executives - women vs. men	0.8	0.7	0.7	0.9	0.7	0.7	0.8	0.7	0.6
Ratio of Basic Gross Average remuneration: Middle managers - women vs. men	0.9	1.3	0.9	0.9	1.0	0.9	0.9	1.0	0.9
Ratio of Basic Gross Average remuneration: Professionals - women vs. men	0.9	1.0	0.9	0.9	0.9	0.9	0.9	0.9	0.9
Ratio of total average compensation (fixed + variable): Executives - women vs. men	0.8	0.7	0.7	0.8	0.7	0.6	0.8	0.7	0.6
Ratio of total average compensation (fixed + variable): Middle managers - women vs. men	0.9	1.2	0.9	0.9	1.0	0.9	0.9	1.0	0.9
Ratio of total average compensation (fixed + variable): Professionals - women vs. men	0.9	1.0	0.9	0.9	0.9	0.9	0.9	0.9	0.9

Basic remuneration is annual, before tax. Remuneration is calculated as the salary plus any bonus/reward system.

Performance appraisal	2016	2015	2014
Performance appraisal	ABROAD	ABROAD	ABROAD
Employees with annual performance appraisal [%]	87.3	94.1	92.1
Men	94.1	97.4	97.7
Women	83.3	92.0	88.6
Employees with annual performance appraisal [no.]	21,483	22,047	22,296
Men	8,706	9,043	9,255
Women	12,777	13,004	13,041

In Italy, all staff have a performance appraisal.

Breakdown of branch personnel by category and gender [%]	2016			2015			2014
Breakdown of branch personnel by category and gender [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Directors	12.2	9.6	11.5	12.2	10.4	11.8	9.9	9.9	9.9
Men	8.0	4.1	7.0	8.1	4.2	7.1	6.9	4.1	6.2
Women	4.2	5.5	4.5	4.1	6.2	4.6	3.0	5.8	3.7
Executive directors	60.5	44.1	56.2	60.4	45.0	56.7	64.3	48.5	60.6
Men	20.6	12.7	18.5	20.8	13.5	19.1	24.3	14.0	21.9
Women	39.9	31.4	37.7	39.6	31.5	37.6	40.0	34.4	38.7
Other	27.3	46.3	32.2	27.4	44.6	31.6	25.8	41.6	29.5
Men	14.9	14.1	14.7	14.7	15.6	14.9	12.7	14.1	13.0
Women	12.5	32.1	17.5	12.7	29.0	16.6	13.1	27.5	16.5

TRAINING

Training by content [%]	2016			2015			2014
Training by content [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Managerial	5.2	10.7	6.1	13.2	16.4	13.7	12.6	9.6	12.1
Commercial	2.8	19.3	5.7	10.2	13.6	10.8	6.4	14.3	7.8
Operational	12.9	21.1	14.3	16.0	19.0	16.5	11.8	22.7	13.7
Credit	4.1	9.9	5.1	3.9	9.5	4.8	9.2	10.3	9.4
Finance	42.4	4.9	35.9	27.7	6.6	24.5	31.9	5.7	27.2
Abroad	0.2	0.1	0.2	0.1	0.3	0.2	0.2	0.1	0.2
IT	1.8	3.9	2.2	1.1	6.0	1.8	0.8	6.7	1.9
Specialist	27.9	22.9	27.0	23.1	20.7	22.7	23.7	25.4	24.0
Language	2.7	7.2	3.5	4.6	7.9	5.1	3.5	5.2	3.8

Aid and benefits received relative to personnel [thousands of euro]	2016			2015			2014
	ITALY	ABROAD*	GROUP	ITALY	ABROAD*	GROUP	ITALY	ABROAD*	GROUP
Aid and benefits received - relative to personnel	6,597	157	6,754	8,632	0	8,632	6,100	1,154	7,254
Aid and benefits received - personnel: of which funded training (only Italy)	6,418	0	6,418	5,792	0	5,792	5,768	0	5,768
Aid and benefits received - personnel: of which other	179	157	336	2,840	0	2,840	332	1,154	1,486

^* The amount only refers to Banca Intesa Russia.

Specific training for the prevention of corruption	2016			2015			2014
Specific training for the prevention of corruption	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Executives [%]	17.6	11.6	15.5	25.4	6.8	18.6	42.4	14.3	32.5
Middle managers [%]	32.3	56.1	36.4	49.6	33.3	46.8	74.8	49.2	70.3
Professional areas [%]	38.8	60.3	46.1	48.5	32.8	43.4	62.1	39.5	54.7
Participants [%]	35.7	58.4	42.0	48.6	32.3	44.3	67.2	41.4	60.2
Number of hours of specific training	116,960	47,366	164,326	128,170	29,829	158,000	162,611	40,254	202,865
Hours of specific training/total hours of training [%]	3.6	7.0	4.2	3.7	4.7	3.8	4.7	5.3	4.8

Training by category and gender [average hours]	2016			2015			2014
Training by category and gender [average hours]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Directors	31.6	35.2	32.9	42.8	28.6	37.6	38.6	41.7	39.7
Men	30.9	34.9	32.1	41.7	30.4	38.3	38.0	38.0	38.0
Women	35.5	35.7	35.6	49.3	25.4	35.4	42.3	48.1	45.7
Executive directors	52.1	24.5	47.4	60.3	26.6	54.4	59.7	30.3	54.4
Men	50.7	20.7	45.6	59.4	24.0	53.1	58.9	24.2	52.6
Women	54.2	30.3	50.1	61.6	30.7	56.4	60.8	40.2	57.2
Other	49.5	28.0	42.2	50.1	27.3	42.8	50.2	31.7	44.1
Men	46.6	30.6	42.1	48.3	27.8	42.8	46.8	28.4	41.8
Women	51.6	26.9	42.3	51.3	27.0	42.7	52.4	33.2	45.5

Training by procedure	2016			2015			2014
Training by procedure	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Classroom training [% of hours]	28.4	82.7	37.7	37.3	81.3	44.1	40.4	77.6	47.1
Remote training [% of hours]	71.6	17.3	62.3	62.7	18.7	55.9	59.6	22.4	52.9
Number of persons registered	61,845	19,117	80,962	63,555	18,689	82,244	63,593	20,092	83,685
Hours of training provided (classroom + remote learning)^* [no.]	3,231,110	672,512	3,903,621	3,492,143	635,087	4,127,230	3,495,843	764,664	4,260,507
Hours of training per employee [no.]	50.4	27.3	44.0	54.4	27.1	47.1	54.0	31.6	47.9

^* Does not include WebTv training.

Hours of training on health and safety	2016			2015			2014
Hours of training on health and safety	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Hours of training on health and safety	143,980	11,495	155,475	114,938	18,271	133,209	53,745	15,042	68,787
Costs of health and safety training [thousands of euro]	686	526	1,212	604	40	644	689	39	728
Hours of health and safety training per employee	2.2	0.5	1.8	1.8	0.8	1.5	0.8	0.6	0.8

Training costs	2016			2015			2014
Training costs	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Training costs [thousands of euro]	25,244	5,899	31,143	26,156	5,730	31,886	27,608	5,671	33,279
Training costs per staff member [euro]	394	240	351	407	245	364	426	234	374

INTERNAL COMMUNICATION

Internal communication	2016	2015	2014
WebTv total access^*	1,022,390	1,019,751	600,021
House organ: total number of online visits	447,522	783,426	694,818

Company climate	2016	2015	2014
Climate analysis (% taking part in the survey out of the selected sample)	55.2	52.1	0.0	-	51.0	51.0
Employee satisfaction index [%]	78.0	77.0	0.0	-	67.0	78.0
Change in the employee satisfaction index compared to the previous period	13.0	-1.0	0.0	-	23.0	4.5
Climate analysis number	1	7	-	-	1	1
Number of internal communication events	105	253	110	153	110	165
Number of focus groups	61	17	29	5	31	7
Number of participants in focus groups	488	211	251	93	330	763

TRADE UNION FREEDOM AND LITIGATION

Trade union freedom	2016			2015			2014
Trade union freedom	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Percentage of employees registered with a trade union	75.7	33.8	64.1	76.2	35.7	65.3	76.3	35.8	65.3
Days' absence for trade union reasons (all permits for trade unionists)	78,924	578	79,502	81,581	332	81,913	75,257	570	75,827
Days' absence for meetings/strikes (also employees who are not trade unionists)	2,325	131	2,456	55,334	125	55,459	19,132	117	19,249
Days' absence for involvement in strikes	383	0	383	38,229	0	38,229	10,791	0	10,791
Days' absence for meetings	1,942	131	2,073	17,104	125	17,229	8,342	117	8,459

The National Collective Bargaining Agreement for the sector covers all employees in Italy.

Disciplinary measures taken against staff	2016			2015			2014
Disciplinary measures taken against staff	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Written criticism and verbal or written reprimand	333	207	540	310	166	476	312	325	637
Reduction in remuneration	0	118	118	0	238	238	6	138	144
Suspension from work without remuneration (from 1 to 10 days)	153	0	153	223	2	225	229	1	230
Dismissal for just cause or justified reason	23	211	234	37	215	252	34	229	263
Disciplinary sanctions due to staff corruption	0	0	0	0	0	0	0	0	0
Dismissal due to corruption	0	10	10	0	3	3	0	1	1

In Italy, collective bargaining requires prior consultation with workers' representatives in the case of major restructuring, with a procedure for companies lasting 45 days, and a procedure for the Group lasting 50 days.

Proceedings pending with staff	2016			2015			2014
Proceedings pending with staff	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Termination of employment	5	103	108	23	125	148	32	119	151
Establishment and performance of employment	102	6	108	120	3	123	92	6	98
Duties and qualifications	36	25	61	48	33	81	32	43	75
Welfare and assistance	1	5	6	3	2	5	5	3	8
Remuneration	178	51	229	165	47	212	168	26	194
Anti-trade union behaviour	0	0	0	0	0	0	1	1	2
Active (promoted by the bank vis-à-vis staff)	2	109	111	3	198	201	5	97	102
Causes due to mobbing	0	0	0	0	0	0	0	0	0
Miscellaneous	9	44	53	16	46	62	27	53	80
Request from the Provincial Directorate of Labour	1	0	1	1	0	1	53	0	53

COMPANY WELFARE, HEALTH AND SAFETY

Contributions for staff [thousands of euro]	2016			2015			2014
Contributions for staff [thousands of euro]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Insurance and accident policies	12,914	967	13,881	10,730	1,620	12,350	6,883	1,899	8,782
Loyalty bonus	26,601	250	26,850	23,518	303	23,820	17,813	209	18,022
Study contributions for employees' children	3,115	87	3,202	3,066	111	3,177	2,892	88	2,981
Recreational and cultural activities	2,258	1,027	3,285	3,861	965	4,826	2,938	1,132	4,070
Contributions for employees' children with disabilities	1,993	29	2,022	1,932	28	1,959	1,789	26	1,815

Supplementary healthcare and welfare	2016			2015			2014
Supplementary healthcare and welfare	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Health policies [thousands of euro]	71,499	1,825	73,324	72,393	3,350	75,742	70,396	3,181	73,577
Health assistance: persons assisted	63,823	6,472	70,295	64,213	7,650	71,863	61,962	7,631	69,593
Supplementary retirement benefits [thousands of euro]	131,089	4,005	135,094	129,758	4,083	133,841	121,043	4,393	125,436
Supplementary retirement benefits: persons assisted	61,637	5,783	67,420	64,535	5,967	70,502	62,076	6,139	68,215

Credit facilities for staff	2016			2015			2014
Credit facilities for staff	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Mortgages [no.]	3,239	1,237	4,476	2,859	905	3,764	2,765	817	3,582
Total mortgages disbursed [thousands of euro]	515,315	78,116	593,431	437,779	52,683	490,462	402,070	44,194	446,264
Loans [no.]	13,288	4,921	18,209	14,999	4,541	19,540	8,074	4,196	12,270
Total loans disbursed [thousands of euro]	134,100	31,574	165,674	140,390	51,859	192,249	103,430	50,304	153,734

Loans granted to all personnel with an open-ended contract, with the exception of loans at special rates granted to staff with apprenticeships.

Parental leave	2016	2015	2014
	ITALY	ITALY	ITALY
Number of employees entitled to parental leave	63,336	63,403	63,947
Men	31,132	31,217	31,648
Women	32,204	32,186	32,299
Number of employees using parental leave	3,510	4,374	4,067
Men	284	357	235
Women	3,226	4,017	3,832
Number of employees returning to work after leave	2,786	3,262	2,893
Men	278	312	207
Women	2,508	2,950	2,686
Number of employees returning to work, who are still bank employees in the following 12 months	2,819	3,192	3,740
Men	278	278	159
Women	2,541	2,914	3,581

	ITALY
Parental leave - Rates [%]	2016	2015	2014
Parental leave - Rates [%]	Rate of return to work after parental leave^*	79.4	74.6	71.1
Men	97.9	87.4	88.1
Women	77.7	73.4	70.1

^* Calculated as the number of employees returning to work after leave out of the number of employees using parental leave.

Retention rate of returning employees, who are still employees: not available. Due to the variety and complexity of leave that may be used, it would be necessary to monitor each employee to calculate the indicator, affecting their privacy rights.

Absence by reason and gender - days lost [no.]	2016			2015			2014
Absence by reason and gender - days lost [no.]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total absences	954,426	964,380	1,918,807	1,024,506	836,883	1,861,389	917,627	800,168	1,717,794
Illness	451,938	163,931	615,870	468,508	168,547	637,055	409,732	132,103	541,835
Men	213,314	25,900	239,214	218,930	25,840	244,771	187,589	27,038	214,626
Women	238,625	138,031	376,656	249,578	142,707	392,285	222,144	105,066	327,209
Accident	15,217	2,409	17,626	14,558	2,591	17,148	14,204	3,268	17,472
Men	7,668	352	8,020	6,763	533	7,296	7,017	578	7,595
Women	7,548	2,057	9,605	7,794	2,058	9,852	7,188	2,690	9,878
Child care	235,468	503,644	739,112	286,316	392,537	678,853	272,834	426,556	699,390
Men	5,013	4,309	9,322	6,228	3,354	9,582	7,527	2,743	10,270
Women	230,455	499,335	729,790	280,088	389,183	669,271	265,307	423,813	689,120
Personal and family reasons	115,173	236,257	351,430	121,076	233,819	354,895	101,901	211,914	313,814
Men	42,488	144,084	186,571	44,111	160,409	204,520	35,048	167,968	203,015
Women	72,685	92,174	164,859	76,965	73,410	150,375	66,853	43,946	110,799
Leave for public positions	7,951	519	8,470	7,200	186	7,386	7,935	227	8,162
Men	5,539	145	5,684	5,268	93	5,361	5,785	95	5,880
Women	2,412	374	2,786	1,932	93	2,025	2,150	132	2,282
Leave to donate blood and make other donations	8,038	136	8,173	7,949	119	8,068	7,222	135	7,357
Men	6,021	44	6,065	6,004	27	6,031	5,415	29	5,444
Women	2,017	92	2,109	1,945	92	2,037	1,807	106	1,913
Disability	108,244	983	109,227	102,985	820	103,805	89,607	856	90,463
Men	49,297	410	49,707	47,462	247	47,709	40,171	282	40,453
Women	58,948	573	59,521	55,522	573	56,095	49,436	574	50,010
Other	12,397	56,502	68,899	15,915	38,265	54,179	14,192	25,109	39,301
Men	7,069	14,086	21,154	9,966	6,627	16,592	8,139	5,942	14,080
Women	5,328	42,416	47,744	5,949	31,638	37,587	6,054	19,168	25,221

Days lost are calculated based on calendar business days.

Absence by reason and gender [%]	2016			2015			2014
Absence by reason and gender [%]	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total	6.76	17.82	9.83	7.25	16.24	9.65	6.44	15.03	8.78
Men	2.38	3.50	2.69	2.44	3.83	2.81	2.08	3.84	2.56
Women	4.38	14.32	7.14	4.81	12.42	6.84	4.36	11.19	6.22
Illness	3.20	3.03	3.16	3.32	3.27	3.30	2.88	2.48	2.77
Men	1.51	0.48	1.23	1.55	0.50	1.27	1.32	0.51	1.10
Women	1.69	2.55	1.93	1.77	2.77	2.03	1.56	1.97	1.67
Accident	0.11	0.04	0.09	0.10	0.05	0.09	0.10	0.06	0.09
Men	0.05	0.01	0.04	0.05	0.01	0.04	0.05	0.01	0.04
Women	0.05	0.04	0.05	0.06	0.04	0.05	0.05	0.05	0.05
Child care	1.67	9.31	3.79	2.03	7.62	3.52	1.92	8.01	3.57
Men	0.04	0.08	0.05	0.04	0.07	0.05	0.05	0.05	0.05
Women	1.63	9.23	3.74	1.98	7.55	3.47	1.86	7.96	3.52
Personal and family reasons	0.82	4.37	1.80	0.86	4.54	1.84	0.72	3.98	1.60
Men	0.30	2.66	0.96	0.31	3.11	1.06	0.25	3.16	1.04
Women	0.52	1.70	0.84	0.54	1.42	0.78	0.47	0.83	0.57
Leave for public positions	0.06	0.01	0.04	0.05	0.00	0.04	0.06	0.00	0.04
Men	0.04	0.00	0.03	0.04	0.00	0.03	0.04	0.00	0.03
Women	0.02	0.01	0.01	0.01	0.00	0.01	0.02	0.00	0.01
Leave for blood donations	0.06	0.00	0.04	0.06	0.00	0.04	0.05	0.00	0.04
Men	0.04	0.00	0.03	0.04	0.00	0.03	0.04	0.00	0.03
Women	0.01	0.00	0.01	0.01	0.00	0.01	0.01	0.00	0.01
Disability	0.77	0.02	0.56	0.73	0.02	0.54	0.63	0.02	0.46
Men	0.35	0.01	0.25	0.34	0.00	0.25	0.28	0.01	0.21
Women	0.42	0.01	0.30	0.39	0.01	0.29	0.35	0.01	0.26
Other	0.09	1.04	0.35	0.11	0.74	0.28	0.10	0.47	0.20
Men	0.05	0.26	0.11	0.07	0.13	0.09	0.06	0.11	0.07
Women	0.04	0.78	0.24	0.04	0.61	0.19	0.04	0.36	0.13

Absenteeism and occupational disease - rates	2016			2015			2014
Absenteeism and occupational disease - rates	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Rate of absenteeism^*	4.20	3.10	3.90	4,65	3,35	4,30	3.85	2,57	3,50
Men	4,07	1,32	3,45	4,50	1,31	3,78	3.61	1.35	3.09
Women	4,34	4,18	4,29	4,79	4.68	4,76	4.08	3.35	3.86
Rate of occupational disease^**	0,00	0,00	0,00	0,00	0,00	0,00	0,00	0,00	0,00

^* The rate of absenteeism is the ratio between the number of days lost for illness, accidents (including accidents requiring first aid), public office, blood donation and other leave, disability, meeting/strikes and theoretical working days.

^** The rate of occupational disease is equal to the total number of times leave is taken because of occupational disease divided by the total number of hours worked.

Accidents by year and gender	2016			2015			2014
Accidents by year and gender	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total accidents in the year [no.]	773	94	867	817	92	909	775	103	878
Men	341	24	365	349	20	369	321	17	338
Women	432	70	502	468	72	540	454	86	540
Accident rate^*	8,48	2,83	6,96	8,99	2,85	7,37	8.36	3,05	6,93
Men	7,08	1,92	6,05	7,26	1,56	6,08	6.53	1.28	5.43
Women	10.06	3,39	7,82	10,92	3,70	8,61	10.44	4.19	8.38
Working days lost [no.]	15,217	2,409	17,626	14,558	2,591	17,148	14,204	3,268	17,472
Men	7,668	352	8,020	6,763	533	7,296	7,017	578	7,595
Women	7,548	2,057	9,605	7,794	2,058	9,852	7,188	2,690	9,878
Rate of working days lost^**	0.16	0,06	0,13	0,15	0,07	0,13	0,14	0,08	0,13
Men	0,15	0,02	0,12	0.13	0.04	0,11	0,14	0,14	0.11
Women	0,16	0,08	0.13	0.17	0.09	0,14	0,14	0,14	0.14
Percentage of accidents out of the number of employees	1.2	0.4	1.0	1.3	0.4	1.0	1.2	0.4	1.0

^* Accident rate = (total number of accidents in the year / total hours worked) x 1,000,000. For better comprehension, this indicator was calculated using a multiplication factor equal to 1,000,000 (hours worked).

^** Rate of working days lost (or severity index) = (number of days lost / total number of working hours) x 1,000. For better comprehension, this indicator was calculated using a multiplication factor equal to 1,000 (hours worked). Working days lost include accidents requiring first aid.

Accidents at work and on the way to/from work	2016			2015			2014
Accidents at work and on the way to/from work	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Accidents at work [no.]	239	30	269	191	20	211	191	26	217
Men [no.]	105	4	109	82	6	88	72	4	76
Women [no.]	134	26	160	109	14	123	119	22	141
Rate of accidents at work^*	2,62	0,90	2,16	2,10	0,62	1,71	2,06	0,77	1,71
Men	2,18	0,32	1,81	1,71	0,47	1,45	1.46	0.30	1.22
Women	3,12	1,26	2,49	2,54	0,72	1,96	2.74	1.07	2.19
Accidents on the way to/from work [no.]	534	64	598	626	72	698	584	77	661
Men [no.]	236	20	256	267	14	281	249	13	262
Women [no.]	298	44	342	359	58	417	335	64	399
Rate of accidents on the way to/from work^**	5,86	1,93	4,80	6,89	2,23	5,66	6,30	2.28	5,22
Men	4,90	1,60	4.24	5,55	1,09	4,63	5.06	0.98	4.21
Women	6,94	2,13	5,33	8,38	2,98	6,65	7.70	3.12	6.19

^* Rate of accidents at work = (total number of accidents at work in the year / total hours worked) x 1,000,000. For better comprehension, this indicator was calculated using a multiplication factor equal to 1,000,000 (hours worked).

^** Rate of accidents on the way to/from work = (total number of accidents on the way to/from work in the year / total hours worked) x 1,000,000. For better comprehension, this indicator was calculated using a multiplication factor equal to 1,000,000 (hours worked).

Accidents by type	2016			2015			2014
Accidents by type	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Total accidents	773	94	867	817	92	909	775	103	878
Accidents while driving	356	10	366	381	21	402	363	19	382
Falls/slipping	219	44	263	114	39	153	278	43	321
Robberies	7	7	14	7	2	9	8	5	13
Other	191	33	224	315	30	345	126	36	162

Health and safety	2016			2015			2014
Health and safety	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Number of cases presented for occupational disease	9	0	9	6	0	6	3	0	3
Number of serious/very serious accidents	163	8	171	155	3	158	115	19	134
Number of serious/very serious accidents with res judicata sentence	0	3	3	0	2	2	0	7	7
Deaths at work, with res judicata sentence	0	0	0	0	0	0	0	0	0

Robberies	2016			2015			2014
Robberies	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP	ITALY	ABROAD	GROUP
Robberies	21	4	25	54	8	62	60	12	72
Robberies for every 100 bank counters	0.6	0.4	0.5	1.5	0.8	1.3	1.5	1.1	1.4