16 indicators in 3 categorys

• FS. Products and service impact

  Grado de información	Codigo GRI	Datos punto	2008	2007	2006	U. of M.
  Management approach
  	FS1	Policies with specific environmental and social components applied to business lines.
  		Social Responsibility Policy
  		Group environmental policy
  		Risk management
  	FS2	Procedures for assessing and screening environmental and social risks in business lines
  		Risk management
  		Management of environmental risks
  		Auditing
  	FS3	Processes for monitoring clients’ implementation of and compliance with environmental and social requirements included in agreements or transactions
  		Risk management
  		Management of environmental risks
  		Compliance assurance
  	FS4	Process(es) for improving staff competency to implement the environmental and social policies and procedures as applied to business lines.
  		Employee training
  		Environmental training
  	FS5	Interactions with clients/investees/business partners regarding environmental and social risks and opportunities
  		Permanent dialogue with stakeholders
  		Responsible interaction with suppliers
  		Active consultation with stakeholder groups
  Product portfolio
  	FS6	Percentage of the portfolio for business lines by specific region, size and by sector.
  		Note 5.3 Legal documentation Anual Report
  	FS7	Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose.
  		Financial inclusiveness
  		Support for small businesses
  		Social housing
  		Responsible products and services
  	FS8	Monetary value of products and services designed to deliver a specific environmental benefit for each business line broken down by purpose
  		Products and services of an environmental nature
  		Project finance
  		Socially responsible investment
  		Total project finance for renewable energies	872.4	661.4	377.85	millones de euros
  		Total value of project finance operations in the Project Finance Division	4,513	3,490	3,367	millones de euros
  Audit
  	FS9	Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures.
  		Risk management
  		Auditing
  		Management of environmental risks
  Asset management
  	FS10	Percentage and number of companies held in the institution’s portfolio with which the reporting organisation has interacted on environmental or social issues.
  		Socially responsible investment
  		Project finance
  		Permanent dialogue with stakeholders
  	FS11	Percentage of assets subject to positive and negative environmental or social screening.
  		Socially responsible investment
  		Project finance
  	FS12	Voting polic(ies) applied to environmental or social issues for shares over which the reporting organisation holds the right to vote shares or advises on voting.
  		Voting policy

  Folding table

• FS. Social Performance: Society

  Grado de información	Codigo GRI	Datos punto	2008	2007	2006	U. of M.
  Community
  	FS13	Access points in low-populated or economically disadvantaged areas by type
  		Geographical accessibility
  	FS14	Initiatives to improve access to financial services for disadvantaged people
  		Accessible channels
  		Financial inclusiveness

  Folding table

• FS. Social Performance: Product responsibility

  Grado de información	Codigo GRI	Datos punto	2008	2007	2006	U. of M.
  Products and service labelling
  	FS15	Policies for the fair design and sale of financial products and services
  		Risk management
  		Data security and protection
  		Ethical and transparent communications
  		Compliance assurance
  		Personalised attention
  	FS16	Initiatives to enhance financial literacy by type of beneficiary
  		Financial education

  Folding table