Conscious Choices for a More Sustainable Future
“Supporting customers in taking a responsible approach to their financial lives in order to create the foundations for a more prosperous and fairer society” - this is our corporate purpose. We pursue it through efficiency, innovation and transparency, working towards a responsible tomorrow in harmony with the environment, society and the economy.
open roadmap
Our Way of Banking
Trust as Our Foundation
Trust
Every action we take is guided by clarity, transparency and ethics - because trust is something we build over time.
- Ethical management
- Clear communications
- Data protection and security
Attention and Care
Care
For us, caring means respect, protection and genuine attention toward people and the environment.
- People first
- Respect for the environment
- Creation social value
Finance that Supports and Guides
Empower
We support customers making informed choices by combining advice, education and advanced digital tools.
- Financial education
- Long-term mindset
- Responsible investment approach
Innovating to Simplify
Innovate
We use technology to make banking simpler, faster and more accessible for everyone.
- Customer experience
- Artificial Intelligence
- Dematerialization
Sustainability Strategy
We conduct our business ethically and responsibly, integrating economic, environmental and social sustainability objectives into our long‑term strategy.
ESG STRATEGY
International Commitments and Memberships
We contribute to the development of a responsible financial system by joining leading international initiatives and networks that promote human rights, environmental protection and integrity.
ESG Indices and Ratings
Our commitment to sustainability is recognised internationally by leading ESG rating agencies.
FinecoBank is included in the following sustainability indices: the Borsa Italiana MIB ESG Index (Euronext), the FTSE4Good Index Series, the S&P Global 1200 ESG Index and the S&P Global Large Mid Cap ESG Index, as well as the Standard Ethics Italian Banks Index and the Standard Ethics Italian Index.
Documents
Sustainability Report
Sustainability Insights
Principles for Responsible Banking PRB report
Environmental Statement
Trust as a Foundation
Trust
Trust is built on facts, not statements.
It grows over time through clear choices, transparent communication, a strong sense of responsibility and genuine attention to people.
For us, trust is everything. It underpins the services we provide, the data we safeguard and the relationships we build.
In this section, we outline the principles that guide our way of being a Bank.
Managing Our Activities Ethically
Ethics is at the core of how we work. It shapes the way we make decisions and how we design, manage and evolve our products and services. Integrity, fairness and responsibility aren’t just principles for us — they’re the way we operate every day.
Compliance Culture
For us, Compliance is not a checklist - it’s a way of working.
We nurture it every day through training, open dialogue, clear rules and transparent processes. This approach helps us create a workplace where respecting laws, ethical principles and company policies is part of our daily routine - and a responsibility shared by everyone.
A Solid and Cross‑Functional Governance Model
We review every project proposal - whether it involves a new product or changes to existing ones - through a shared, cross‑functional evaluation process that brings together all the relevant functions.
Learn more
Explore Our Governance System
Risk Management
Over time, we have developed a strong risk culture based on a comprehensive, shared vision across all organizational levels. This approach enables a deeper understanding of risks, greater awareness in the decision‑making process, and a better balance between the risks taken and the controls in place.
Fineco’s risk management framework includes a range of controls and metrics designed to oversee sustainability‑related risks, in line with the Group’s strategy and Risk Appetite Framework (RAF). We can anticipate risks and enhance their management, ensuring the solidity of our business model.
Communicating Clearly and Accurately with Our Stakeholders
Trust grows when the right words are used.
That’s why we communicate in a simple, clear and accessible way, with messages designed to be always understandable and verifiable.
Listening
We believe that listening is the first step toward improvement. That’s why we use dedicated channels and tailored approaches to engage in meaningful dialogue with all our stakeholders.
Customer Dialogue
Ongoing dialogue with our customers is essential. Through meetings, customer care interactions, surveys carried out during digital events and education sessions, we gather insights and suggestions directly from customers — or through our financial advisors — to better understand their needs and continuously improve our products and services.
Responsible Marketing
We describe our products and services in full compliance with regulations, using simple and clear language. We avoid unnecessary complexity and ensure transparency through numerical evidence and detailed, easily verifiable conditions.
Digital Accessibility
In an organization like ours, where products and services are offered primarily through digital channels, technology only matters if it’s accessible to everyone. That’s why we have adopted a dedicated policy to ensure accessibility features are embedded from the very beginning of the design process for all digital products and services — for both customers and employees (accessibility by design). We also provide dedicated training courses to strengthen awareness and skills across the organization.
Learn more about our listening and communication methods
Protecting Our Customers’ Data and Security
Protecting information means honouring the trust placed in us. We rely on cutting‑edge technologies and regularly review our security measures to safeguard the data we hold and ensure that our services remain fully operational and consistently available.
Privacy
Behind every piece of data there is a person, and having full control over one’s information is a right we protect with great care. For this reason, we have implemented a robust system for safeguarding personal data and associated information, and we ensure that customers clearly understand how they can exercise their rights.
ICT & Security
In Fineco, information security and the protection of our IT systems are a strategic priority, supporting our business objectives from multiple perspectives. In particular, they
- ensure operational continuity by safeguarding the availability of information;
- protect data through measures that preserve confidentiality and integrity;
- guarantee compliance with applicable regulations.
Our Pillars
Multi‑Layer Defense
A protection system that combines prevention and response, continuous monitoring, risk analysis and structured procedures to effectively address potential critical events.
Shared Framework
A common model applied across the entire Group — built on consistent principles, guidelines and rules — enabling us to manage information security with a clear and coherent approach in every Group entity.
Continuous Evolution
Ongoing investments in technologies, infrastructures and systems to enhance security, service availability and data protection.
Protection of Customers and Employees
Continuous training for employees and ongoing awareness initiatives for customers to help prevent cyber threats.
Governance
A governance framework guided by dedicated policies, overseen by top management bodies, and supported by specialist teams and collaborations with expert organisations.
Multi‑Layer Defense
A protection system that combines prevention and response, continuous monitoring, risk analysis and structured procedures to effectively address potential critical events.
Shared Framework
A common model applied across the entire Group — built on consistent principles, guidelines and rules — enabling us to manage information security with a clear and coherent approach in every Group entity.
Continuous Evolution
Ongoing investments in technologies, infrastructures and systems to enhance security, service availability and data protection.
Protection of Customers and Employees
Continuous training for employees and ongoing awareness initiatives for customers to help prevent cyber threats.
Governance
A governance framework guided by dedicated policies, overseen by top management bodies, and supported by specialist teams and collaborations with expert organisations.
Learn More About Our General Security Principles
Tax Strategy
We pursue a tax management approach grounded in transparency, fairness, and responsibility. Our Tax Strategy aims to ensure full compliance with tax regulations and to safeguard the Group’s financial and reputational integrity.
Since 2016, our participation in the Cooperative Compliance, dregime has enabled an ongoing and collaborative dialogue with the tax authorities, supporting a preventive approach to risk management. We do not engage in aggressive tax planning practices, nor do we link employee remuneration to tax savings, promoting an ethical and sustainable approach to taxation.
People and environment at the center
Care
Taking care, for us, means respect, protection, and attention toward people and the environment.
From human‑resources policies to environmental and social impact, the creation of shared value guides every one of our choices. Because this is what we truly want: for the people who work with us, for the environment we live in, and for the communities in which we operate.
Putting people and first
At Fineco, people are at the heart of our strategy, because we believe that the Group’s growth depends on the growth of those who are part of it. We are committed to creating an environment where everyone can fully express their potential and pursue their aspirations.
+ 1.500 EMPLOYEES
+ 3.000 PERSONAL FINANCIAL ADVISORS
Employee development and empowerment
- Continuous training to develop each individual’s skills and competencies
- Leadership programs to strengthen managerial capabilities
- Listening and dialogue initiatives
Support for the growth of financial advisors
- Continuous training, both for regulatory updates and for deepening knowledge of investment tools and solutions, as well as expanding and strengthening relational skills
- The “Progetto Giovani” program, designed to support the professional growth of young Advisors and promote generational renewal
- Advanced digital services and tools, along with enhanced Team‑based work, to support advisors in their daily activities
Diversity, Equity & Inclusion
- Certificazione Parità di Genere UNI/PdR 125:2022
- Policy Parità di genere
- Policy Diversity, Equity & Inclusion
- Policy Global Policy Combating harassment, sexually inappropriate behaviour and bullying
Wellbeing
- Corporate welfare programs and work-life balance initiatives
- Health and parenting support services
Caring for the environment
We were born digital and have always been committed to the responsible use of resources. This is why, in the challenge of climate change, we aim to be part of the solution.
Since 2022, the Bank has operated an EMAS‑certified Environmental Management System covering all national offices and Fineco Centers, guiding us toward continuous improvement.
Since 2022, 100% of the electricity used in offices where the Bank holds the utility contracts has come from renewable sources, and since 2024 all company cars have been hybrid or electric.
Our contribution to the transition
Commitment to Net Zero Emissions by 2050
Our Commitment:
- Aligning the Bank’s investment portfolio with the objectives of the Paris Agreement, achieving an exposure of 95% by 2030 and 100% by 2050 in debt securities issued by sovereign and banking entities that have established their own Net‑Zero targets
- Reducing Scope 1 and 2 (market‑based) emissions by 55% by 2026, compared with 2021 levels, and by 90% by 2050
- Reducing operational Scope 3 emissions by 20% by 2030, compared with 2021 levels, for paper consumption and energy use in offices not under operational control, and by 90% by 2050
- Neutralising residual emissions related to the Commitment by 2050
Offering of green‑feature credit products
- Mutuo green, per l’acquisto di immobili residenziali in classe A o B
- Prestito green, per il finanziamento dell’acquisto di tecnologie per le energie rinnovabili
Responsible resource management and process dematerialisation
- Digitalised and paperless processes
- Environmental management guidelines (Vademecum) for Fineco Centers
Sustainable mobility initiatives
- Corporate fleet composed entirely of hybrid or electric vehicles
- Charging stations installed at corporate offices
- Employee benefits supporting the use of sustainable mobility services
Follow our progress and explore our commitment to the environment
Creating social value
We believe that a bank should play an active role in the communities in which it operates—not only through the provision of financial services, but also by generating social value through the support of solidarity projects as well as cultural and environmental initiatives.
Solidarity projects
Support for projects that address the real needs of communities and charity campaigns that involve clients and stakeholders in collective actions.
Our commitment to the community and the local area
We support cultural initiatives-from theatres to exhibitions-urban regeneration projects, and environmental protection activities.
Support for Women Victims of Gender Based Violence
We adhere to the Memorandum of Understanding signed by ABI and the trade unions Fabi, First Cisl, Fisac Cgil, Uilca and Unisin Falcri Silcea Sinfub. This commitment provides tangible support to women in difficulty through the suspension of mortgage and loan repayments.
Finance that guides you
Empower
Finance, as we know, can be complex. That’s why we make it simpler and more accessible, with tools and content designed to help people understand and make informed choices. Promoting market knowledge, cultivating a long‑term mindset, and encouraging a responsible approach to investing: these are the three levers through which we build financial awareness.
Promoting knowledge of financial markets
Knowledge creates opportunities, and that’s why we’ve placed financial education at the heart of our commitment: helping people make more informed and responsible financial decisions is one of the key goals of our sustainability plan.
Learning to invest consciously: our financial education initiatives
Through our people and our network of Financial Advisors, we build fosterl literacy where it’s needed most: among clients, within communities, and in schools. Because awareness becomes opportunity when it’s shared.
Local engagement initiatives
Meetings and events dedicated to savings, investments, supplementary pension planning, behavioral finance, and wealth management.
Partnerships with schools
Educational events and projects for primary and secondary schools, developed in collaboration with FEduF.
Digital content
Distribution of content across digital channels through in-depth articles, videos and webinars, and social media content.
2025 in numbers: here’s what we achieved
26
financial education events organized by the Bank
63
articles published on the Fineconomy blog
1.613
financial education events organized by the network
39
podcast episodes published on the Fineconomy blog
Building a long‑term mindset
Rising life expectancy is reshaping the way individuals and families live and plan for the future: retirement is no longer a final destination, but an intermediate step toward a new phase of life.
Our goal is to promote a culture in which longevity is viewed as an opportunity, supporting people along a long‑term financial planningjourney. A vision grounded in a set of key principles:
The value of time and longevity
As with physical health, time is also the decisive variable for financial well‑being: starting early enables more informed and conscious choices.
Diversification
Maintaining a portfolio that includes different asset classes is essential for effective risk management.
Supplementary pension planning
In a context of increasing life expectancy, strengthening retirement income through supplementary pension solutions becomes essential to ensure long‑term financial well‑being.
Focus on generational wealth transfer
In the coming years, generational wealth transfer will lead to a significant shift in assets. Advisory services will become even more strategic, thanks to the synergy between experienced Financial Advisors and new talent—an essential combination for facilitating the transfer of expertise and building personalized, long‑lasting relationships that support clients through every stage of life.
Promoting responsible investment approaches
Promoting responsible finance means acting on two fronts: investing in the skills of our people and providing clients with concrete tools to understand and support change.
Training and Tools for the Network
We develop tools and training programs to integrate sustainability into investment proposals, going beyond regulatory requirements and strengthening our Financial Advisors’ ESG expertise to enhance the quality and value of the service offered to Clients.
Clarity
We provide information and tools that help Clients understand the sustainability features of products and make more informed investment decisions.
Offering
We work to provide a diversified range of products, selecting them through a due diligence process that also assesses their sustainability characteristics. As part of our strategic plan, we are also committed to progressively expanding our range of ESG products.
Innovating to simplify
Innovate
Fineco has always been committed to providing high-quality services to its clients, guided by two fundamental principles: simplicity and continuous innovation, applied to the way services are designed and delivered.
Innovation that works
Innovation is considered effective only when it brings a tangible improvement to the user experience. For this reason, every strategic decision is driven by a central question: are we truly simplifying our clients’ lives?
Digital DNA
We are committed to ensuring that every operation can be carried out entirely digitally, from account opening to contract signing
3.000+ Financial Advisors
Our network leverages AI-based tools to provide more effective and higher-quality financial advisory services
1,8 million Clients served
Who benefit every day from simpler, faster and more efficient processes
Enhancing Customer Experience
Customer experience lies at the heart of our model, which combines an innovative distribution of financial services with the efficiency of digital channels. Our platforms, developed in-house using proprietary technologies, ensure a smooth, intuitive, and accessible experience across all touchpoints.
From the One Stop Solution solution concept-which allows Clients to access banking, brokerage, and investment services through a single current account-to X-Net, the Cyborg Advisory platform that enables direct interaction with financial advisors, innovation and technology anticipate Client needs and elevate the role of the Financial Advisor, allowing them to focus on higher-value activities.
X-Net
Human centric
Financial Advisors focused on client strategy and needs
Web Collaboration
For Financial Advisors and Clients, wherever they are
Technology as an Enabler
Technology supports the management of routine operations
Artificial Intelligence to Enhance Service Quality
Artificial Intelligence offers numerous opportunities within the banking sector, and at Fineco we began by focusing on optimising the services we provide.
Main AI-driven activities:
- Portfolio creation and diagnostics based on quantitative and financial variables
- Automation of repetitive tasks and operations carried out by advisors
- Production of investment reporting
- Faster access to internal documents and circulars
- Simplified onboarding for new clients
Responsible Use of Artificial Intelligence
AI also introduces new challenges. For this reason, we have adopted a dedicated Policy that defines the principles guiding our use of Artificial Intelligence: ethical and fair model development, a strong focus on the human factor, transparency and accuracy of models, and robust data protection and security.
Awareness and knowledge are essential to fully leverage the potential of AI. This is why we continuously invest in training our employees and advisors, as well as in informing clients to help prevent fraud and cyber-scams.
Reducing Environmental Impact
Innovation is not only about improving service quality - it is also about strengthening our commitment to sustainability. Through digitalization and the dematerialization of processes, we are progressively reducing the environmental impact of our operations.
Find out more
Documents
Report
Policies and Commitments
GOVERNANCE AND COMPLIANCE
- Organisational and Management Model pursuant to Legislative Decree 231/01
- Code of Ethics
- Integrity Charter and Code of Conduct of the Finecobank Group
- Anti-Corruption Global Policy
- Whistleblowing Global Policy
- Anti-Money Laundering and Anti-Terrorism policy
- Global Policy for the management of transactions with persons in potential conflict of interest of the FinecoBank Group
- Remuneration policy and report
- Tax strategy
- Local Policy Responsible Brokerage