23% 25% 38% 38% 21% 21% 7% 6% Minimum value between residual debt and appraisal value 138 2020 Sustainability Report 7.2 Management of direct environmental impact To ensure sustainable management of the environmental resources used in its activities, the BPER Group has implemented a monitoring process aimed at reducing consumption in terms of both management of raw materials as well as energy, thanks to the efficient use of resources and correct management of waste.