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href="/it/who-we-are/sponsorship/Generali-women-in-sailing">Generali Women in Sailing</a></li> </ul> </li> </ul></div> </div> </div> </div> </li> <li class="nav-item dropdown position-static"> <a class="nav-link dropdown-toggle" role="button" data-bs-toggle="dropdown" aria-expanded="false" href="/it/what-we-do">Cosa offriamo</a> <div class="dropdown-menu w-100 shadow py-5"> <div class="px-3 large-container position-relative"> <div class="position-absolute top-0 end-0 close-menu-container"> <a role="button" class="close-menu"> <span class="visually-hidden">Close Navigation</span> <span class="close-label me-1">Chiudi</span> <span class="icongen-close color-dark-blue"></span> </a> </div> <div class="row"> <div class="col-3 component pe-4"> <h4 class="color-red">Cosa offriamo</h4> <p class="mt-3"> Il nostro purpose è aiutare le persone a costruirsi un futuro più sicuro e sostenibile, prendendoci cura della loro vita e dei loro sogni. </p> <a aria-label="Cosa offriamo" class="btn btn-red 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list-unstyled" id="menu0ad00b20-3a2d-4208-be5d-eb365c8b943b"> <li><a class="dropdown-item" href="/it/what-we-do/property-and-casualty-insurance/damage-to-property">Danni a cose</a></li> <li><a class="dropdown-item" href="/it/what-we-do/property-and-casualty-insurance/personal-injury">Danni alle persone</a></li> <li><a class="dropdown-item" href="/it/what-we-do/property-and-casualty-insurance/third-party-liability">Responsabilità civile verso terzi</a></li> <li><a class="dropdown-item" href="/it/what-we-do/property-and-casualty-insurance/before-taking-out-a-property-and-casualty-policy">Prima di sottoscrivere una polizza danni</a></li> <li><a class="dropdown-item" href="/it/what-we-do/property-and-casualty-insurance/insurance-product-distribution-and-claims-management">La distribuzione dei prodotti assicurativi e la gestione dei sinistri</a></li> </ul> </li> </ul></div> <div class="col-3" id="accordion_1_2"><ul class="list-unstyled"> <li><a class="dropdown-item" href="/it/what-we-do/insurance-for-companies">Le assicurazioni per le aziende</a></li> <li><a class="dropdown-item" href="/it/what-we-do/insurance-solutions-with-ESG-components">Soluzioni assicurative con componenti ESG</a></li> <li class="position-relative"> <a id="navItem3d42c90b-6c10-4aa3-9f3e-5f4d4025bae0" class="dropdown-item" href="/it/what-we-do/Global-Advisor-Excellence-Contest"> Global Advisor Excellence Contest </a> <a aria-labelledby="navItem3d42c90b-6c10-4aa3-9f3e-5f4d4025bae0" class="position-absolute star-0 dropdown-toggle ps-3" data-bs-toggle="collapse" data-bs-target="#menu3d42c90b-6c10-4aa3-9f3e-5f4d4025bae0" role="button" aria-expanded="false" aria-controls="menu3d42c90b-6c10-4aa3-9f3e-5f4d4025bae0"> <span class="visually-hidden">Open Submenu</span> </a> <ul data-bs-parent="#accordion_1_2" class="collapse list-unstyled" id="menu3d42c90b-6c10-4aa3-9f3e-5f4d4025bae0"> <li><a class="dropdown-item" href="/it/what-we-do/Global-Advisor-Excellence-Contest/Hall-of-fame">Hall of Fame & Finalists</a></li> <li><a class="dropdown-item" href="/it/what-we-do/Global-Advisor-Excellence-Contest/Young-lion">Young Lion</a></li> <li><a class="dropdown-item" href="/it/what-we-do/Global-Advisor-Excellence-Contest/engaged-agents">Generali Engaged Agents</a></li> </ul> </li> </ul></div> <div class="col-3" id="accordion_1_3"><ul class="list-unstyled"> <li><a class="dropdown-item" href="/it/what-we-do/asset-management">L'asset management</a></li> <li><a class="dropdown-item" href="/it/what-we-do/Insurance-for-dummies">Assicurazione for dummies</a></li> <li><a class="dropdown-item" href="/it/what-we-do/emerging-risks">Rischi emergenti</a></li> </ul></div> </div> </div> </div> </li> <li class="nav-item dropdown position-static"> <a class="nav-link dropdown-toggle" role="button" data-bs-toggle="dropdown" aria-expanded="false" href="/it/sustainability">Sostenibilità</a> <div class="dropdown-menu w-100 shadow py-5"> <div class="px-3 large-container position-relative"> <div 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href="/it/sustainability/responsible-investor/sustainability-related-disclosures">Informativa sulla sostenibilità</a></li> </ul> </li> <li class="position-relative"> <a id="navItemda037c77-27ec-4534-a546-71232c7f3592" class="dropdown-item" href="/it/sustainability/responsible-employer"> Datore di lavoro responsabile </a> <a aria-labelledby="navItemda037c77-27ec-4534-a546-71232c7f3592" class="position-absolute star-0 dropdown-toggle ps-3" data-bs-toggle="collapse" data-bs-target="#menuda037c77-27ec-4534-a546-71232c7f3592" role="button" aria-expanded="false" aria-controls="menuda037c77-27ec-4534-a546-71232c7f3592"> <span class="visually-hidden">Open Submenu</span> </a> <ul data-bs-parent="#accordion_2_1" class="collapse list-unstyled" id="menuda037c77-27ec-4534-a546-71232c7f3592"> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/Generali-people-strategy">Generali People Strategy</a></li> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/Employees_engagement">Coinvolgimento delle nostre persone</a></li> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/diversity-and-inclusion">Diversità equità e inclusione</a></li> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/investing-in-our-people">Investiamo nelle nostre persone</a></li> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/training">Formazione</a></li> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/work-life-balance">Conciliazione lavoro/famiglia</a></li> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/well-being">Well-being</a></li> <li><a class="dropdown-item" href="/it/sustainability/responsible-employer/environmental-management">Sistema di Gestione Ambientale delle operazioni di Gruppo</a></li> <li><a class="dropdown-item" 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class="page-title">Sistema di controllo interno e gestione dei rischi</h1> </div> <div class="mt-3 mb-md"> <div class="highlights pb-4"> <h2 class="h4 lh-base mb-0"> <span><span><span><span><span><span><span>Il sistema di controllo interno e di gestione dei rischi è costituito dall'insieme di regole, procedure e strutture aziendali che assicurano l'efficace funzionamento della Società e le consentono di identificare, valutare, misurare, gestire e monitorare i principali rischi a cui è esposta.</span></span></span></span></span></span></span> </h2> </div> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>Il Sistema di Controllo e di Gestione dei Rischi (SCIGR) è un sistema integrato che coinvolge l'<strong>intera struttura organizzativa della Società e del Gruppo</strong>: al suo fuzionamento sono chiamati a contribuire, in modo coordinato e interdipendente, tanto gli organi sociali quanto le strutture aziendali.</span></span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>Il <strong>Consiglio di Amministrazione</strong> è il primo attore del Sistema, avendo la responsabilità di definire le strategie e gli indirizzi in materia di controllo interno e di gestione dei rischi e di garantirne l'adeguatezza e la tenuta nel tempo, in termini di completezza, funzionalità ed efficacia. Presso la Società, gli altri attori sono: il <strong>Comitato Controllo e Rischi</strong>, il <strong>Comitato per le Remunerazioni</strong>, il <strong>Collegio Sindacale</strong>, l'<strong>Alta Direzione</strong>, i <strong>Comitati di Gestione dei Rischi</strong>, il <strong>Dirigente Preposto</strong> (nominato in ottemperanza a quanto previsto dall'art. 154-bis del TUF - Testo Unico della Finanza di cui al D.Lgs. 24 febbraio 1998, n. 58, modificato e integrato), i <strong>responsabili delle aree operative</strong> e le <strong>funzioni di controllo</strong>. <span>Le società del Gruppo implementano un sistema di governance coerente.</span></span></span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>Il <strong>sistema di gestione dei rischi</strong> normato nella Politica di Gruppo di gestione dei rischi, stabilisce i principi fondamentali e i requisiti minimi di processo per identificare, misurare, gestire, controllare e riportare i rischi attuali e prospettici che potrebbero derivare dalle attività svolte dal Gruppo Generali.</span></span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>La <strong>Politica</strong> mira ad assicurare una gestione efficace dei rischi nell’ambito del Gruppo in coerenza con la propensione al rischio definita dal Consiglio di Amministrazione, sulla base del framework regolamentare Solvency II, come adottato da IVASS e altre Autorità Nazionali Europee Competenti.</span></span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>Il sistema di gestione dei rischi del Gruppo deve essere adeguato al fine di mantenere un effettivo controllo sulle decisioni strategiche complessive del Gruppo e una gestione ponderata per ciascuna Società del Gruppo. È pertanto adottato il <strong>Risk Appetite Framework di Gruppo</strong>.</span></span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>La Politica definisce anche i principi alla base del processo di <strong>Own Risk and Solvency Assessment (ORSA)</strong>.</span></span></span></span></span></span></span></p> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>L’impianto di gestione dei rischi disciplinato dalla Politica è strutturato sulle seguenti <strong>quattro fasi del processo</strong>:</span></span></span></span></span></span></span></p> <ul> <li><span><span><span><span><span><span><span><span>identificazione dei rischi,</span></span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span><span>misurazione dei rischi,</span></span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span><span>gestione e monitoraggio dei rischi,</span></span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span><span>reporting sui rischi (inclusa la valutazione ORSA).</span></span></span></span></span></span></span></span></li> </ul> </div> <div class="mt-3 txt-component"> <p style="margin-left:0cm; margin-right:0cm"><span><span><span><span><span><span><span>L'<strong>ORSA </strong>è definita come l'<strong>insieme dei processi e procedure finalizzate all’identificazione, misurazione, monitoraggio, gestione e informativa dei rischi</strong>, in ottica attuale e prospettica, nonché del livello di fondi propri necessari per soddisfare i requisiti minimi di solvibilità di Gruppo.</span></span></span></span></span></span></span><br /> <br /> <span><span><span><span><span><span><span>Il Sistema di Controllo Interno e Gestione dei Rischi è fondato su tre linee di difesa, all'interno delle quali le<strong> </strong>funzioni aziendali di controllo hanno una chiara collocazione e svolgono ruoli ben definiti:</span></span></span></span></span></span></span></p> </div> <div class="mt-md image-component tcenter"> <figure class="" title="Sistema di controllo interno e gestione dei rischi"> <img loading="lazy" class="" src="/doc/jcr:97b629d6-a687-47ed-9937-90607e2eb279/lang:it/generali_GOV_def_4_InternalControl22.png" alt="Sistema di controllo interno e gestione dei rischi"> </figure> </div> <div class="mt-3 txt-component"> <ul> <li><span><span><span><span><span><span><span><span>i <strong>responsabili delle aree operative</strong> (risk owner) hanno la responsabilità di assicurare la corretta gestione dei rischi correlati alle attività svolte e di porre in essere adeguati presidi di controllo, nel rispetto dell'assetto organizzativo e degli indirizzi impartiti dal Group CEO, per garantire l'attuazione delle Politiche in materia di controlli interni e gestione dei rischi approvate dal Consiglio. I ruoli e le responsabilità di ciascuna unità organizzativa sono definiti nell'ambito del sistema di deleghe e poteri e delle Politiche approvate dal Consiglio;</span></span></span></span></span></span></span></span><br />  </li> <li><span><span><span><span><span><span><span><span>le funzioni di<strong> risk management, compliance, anti financial crime </strong>e<strong> actuarial </strong>rappresentano la seconda linea di difesa. Esse garantiscono il monitoraggio continuo dei rischi più significativi per l'attività aziendale e sono privi di compiti operativi. Le funzioni di controllo sono costituite in forma di specifiche unità organizzative e riportano direttamente al Consiglio di Amministrazione;</span></span></span></span></span></span></span></span></li> </ul> <ul> <li><span><span><span><span><span><span><span><span> <strong>group internal audit</strong> rappresenta la terza linea di difesa e garantisce il monitoraggio e la valutazione dell'efficacia e dell'efficienza del Sistema di Controllo Interno e di Gestione dei Rischi. Questa funzione si caratterizza per una spiccata indipendenza dal business e un elevato grado di autonomia: il responsabile della funzione non dipende gerarchicamente da alcun responsabile di aree operative e risponde direttamente al Consiglio di Amministrazione, con riporto diretto al suo Presidente.</span></span></span></span></span></span></span></span></li> </ul> </div> <div id="accordion1" class="accordion-item first-child mt-md"> <a id="heading1" class="accordion-heading p-3 p-md-4 d-flex justify-content-between align-items-center collapsed" data-bs-toggle="collapse" data-bs-target="#collapse1" href="#collapse1" aria-expanded="false" aria-controls="collapse1"> <h3 class="h5-section font-regular mb-0 me-3">Mappatura dei rischi</h3> <span class="icongen-right-arrow-bold"></span> </a> <div id="collapse1" data-bs-parent="#accordion1" class="collapse" role="tabpanel" aria-labelledby="heading1"> <div class="px-3 px-md-4 p-4 pt-0"> <div class="mt-3 txt-component"> <p><span><span><span><span><span><span><span>La Mappa dei rischi del Gruppo, essendo parte della Politica di Gruppo di gestione dei rischi, include i principali rischi di seguito elencati:</span></span></span></span></span></span></span><br />  </p> <p><span><span><span><span><strong><span><span><span>Rischi finanziari</span></span></span></strong><span><span><span>:</span></span></span> <span><span><span>guidati dalla volatilità dei prezzi</span></span></span> <span><span><span>degli investimenti in attività finanziarie. I rischi finanziari sono ulteriormente dettagliati in:</span></span></span></span></span></span></span></p> <ul style="list-style-type:circle"> <li><span><span><span><span><span><span><span>rischio azionario che deriva dalle variazioni sfavorevoli nel valore di mercato delle attività o delle passività dovute alle fluttuazioni dei prezzi di mercato che possono condurre a perdite finanziarie; </span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di volatilità azionaria che deriva dalle fluttuazioni nella volatilità dei mercati;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di tasso di interesse, definito come il rischio di variazioni sfavorevoli del valore di mercato delle attività o delle passività dovute alle fluttuazioni dei tassi di interesse sul mercato;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio immobiliare che deriva dalle variazioni del livello dei prezzi del mercato immobiliare;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di valuta che deriva dalle fluttuazioni dei tassi di cambio;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di concentrazione del portafoglio attivi a un numero limitato di controparti.</span></span></span></span></span></span></span><br />  </li> </ul> <p><span><span><span><span><strong><span><span><span>Rischi di credito:</span></span></span> </strong><span><span><span>derivanti dagli investimenti finanziari e dai rischi legati ad altre controparti (come ad esempio: la riassicurazione, la cassa). I rischi di credito sono ulteriormente dettagliati in:</span></span></span></span></span></span></span></p> <ul style="list-style-type:circle"> <li><span><span><span><span><span><span><span>rischio di ampliamento dello spread (c.d. spread widening risk) derivante da variazioni sfavorevoli del valore di mercato dei titoli di debito; </span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di default definito come il rischio di incorrere in perdite a causa dell’incapacità di una controparte di onorare i propri impegni finanziari.</span></span></span></span></span></span></span><br />  </li> </ul> <p><span><span><span><span><strong><span><span><span>Rischi sottoscrittivi vita:</span></span></span></strong><span><span><span> derivanti dal core business assicurativo del Gruppo nei segmenti vita e salute. I rischi sottoscrittivi vita sono ulteriormente dettagliati in:</span></span></span></span></span></span></span></p> <ul style="list-style-type:circle"> <li><span><span><span><span><span><span><span>rischio di mortalità, definito come il rischio di perdita o di cambiamenti sfavorevoli nel valore delle passività assicurative derivanti da variazioni dei tassi di mortalità, nel caso in cui un aumento dei tassi di mortalità comporta un aumento nel valore delle passività assicurative. Il rischio di mortalità include anche il rischio di mortalità catastrofale, derivante dall’incertezza legata alle ipotesi utilizzate nel pricing e nella riservazione in caso di eventi estremi o irregolari;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di longevità, analogamente alla mortalità, è definito come il rischio derivante da variazioni dei tassi di mortalità, in cui una diminuzione del tasso di mortalità comporta un aumento del valore delle passività assicurative;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di disabilità e di morbilità, derivante da variazioni dei tassi di disabilità, malattia, morbilità e dei tassi di riattivazione;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di riscatto, definito come il rischio di perdita o di cambiamenti sfavorevoli nel valore delle passività assicurative, derivanti da variazioni inattese nell’esercizio delle opzioni da parte degli assicurati. Tali opzioni includono il diritto, parziale o totale, di recedere, terminare, limitare o sospendere la copertura assicurativa, e derivano dalle condizioni contrattuali o dalla normativa. Tale rischio considera anche eventi c.d. mass-lapse, relativi a riscatti di massa;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio spese, derivante dall’incertezza legata ai costi sostenuti in relazione ai contratti di assicurazione o di riassicurazione;</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio malattia, riferito a variazioni nelle prestazioni malattia e include anche il rischio malattia collegato a eventi catastrofali.</span></span></span></span></span></span></span><br />  </li> </ul> <p><span><span><span><span><strong><span><span><span>Rischi sottoscrittivi danni:</span></span></span></strong><span><span><span> derivanti dalle attività assicurative del Gruppo nel segmento non vita. I rischi sottoscrittivi danni sono ulteriormente dettagliati in:</span></span></span></span></span></span></span></p> <ul style="list-style-type:circle"> <li><span><span><span><span><span><span><span>rischi di tariffazione e catastrofali, derivanti dalla possibilità che i premi non siano sufficienti per coprire i futuri sinistri, anche in relazione ad eventi molto volatili e alle spese contrattuali; </span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di riservazione, riferito all’incertezza delle riserve sinistri (su un orizzonte temporale di un anno);</span></span></span></span></span></span></span></li> <li><span><span><span><span><span><span><span>rischio di riscatto non vita, derivante dall’incertezza legata agli utili, riconosciuti inizialmente nella riserva premi.</span></span></span></span></span></span></span><br />  </li> </ul> <p><span><span><span><span><strong><span><span><span>Rischi operativi:</span></span></span></strong><span><span><span> derivanti dalle perdite dovute all’inadeguatezza o dalla disfunzione di processi, risorse umane e sistemi, oppure da eventi esterni. Tale definizione ricomprende il rischio di mancata conformità alle norme (compliance risk) ed il rischio di non corretta rappresentazione delle voci di bilancio.</span></span></span></span></span></span></span><br />  </p> <p><span><span><span><span><strong><span><span><span>Rischio di liquidità:</span></span></span></strong><span><span><span> definito come l’incertezza, derivante dall’attività operativa, di investimento e di finanziamento relativa alla capacità del Gruppo e delle sue compagnie di far fronte agli impegni di cassa in misura piena e tempestiva, in un contesto di mercato attuale o stressato.</span></span></span></span></span></span></span><br />  </p> <p><span><span><span><span><span><span><span>Tra gli <strong>altri</strong> <strong>rischi</strong> sono i rischi emergenti e di sostenibilità:</span></span></span></span></span></span></span></p> <ul style="list-style-type:circle"> <li><span><span><span><span><strong><span><span><span>Rischi emergenti:</span></span></span></strong><span><span><span>  derivanti da nuovi rischi o rischi futuri, difficili da identificare, quantificare e sono di dimensioni tipicamente sistemiche. Tra questi si menzionano i trend ambientali e i cambiamenti climatici, i cambiamenti tecnologici e la digitalizzazione, gli sviluppi geopolitici e i cambiamenti demografici e sociali. Per saperne di più su questi rischi, fai riferimento </span><a href="/it/what-we-do/emerging-risks">all’Emerging Risks Booklet</a><span>;</span></span></span></span></span></span></span></li> <li><span><span><span><span><strong><span><span><span>Rischi di sostenibilità</span></span></span></strong><span><span><span>: correlati a un evento o una condizione di tipo ambientale, sociale o di governance che, se si verifica, potrebbe provocare un impatto negativo effettivo o potenziale sul valore dell’investimento o sul valore della passività</span></span></span></span></span></span></span></li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> <section class="component space-top"> <div class="component background-white-2 space-end space-top"> <div class="large-container"> <div class="container"> <div class="row justify-content-center align-items-center justify-content-stretch"> <div class="col-12 col-md-4 col-lg-4 mb-md-0 align-self-stretch mb-4 "> <a 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<h2>Il nostro Management</h2> <p>Scopri di più sulla nostra struttura organizzativa del Gruppo.</p> </div> <span class="link-arrow-right align-self-end">Dettagli</span> </div> </a> </div> </div> </div> </div> </div> </section> <footer> <div class="large-container"> <div class="row top"> <div class="col-12 col-md-8"> <div class="row align-items-center"> <div class="col-12 col-md-4 text-center text-md-start"> <a href="/it/" title=""> <img src="/.resources/generalicom-templating-light/webresources/images/generali-logo-big.svg" title="" alt="Gruppo Generali" width="90" data-png-fallback="/.resources/generalicom-templating-light/webresources/images/generali-logo-big.png"> </a> </div> <div class="mt-3 mt-md-0 col-12 col-md-8 text-center text-md-start"> <p>Segui le storie sui nostri social networks</p> </div> </div> </div> <div class="pt-2 pt-md-0 mt-4 mt-md-0 col-12 col-md-4"> <ul class="px-5 px-md-0 list-unstyled d-flex justify-content-between align-items-center"> <li> <a rel="nofollow" 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pt-md-0 col-12 col-md-4 order-1 order-md-2"> <ul class="list-unstyled d-flex flex-row flex-md-column flex-xl-row justify-content-center justify-content-xl-end align-items-md-center align-items-xl-end"> <li><a class="lightbox-remote" href="/it/tools/survey-modal" title="Sondaggio in 2 minuti" data-type="url" data-remote="/it/tools/survey-modal"><span class="icongen-star"></span>Sondaggio in 2 minuti</a></li> <li><a href="/it/tools/subscription/content-categories-subscription" title="Ricevi aggiornamenti"><span class="icongen-get-updates"></span>Ricevi aggiornamenti</a></li> </ul> </div> <div class="pt-2 pt-md-0 mt-4 mt-md-0 col-12 col-md-8 order-2 order-md-1"> <div class="mx-2 mx-md-0 me-xl-3"> <p><a href="/it/who-we-are">Generali</a> è uno dei maggiori player globali del settore assicurativo e dell’asset management. Nato nel 1831, è presente in oltre 50 Paesi con una raccolta premi complessiva a € 82,5 miliardi nel 2023. Con quasi 82 mila dipendenti nel mondo e 70 milioni di clienti, il Gruppo vanta una posizione di leadership in Europa e una presenza sempre più significativa in Asia e America Latina. Al centro della strategia di Generali c’è l’impegno a essere Partner di Vita dei clienti, attraverso soluzioni innovative e personalizzate, un’eccellente customer experience e una capacità distributiva globale e digitalizzata. Il Gruppo ha pienamente integrato la sostenibilità in tutte le scelte strategiche, con l’obiettivo di creare valore per tutti gli stakeholder e di costruire una società più equa e resiliente.</p> </div> </div> </div> </div> <div class="background-grey-light last"> <div class="large-container"> <div class="row"> <div class="col-12 col-md-7"> <ul class="list-unstyled"> <li> <a title="Legal Info" href="/it/info/legal-information">Legal Info</a> </li> <li> <a title="Cookie Policy" href="/it/info/cookies-policy">Cookie Policy</a> </li> <li> <a title="Privacy & GDPR" href="/it/info/privacy/privacy-information">Privacy & GDPR</a> </li> <li> <a title="FATCA" href="/it/info/fatca">FATCA</a> </li> <li> <a title="EMIR exemption " href="/it/info/European-Market-Infrastructure-Regulation">EMIR exemption </a> </li> <li> <a title="Olocausto" href="/it/info/holocaust">Olocausto</a> </li> <li> <a title="Accessibilità" href="/it/info/accessibility">Accessibilità</a> </li> <li> <a target="_blank" title="Whistleblowing" href="https://generali.whispli.com/speakup">Whistleblowing</a> </li> <li> <a title="Glossary" href="/it/info/glossary">Glossary</a> </li> <li> <a title="FAQ" href="/it/info/faq">FAQ</a> </li> </ul> </div> <div class="col-12 col-md-5 text-center text-md-end"> <div class="copyright"> <p>© Assicurazioni Generali S.p.A. - C.F. 00079760328 E P. IVA DI GRUPPO 01333550323</p> </div> </div> </div> </div> </div> </footer> </div> <button id="backtotop" class="border-0"><span class="visually-hidden">Back to top</span><div class="w-100 h-100 d-flex align-items-center justify-content-center"><span class="icongen-down-arrow-bold"></span></div></button> <nav id="mmenu"> <ul> <li> <a href="/it/who-we-are">Chi Siamo</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Chi Siamo</h3> <p class="mt-1 mb-3"> Generali è una delle maggiori compagnie assicurative e di asset management a livello globale. </p> <a class="btn-red mb-3" href="/it/who-we-are"> Dettagli </a> </li> <li><a href="/it/who-we-are/at-a-glance">Profilo</a></li> <li> <a href="/it/who-we-are/history"> La nostra storia </a> <ul> <strong class="back">Chi Siamo</strong> <li class="flex-column main-section"> <h3>La nostra storia</h3> <a class="btn-red mb-3 mt-2" href="/it/who-we-are/history">Discover</a> </li> <li><a href="/it/who-we-are/history/Generali-190-Anniversary">Generali 190 Anniversary</a></li> <li><a href="/it/who-we-are/history/Generali-190-Anniversary-Events-Timeline">Timeline Eventi Generali 190</a></li> <li><a href="/it/who-we-are/history/interactive-timeline">Eventi chiave</a></li> <li><a href="/it/who-we-are/history/our-logo-over-190-years">190 anni del nostro logo</a></li> <li><a href="/it/who-we-are/history/the-age-of-the-lion">Le pubblicazioni di Generali</a></li> <li><a href="/it/who-we-are/history/posters-and-advertising">Poster pubblicitari</a></li> <li><a href="/it/who-we-are/history/The-Generali-Group-Historical-Archives">Archivi Storici di Gruppo</a></li> <li><a href="/it/who-we-are/history/group-libraries">Biblioteche di gruppo</a></li> </ul> </li> <li><a href="/it/who-we-are/our-culture">La nostra cultura</a></li> <li><a href="/it/who-we-are/Strategic-Plan-Lifetime-Partner-27">Strategic Plan: Lifetime Partner 27</a></li> <li> <a href="/it/who-we-are/global-positioning"> La nostra organizzazione </a> <ul> <strong class="back">Chi Siamo</strong> <li class="flex-column main-section"> <h3>La nostra organizzazione</h3> <a class="btn-red mb-3 mt-2" href="/it/who-we-are/global-positioning">Discover</a> </li> <li><a href="/it/who-we-are/global-positioning/italy">Italia</a></li> <li><a href="/it/who-we-are/global-positioning/germany">Germania, Austria e Svizzera</a></li> <li><a href="/it/who-we-are/global-positioning/france">Francia</a></li> <li><a href="/it/who-we-are/global-positioning/international">International</a></li> <li><a href="/it/who-we-are/global-positioning/global-business-activities">Global Business Activities</a></li> <li><a href="/it/who-we-are/global-positioning/investments-asset-and-wealth-management">Asset & Wealth Management</a></li> </ul> </li> <li><a href="/it/who-we-are/discovering-generali">Le Generali Stories</a></li> <li><a href="/it/who-we-are/our-business">Il nostro modello di business </a></li> <li><a href="/it/who-we-are/our-activities">Le nostre attività</a></li> <li><a href="/it/who-we-are/our-management">Il nostro Management</a></li> <li><a href="/it/who-we-are/our-brand">Il nostro brand</a></li> <li> <a href="/it/who-we-are/sponsorship"> Sponsorizzazioni </a> <ul> <strong class="back">Chi Siamo</strong> <li class="flex-column main-section"> <h3>Sponsorizzazioni</h3> <a class="btn-red mb-3 mt-2" href="/it/who-we-are/sponsorship">Discover</a> </li> <li><a href="/it/who-we-are/sponsorship/Sport">Sport</a></li> <li><a href="/it/who-we-are/sponsorship/Arts-and-Culture">Arte e Cultura</a></li> <li><a href="/it/who-we-are/sponsorship/Generali-women-in-sailing">Generali Women in Sailing</a></li> </ul> </li> </ul> </li> <li> <a href="/it/what-we-do">Cosa offriamo</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Cosa offriamo</h3> <p class="mt-1 mb-3"> Il nostro purpose è aiutare le persone a costruirsi un futuro più sicuro e sostenibile, prendendoci cura della loro vita e dei loro sogni. </p> <a class="btn-red mb-3" href="/it/what-we-do"> Dettagli </a> </li> <li><a href="/it/what-we-do/what-is-insurance">Cos'è l'assicurazione</a></li> <li> <a href="/it/what-we-do/life-insurance"> L'assicurazione sulla vita </a> <ul> <strong class="back">Cosa offriamo</strong> <li class="flex-column main-section"> <h3>L'assicurazione sulla vita</h3> <a class="btn-red mb-3 mt-2" href="/it/what-we-do/life-insurance">Discover</a> </li> <li><a href="/it/what-we-do/life-insurance/pure-risk-cover">Coperture a puro rischio</a></li> <li><a href="/it/what-we-do/life-insurance/investment-policies">Coperture a contenuto finanziario</a></li> <li><a href="/it/what-we-do/life-insurance/pension-funds">Fondi pensione</a></li> <li><a href="/it/what-we-do/life-insurance/before-taking-out-a-life-insurance-policy">Prima di sottoscrivere una polizza vita</a></li> </ul> </li> <li> <a href="/it/what-we-do/property-and-casualty-insurance"> L'assicurazione contro i danni </a> <ul> <strong class="back">Cosa offriamo</strong> <li class="flex-column main-section"> <h3>L'assicurazione contro i danni</h3> <a class="btn-red mb-3 mt-2" href="/it/what-we-do/property-and-casualty-insurance">Discover</a> </li> <li><a href="/it/what-we-do/property-and-casualty-insurance/damage-to-property">Danni a cose</a></li> <li><a href="/it/what-we-do/property-and-casualty-insurance/personal-injury">Danni alle persone</a></li> <li><a href="/it/what-we-do/property-and-casualty-insurance/third-party-liability">Responsabilità civile verso terzi</a></li> <li><a href="/it/what-we-do/property-and-casualty-insurance/before-taking-out-a-property-and-casualty-policy">Prima di sottoscrivere una polizza danni</a></li> <li><a href="/it/what-we-do/property-and-casualty-insurance/insurance-product-distribution-and-claims-management">La distribuzione dei prodotti assicurativi e la gestione dei sinistri</a></li> </ul> </li> <li><a href="/it/what-we-do/insurance-for-companies">Le assicurazioni per le aziende</a></li> <li><a href="/it/what-we-do/insurance-solutions-with-ESG-components">Soluzioni assicurative con componenti ESG</a></li> <li> <a href="/it/what-we-do/Global-Advisor-Excellence-Contest"> Global Advisor Excellence Contest </a> <ul> <strong class="back">Cosa offriamo</strong> <li class="flex-column main-section"> <h3>Global Advisor Excellence Contest</h3> <a class="btn-red mb-3 mt-2" href="/it/what-we-do/Global-Advisor-Excellence-Contest">Discover</a> </li> <li><a href="/it/what-we-do/Global-Advisor-Excellence-Contest/Hall-of-fame">Hall of Fame & Finalists</a></li> <li><a href="/it/what-we-do/Global-Advisor-Excellence-Contest/Young-lion">Young Lion</a></li> <li><a href="/it/what-we-do/Global-Advisor-Excellence-Contest/engaged-agents">Generali Engaged Agents</a></li> </ul> </li> <li><a href="/it/what-we-do/asset-management">L'asset management</a></li> <li><a href="/it/what-we-do/Insurance-for-dummies">Assicurazione for dummies</a></li> <li><a href="/it/what-we-do/emerging-risks">Rischi emergenti</a></li> </ul> </li> <li> <a href="/it/sustainability">Sostenibilità</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Sostenibilità</h3> <p class="mt-1 mb-3"> La sostenibilità è all'origine della nostra strategia. </p> <a class="btn-red mb-3" href="/it/sustainability"> Dettagli </a> </li> <li> <a href="/it/sustainability/responsible-business"> Business responsabile </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Business responsabile</h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/responsible-business">Discover</a> </li> <li><a href="/it/sustainability/responsible-business/charter_sustainability_commitments">Carta degli Impegni di Sostenibilità</a></li> <li><a href="/it/sustainability/responsible-business/materiality-analysis">Assessment di Materialità</a></li> <li><a href="/it/sustainability/responsible-business/stakeholder-engagement">Coinvolgimento degli stakeholder</a></li> <li><a href="/it/sustainability/responsible-business/sustainability-indices-and-ratings">Indici e rating di sostenibilità</a></li> <li><a href="/it/sustainability/responsible-business/external-commitments">Adesione a iniziative esterne</a></li> </ul> </li> <li> <a href="/it/sustainability/responsible-insurer"> Assicuratore responsabile </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Assicuratore responsabile </h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/responsible-insurer">Discover</a> </li> <li><a href="/it/sustainability/responsible-insurer/insurance-solutions-with-ESG-components">Soluzioni assicurative con componenti ESG</a></li> <li><a href="/it/sustainability/responsible-insurer/SME-EnterPRIZE">SME EnterPRIZE</a></li> <li><a href="/it/sustainability/responsible-insurer/becoming-a-life-time-partner-to-our-customers">Partner di vita dei nostri clienti</a></li> <li><a href="/it/sustainability/responsible-insurer/NPS-improving-clients-experience">NPS: migliorare l’esperienza dei clienti</a></li> <li><a href="/it/sustainability/responsible-insurer/Public-Private-partnerships">Partnership pubblico-private</a></li> <li><a href="/it/sustainability/responsible-insurer/EU-Taxonomy-TSC-4-Data-sharing">Database delle perdite legate al clima – Tassonomia UE</a></li> <li><a href="/it/sustainability/responsible-insurer/sustainability-into-underwriting">Sostenibilità nella sottoscrizione</a></li> </ul> </li> <li> <a href="/it/sustainability/responsible-investor"> Investitore responsabile </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Investitore responsabile </h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/responsible-investor">Discover</a> </li> <li><a href="/it/sustainability/responsible-investor/sustainability-into-investments">Sostenibilità negli Investimenti</a></li> <li><a href="/it/sustainability/responsible-investor/investing-for-the-climate">Investire per il clima</a></li> <li><a href="/it/sustainability/responsible-investor/real-estate-investments">Investimenti immobiliari sostenibili</a></li> <li><a href="/it/sustainability/responsible-investor/sustainability-related-disclosures">Informativa sulla sostenibilità</a></li> </ul> </li> <li> <a href="/it/sustainability/responsible-employer"> Datore di lavoro responsabile </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Datore di lavoro responsabile </h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/responsible-employer">Discover</a> </li> <li><a href="/it/sustainability/responsible-employer/Generali-people-strategy">Generali People Strategy</a></li> <li><a href="/it/sustainability/responsible-employer/Employees_engagement">Coinvolgimento delle nostre persone</a></li> <li><a href="/it/sustainability/responsible-employer/diversity-and-inclusion">Diversità equità e inclusione</a></li> <li><a href="/it/sustainability/responsible-employer/investing-in-our-people">Investiamo nelle nostre persone</a></li> <li><a href="/it/sustainability/responsible-employer/training">Formazione</a></li> <li><a href="/it/sustainability/responsible-employer/work-life-balance">Conciliazione lavoro/famiglia</a></li> <li><a href="/it/sustainability/responsible-employer/well-being">Well-being</a></li> <li><a href="/it/sustainability/responsible-employer/environmental-management">Sistema di Gestione Ambientale delle operazioni di Gruppo</a></li> <li><a href="/it/sustainability/responsible-employer/greenhouse-gas-emissions">Emissioni gas serra</a></li> <li><a href="/it/sustainability/responsible-employer/Green-offices-energy-use-of-resources-and-waste">I nostri uffici: energia, uso di risorse e rifiuti </a></li> <li><a href="/it/sustainability/responsible-employer/mobility">Mobilità del nostro personale</a></li> <li><a href="/it/sustainability/responsible-employer/social-dialogue">Dialogo sociale</a></li> <li><a href="/it/sustainability/responsible-employer/european_social_charter">La Carta Sociale Europea</a></li> <li><a href="/it/sustainability/responsible-employer/European_Works_Council">Comitato Aziendale Europeo</a></li> <li><a href="/it/sustainability/responsible-employer/working-with-our-suppliers">Lavorare con i nostri fornitori</a></li> </ul> </li> <li> <a href="/it/sustainability/responsible-citizen"> Corporate Citizen responsabile </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Corporate Citizen responsabile</h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/responsible-citizen">Discover</a> </li> <li><a href="/it/sustainability/responsible-citizen/the-human-safety-net">The Human Safety Net</a></li> <li><a href="/it/sustainability/responsible-citizen/how-we-contribute">Come contribuiamo</a></li> </ul> </li> <li> <a href="/it/sustainability/our-commitment-to-the-environment-and-climate"> Impegni per l'ambiente e il clima </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Impegni per l'ambiente e il clima</h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/our-commitment-to-the-environment-and-climate">Discover</a> </li> <li><a href="/it/sustainability/our-commitment-to-the-environment-and-climate/participation-in-public-debate">Politica di advocacy climatica e partecipazione al dibattito pubblico</a></li> </ul> </li> <li> <a href="/it/sustainability/performance-and-reporting"> Performance e Rendicontazione </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Performance e Rendicontazione</h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/performance-and-reporting">Discover</a> </li> <li><a href="/it/sustainability/performance-and-reporting/data-and-performance">Dati e performance</a></li> <li><a href="/it/sustainability/performance-and-reporting/how-we-report-vista">Archivio bilanci sostenibilità</a></li> </ul> </li> <li> <a href="/it/sustainability/sustainable-financial-management"> Sustainable Financial Management </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Sustainable Financial Management</h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/sustainable-financial-management">Discover</a> </li> <li><a href="/it/sustainability/sustainable-financial-management/green-and-sustainability-bonds">Green & Sustainability Bonds</a></li> <li><a href="/it/sustainability/sustainable-financial-management/green-social-and-sustainability-ILS">Green, Social and Sustainability ILS</a></li> </ul> </li> <li> <a href="/it/sustainability/our-rules"> Le nostre regole </a> <ul> <strong class="back">Sostenibilità</strong> <li class="flex-column main-section"> <h3>Le nostre regole</h3> <a class="btn-red mb-3 mt-2" href="/it/sustainability/our-rules">Discover</a> </li> <li><a href="/it/sustainability/our-rules/governance-management">Governance & management</a></li> <li><a href="/it/sustainability/our-rules/code-of-conduct">Codice di condotta del Gruppo Generali</a></li> <li><a href="/it/sustainability/our-rules/respecting-human-rights">Rispettare i diritti umani</a></li> <li><a href="/it/sustainability/our-rules/anti-corruption">Lotta alla corruzione</a></li> <li><a href="/it/sustainability/our-rules/financial-crimes-compliance">Prevenzione dei reati finanziari </a></li> <li><a href="/it/sustainability/our-rules/Anti-Financial-Crime-and-Anti-Bribery-and-Corruption">Prevenzione dei reati finanziari e lotta alla corruzione</a></li> <li><a href="/it/sustainability/our-rules/tax-payments">Strategia Fiscale e Imposte</a></li> <li><a href="/it/sustainability/our-rules/tax-transparency-report">Tax Transparency Report</a></li> <li><a href="/it/sustainability/our-rules/group-security">Group security</a></li> </ul> </li> <li><a href="/it/sustainability/contacts">Contatti</a></li> </ul> </li> <li> <a href="/it/work-with-us">Lavora con noi</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Lavora con noi</h3> <p class="mt-1 mb-3"> Le persone sono l’anima della nostra azienda. </p> <a class="btn-red mb-3" href="/it/work-with-us"> Dettagli </a> </li> <li> <a href="/it/work-with-us/Get-to-know-us"> Scopri chi siamo </a> <ul> <strong class="back">Lavora con noi</strong> <li class="flex-column main-section"> <h3>Scopri chi siamo</h3> <a class="btn-red mb-3 mt-2" href="/it/work-with-us/Get-to-know-us">Discover</a> </li> <li><a href="/it/work-with-us/Get-to-know-us/diversity-and-inclusion">Diversità equità e inclusione</a></li> <li><a href="/it/work-with-us/Get-to-know-us/Our-people-s-stories">Le storie delle nostre persone</a></li> </ul> </li> <li> <a href="/it/work-with-us/grow-with-us"> Cresci insieme a noi </a> <ul> <strong class="back">Lavora con noi</strong> <li class="flex-column main-section"> <h3>Cresci insieme a noi</h3> <a class="btn-red mb-3 mt-2" href="/it/work-with-us/grow-with-us">Discover</a> </li> <li><a href="/it/work-with-us/grow-with-us/Drive-our-success">Sii parte del nostro successo </a></li> <li><a href="/it/work-with-us/grow-with-us/Your-development">La tua crescita con noi</a></li> <li><a href="/it/work-with-us/grow-with-us/We-LEARN">We LEARN</a></li> <li><a href="/it/work-with-us/grow-with-us/what-we-offer">Cosa offriamo</a></li> </ul> </li> <li> <a href="/it/work-with-us/join-us"> Entra nel team </a> <ul> <strong class="back">Lavora con noi</strong> <li class="flex-column main-section"> <h3>Entra nel team</h3> <a class="btn-red mb-3 mt-2" href="/it/work-with-us/join-us">Discover</a> </li> <li><a href="/it/work-with-us/join-us/five-reasons-to-apply">Cinque ragioni per candidarti</a></li> <li><a href="/it/work-with-us/join-us/Openings_Graduates_and_Students">Posizioni aperte per laureati e studenti</a></li> <li><a href="/it/work-with-us/join-us/job-search">Opportunità di lavoro</a></li> <li><a href="/it/work-with-us/join-us/contact-and-connect-with-us">Contattaci e resta connesso</a></li> </ul> </li> </ul> </li> <li> <a href="/it/investors">Investors</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Investors</h3> <p class="mt-1 mb-3"> Grazie al nostro piano ‘Lifetime Partner 27: Driving Excellence’ miglioreremo ulteriormente l'eccellenza nelle nostre relazioni con i clienti, nel nostro modello operativo di Gruppo e nelle nostre competenze chiave. </p> <a class="btn-red mb-3" href="/it/investors"> Dettagli </a> </li> <li><a href="/it/investors/investing-in-generali">Investire in Generali</a></li> <li> <a href="/it/investors/Strategy"> Strategia </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Strategia</h3> <a class="btn-red mb-3 mt-2" href="/it/investors/Strategy">Discover</a> </li> <li><a href="/it/investors/Strategy/Outlook">Outlook</a></li> <li><a href="/it/investors/Strategy/investments-and-divestments">Acquisizioni & Cessioni</a></li> <li><a href="/it/investors/Strategy/transformation-strategy">Guidare l’innovazione</a></li> <li><a href="/it/investors/Strategy/Growth-factors">Fattori di crescita</a></li> </ul> </li> <li> <a href="/it/investors/financial-highlights"> Principali dati finanziari </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Principali dati finanziari</h3> <a class="btn-red mb-3 mt-2" href="/it/investors/financial-highlights">Discover</a> </li> <li><a href="/it/investors/financial-highlights/performance-by-segment">Andamento per settore</a></li> <li><a href="/it/investors/financial-highlights/performance-by-country">Andamento per aree geografiche</a></li> <li><a href="/it/investors/financial-highlights/historical-data">Dati Storici</a></li> </ul> </li> <li> <a href="/it/investors/reports-and-presentations"> Bilanci e presentazioni </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Bilanci e presentazioni</h3> <a class="btn-red mb-3 mt-2" href="/it/investors/reports-and-presentations">Discover</a> </li> <li><a href="/it/investors/reports-and-presentations/report-archive">Archivio Bilanci</a></li> <li><a href="/it/investors/reports-and-presentations/Presentations">Presentazioni</a></li> <li><a href="/it/investors/reports-and-presentations/investor-day">Investor Day</a></li> <li><a href="/it/investors/reports-and-presentations/opa-cattolica">OPA Cattolica</a></li> </ul> </li> <li> <a href="/it/investors/share-information-analysts"> Informazioni sul titolo e analisti </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Informazioni sul titolo e analisti</h3> <a class="btn-red mb-3 mt-2" href="/it/investors/share-information-analysts">Discover</a> </li> <li><a href="/it/investors/share-information-analysts/key-share-figures">Indicatori chiave per azione</a></li> <li><a href="/it/investors/share-information-analysts/tickers-and-indices">Codici di Borsa e indici</a></li> <li><a href="/it/investors/share-information-analysts/share-capital">Evoluzione del capitale</a></li> <li><a href="/it/investors/share-information-analysts/dividends">Dividendi</a></li> <li><a href="/it/investors/share-information-analysts/Shareholding-calculator">Calcolatore azionario</a></li> <li><a href="/it/investors/share-information-analysts/equity-analysts-and-consensus">Analisti equity e consensus</a></li> <li><a href="/it/investors/share-information-analysts/ownership-structure">Composizione azionariato</a></li> <li><a href="/it/investors/share-information-analysts/share-buyback">Buyback azionario</a></li> </ul> </li> <li> <a href="/it/investors/debt-ratings"> Debito & Rating </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Debito & Rating</h3> <a class="btn-red mb-3 mt-2" href="/it/investors/debt-ratings">Discover</a> </li> <li><a href="/it/investors/debt-ratings/listed-debt-securities">Titoli obbligazionari</a></li> <li><a href="/it/investors/debt-ratings/debt-composition-and-maturity">Composizione del debito e scadenze</a></li> <li><a href="/it/investors/debt-ratings/ratings">Rating</a></li> <li><a href="/it/investors/debt-ratings/credit-analysts">Analisti obbligazionari</a></li> <li><a href="/it/investors/debt-ratings/sustainability-bond-framework">Sustainability Bond Framework e Report</a></li> </ul> </li> <li> <a href="/it/investors/Our-ESG-approach"> Il nostro approccio ESG </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Il nostro approccio ESG</h3> <a class="btn-red mb-3 mt-2" href="/it/investors/Our-ESG-approach">Discover</a> </li> <li><a href="/it/investors/Our-ESG-approach/Environmental">Environmental</a></li> <li><a href="/it/investors/Our-ESG-approach/Social">Social</a></li> <li><a href="/it/investors/Our-ESG-approach/Governance">Governance</a></li> </ul> </li> <li><a href="/it/investors/financial-calendar">Calendario finanziario</a></li> <li><a href="/it/investors/Retail-shareholders">Azionisti retail</a></li> <li><a href="/it/investors/shareholders-club">Club degli Azionisti</a></li> <li> <a href="/it/investors/contacts"> Contatti </a> <ul> <strong class="back">Investors</strong> <li class="flex-column main-section"> <h3>Contatti</h3> <a class="btn-red mb-3 mt-2" href="/it/investors/contacts">Discover</a> </li> <li><a href="/it/investors/contacts/Contacts-for-institutional-investors">Contatti investitori istituzionali</a></li> <li><a href="/it/investors/contacts/Contacts-for-retail-shareholders">Contatti per azionisti retail</a></li> </ul> </li> </ul> </li> <li> <a href="/it/media">Media</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Media</h3> <p class="mt-1 mb-3"> Le ultime notizie da Generali. </p> <a class="btn-red mb-3" href="/it/media"> Dettagli </a> </li> <li><a href="/it/media/press-releases">Comunicati stampa</a></li> <li><a href="/it/media/News">Notizie</a></li> <li> <a href="/it/media/Generali-Natixis"> Generali e Natixis </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Generali e Natixis</h3> <a class="btn-red mb-3 mt-2" href="/it/media/Generali-Natixis">Discover</a> </li> <li><a href="/it/media/Generali-Natixis/the-project">L'Operazione</a></li> <li><a href="/it/media/Generali-Natixis/questions-and-answers">Domande e risposte</a></li> </ul> </li> <li> <a href="/it/media/podcast"> Podcast </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Podcast</h3> <a class="btn-red mb-3 mt-2" href="/it/media/podcast">Discover</a> </li> <li><a href="/it/media/podcast/190-Years-of-Future">190 Years of Future</a></li> </ul> </li> <li><a href="/it/media/media-kit">Media kit</a></li> <li><a href="/it/media/events-calendar">Calendario Eventi</a></li> <li> <a href="/it/media/multimedia-gallery"> Multimedia-Gallery </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Multimedia-Gallery</h3> <a class="btn-red mb-3 mt-2" href="/it/media/multimedia-gallery">Discover</a> </li> <li><a href="/it/media/multimedia-gallery/video">Video</a></li> <li><a href="/it/media/multimedia-gallery/images">Immagini</a></li> </ul> </li> <li> <a href="/it/media/social-media"> Social media </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Social media</h3> <a class="btn-red mb-3 mt-2" href="/it/media/social-media">Discover</a> </li> <li><a href="/it/media/social-media/netiquette">Netiquette</a></li> </ul> </li> <li><a href="/it/media/corporate-magazines">Corporate magazines</a></li> <li> <a href="/it/media/macroeconomic-and-insurance-research"> Ricerche macroeconomiche ed assicurative </a> <ul> <strong class="back">Media</strong> <li class="flex-column main-section"> <h3>Ricerche macroeconomiche ed assicurative</h3> <a class="btn-red mb-3 mt-2" href="/it/media/macroeconomic-and-insurance-research">Discover</a> </li> <li><a href="/it/media/macroeconomic-and-insurance-research/contacts">Contatti</a></li> </ul> </li> <li><a href="/it/media/contacts">Contatti</a></li> </ul> </li> <li> <a href="/it/governance">Governance</a> <ul> <strong class="back">back</strong> <li class="flex-column main-section"> <h3>Governance</h3> <p class="mt-1 mb-3"> Il nostro sistema di corporate governance è in linea con le migliori pratiche internazionali. </p> <a class="btn-red mb-3" href="/it/governance"> Dettagli </a> </li> <li> <a href="/it/governance/corporate-governance-system"> Sistema di governance </a> <ul> <strong class="back">Governance</strong> <li class="flex-column main-section"> <h3>Sistema di governance</h3> <a class="btn-red mb-3 mt-2" href="/it/governance/corporate-governance-system">Discover</a> </li> <li><a href="/it/governance/corporate-governance-system/articles-of-association">Statuto</a></li> <li><a href="/it/governance/corporate-governance-system/organisational-and-management-model">Modello di Organizzazione e Gestione</a></li> <li><a href="/it/governance/corporate-governance-system/related-party-transactions">Operazioni con parti correlate</a></li> <li><a href="/it/governance/corporate-governance-system/corporate-governance-report">Relazione sulla governance</a></li> <li><a href="/it/governance/corporate-governance-system/diversity-policy">Politica sulla diversità </a></li> </ul> </li> <li> <a href="/it/governance/board-of-directors"> Consiglio di amministrazione </a> <ul> <strong class="back">Governance</strong> <li class="flex-column main-section"> <h3>Consiglio di amministrazione</h3> <a class="btn-red mb-3 mt-2" href="/it/governance/board-of-directors">Discover</a> </li> <li><a href="/it/governance/board-of-directors/Role-functions-and-activity">Ruolo, funzioni e attività</a></li> <li><a href="/it/governance/board-of-directors/meetings-and-attendance">Riunioni e partecipazione</a></li> <li><a href="/it/governance/board-of-directors/board-evaluation">Autovalutazione</a></li> <li><a href="/it/governance/board-of-directors/succession-plan">Piano di successione</a></li> <li><a href="/it/governance/board-of-directors/outgoing-board-of-directors-list">Procedura per la lista del Consiglio di Amministrazione uscente – Assemblea 2022</a></li> </ul> </li> <li> <a href="/it/governance/committees"> Comitati </a> <ul> <strong class="back">Governance</strong> <li class="flex-column main-section"> <h3>Comitati</h3> <a 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href="/it/governance/remuneration"> Remunerazione </a> <ul> <strong class="back">Governance</strong> <li class="flex-column main-section"> <h3>Remunerazione</h3> <a class="btn-red mb-3 mt-2" href="/it/governance/remuneration">Discover</a> </li> <li><a href="/it/governance/remuneration/share-plan-for-the-generali-group-employees">Piano di Azionariato per i dipendenti del Gruppo Generali We SHARE 2.0</a></li> </ul> </li> <li> <a href="/it/governance/insider-stock-trading"> Internal dealing </a> <ul> <strong class="back">Governance</strong> <li class="flex-column main-section"> <h3>Internal dealing</h3> <a class="btn-red mb-3 mt-2" href="/it/governance/insider-stock-trading">Discover</a> </li> <li><a href="/it/governance/insider-stock-trading/list-of-insiders">Soggetti rilevanti</a></li> <li><a href="/it/governance/insider-stock-trading/shareholdings">Partecipazioni azionarie</a></li> <li><a href="/it/governance/insider-stock-trading/transactions">Transazioni</a></li> </ul> </li> <li><a 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