This information has been useful in the definition of credit policy guidelines at the level of the annual forecast (short term), which have taken into account environmental issues, in particular by carrying out an assessment on climate, environmental and sustainability risks through the “penalisation” of those intensive coal industries such as “extractive activities” (out), “petroleum products” (out), "gas/electricity" (out), "transport and storage" (out), "steel" (neutral) and "plastic" (neutral), focusing instead on the growth of "green financing" and "technological innovation", transversal to the economic sectors, which should ensure greater competitiveness of the beneficiary companies (“IN” sectors).