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SUSTAINABILITY IS OUR INVESTMENT IN THE FUTURE

Always part of our DNA

Sustainability has always been a part of Fineco and represents a fundamental element of our path to creating long-term value for our current and future stakeholders.
To achieve this goal, we have chosen to pursue transparency and fair prices for the services we offer, in line with our corporate purpose: offering our clients quality services and products through a multi-channel system in the three areas of integrated banking, investing and brokerage - at a fair price. And this approach is now being accompanied by a set of ESG goals to be achieved by 2023.

Sustainability Governance

Sustainability is an integral part of our corporate governance: alongside the two main governing bodies typical of the traditional administration and control system adopted by Fineco, namely the Board of Directors - with strategic supervision functions - and the Board of Statutory Auditors - with control functions -, we established Sustainability Committees both at Board and Executive level, and created a Sustainability Team, together in charge of defining and overseeing our sustainability strategy fully integrated in our Multi-Year Plan.

Sustainability Strategy

At Fineco, we firmly believe that sustainable development is the most far-sighted and stable choice. In fact, Fineco was founded on three main pillars: efficiency, innovation and transparency, which are the key principles of our strategy, leading the way towards sustainable growth.
Our commitment to doing business in an ethical and respectful manner, integrating economic, environmental and social sustainability objectives into our long-term strategy in an increasingly structured manner, has led to the approval by the corporate bodies of a first set of ESG objectives to be pursued by 2023 within six business areas: Human Resources, Responsible Finance, Financial Education and Community Support, Supply Chain, Shareholders and Environment.

Risk management

Fineco has always promoted a solid risk culture based on shared values and consistent behaviour, which are necessary to ensure long-term sustainable profitability. The Risk Management function is responsible for identifying, quantifying and mitigating the Group's risks, using an effective and efficient centralized Internal Control System (ICS).
In line with the evolution of the company's ESG strategy, Fineco has integrated some of its main risk management tools - the Risk Appetite Framework (RAF) and the system of operational risk indicators - with specific indicators linked to strategic sustainability objectives.

Business integrity

If business is at the core of the Group’s operations, compliance and integrity are how it carries out its business activities. For this reason, the top management interprets and disseminates the culture of respect, prudence and integrity to all those working on behalf of Fineco through the Compliance Culture - Tone from the Top initiative. FinecoBank S.p.A. has also adopted an Organisational and Management Model pursuant to Legislative Decree 231/01, with the aim of providing banking and financial services to its customers while respecting the value of integrity, a Code of Ethics, an integral part of Model 231, and other policies aimed at promoting a culture of compliance in the areas of anti-corruption, conflict of interest, antitrust and unfair commercial practices, whistleblowing, human rights and tax compliance.

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Pubblico Avviso alla clientela dei Comuni oggetto di ordinanza (v. all'allegato n. 1 al decreto del Presidente del Consiglio dei ministri del 23 febbraio 2020).

A testimonianza dell’attenzione verso la propria Clientela, Fineco ha deciso di intraprendere un’azione a favore dei Clienti che vivono nei Comuni coinvolti dall'emergenza Coronavirus – Covid19.

Fino al 15 aprile 2020 i titolari di mutui Fineco relativi a edifici ubicati nei comuni indicati nel decreto, possono richiedere la sospensione del pagamento delle rate di mutuo fino alla cessazione dello stato di emergenza (dichiarato per un periodo di 6 mesi dalla delibera del Consiglio dei ministri del 31 gennaio 2020).
Tale misura non comporterà alcun costo aggiuntivo né l’applicazione di interessi di mora.

E’ possibile contattare il numero verde 800.52.52.52 per reperire le informazioni necessarie al fine di attivare la sospensione del pagamento delle rate con decorrenza dalla prima rata utile successiva alla richiesta.

Si precisa che la sospensione non costituisce in alcun modo novazione del contratto di mutuo e resta ferma ogni altra modalità, patto, condizione e garanzia di cui al contratto di mutuo, con particolare riferimento alla garanzia ipotecaria.Le rate sospese inizieranno a decorrere al termine del periodo di sospensione con corrispondente allungamento del piano di rimborso per una durata pari al periodo di sospensione stesso, mantenendo la loro attuale periodicità.