Human Rights Risk deriving from inappropriate operations in supplier companies with regard to the respect for human rights Risk of losses due to sanctions and/or legal disputes resulting from inappropriate operations in supplier companies with regard to the respect for human rights Group regulations for the purchasing process and payables cycle, and relevant procedures Projects included in the Sustainability Business Plan in the value chain Corruption Changes, infringement of law and compliance risk Risk of losses due to sanctions and/or legal disputes resulting from non-compliance with procedures regarding anti-corruption, crime prevention pursuant to Italian Legislative Decree conflicts of interest in performing banking and intermediation activities Group Policy governing the risk of non-compliance with anticorruption law Corruption Failure to train personnel Risk of losses due to sanctions and/or legal disputes resulting from the failure to train and inform personnel and contractors on the performance of the company’s business with regard to compliance with anti-corruption legislation Group Policy governing the risk of non-compliance with anticorruption law The objective of implementing a process to monitor ESG issues and items directly linked to the RAF is confirmed for 2020, also in line with the regulatory developments in the sector.