It adopts the Corporate governance code for listed companiesCorporate governance code for listed companiesCorporate governance code for listed companiesCorporate governance code for listed companies and the European code of conduct European code of conduct European code of conduct European code of conduct on housing loanson housing loanson housing loanson housing loans and it has adhered to the Italian code of conduct for responsible paymentsItalian code of conduct for responsible paymentsItalian code of conduct for responsible paymentsItalian code of conduct for responsible payments and it complies with the Voluntary code of conduct onVoluntary code of conduct onVoluntary code of conduct onVoluntary code of conduct on advertisingadvertisingadvertisingadvertising.