GLOBAL REPORTING INITIATIVE
The Global Reporting Initiative (GRI) provides a globally applicable framework in the form of guidelines that set out economic, social and environmental indicators for organisations to report against.
Our 2008 online reporting has been prepared using the GRI G3 Guidelines. It represents a balanced and reasonable presentation of our organisation's economic, environmental and social performance.
We have also used the GRI Financial Services Sector Supplement: Social Performance and the GRI Financial Services Sector Supplement: Environmental Performance to develop the online reporting content. All G3 based reports must self declare the level to which they have applied the GRI reporting framework—their 'Application Level'.
Our reporting applies the GRI reporting framework to a B+ application level, which means that we have demonstrated robust sustainability reporting and well developed reporting systems based on the GRI G3. We have provided an explanation about any core indicators that we have not reported against. All GRI indicators are listed in the GRI index.
The data and information referred to in the GRI index have been independently assured by Net Balance Management Group (NBMG) and the financial information has been independently audited by KPMG. Please refer to the assurance section of this website for NBMG's assurance statement and to our annual report 2008 for the KPMG assurance statement.
Adherence to the GRI requirements are marked as a 'C' for Conformance;
'PC' for Partial Conformance; and a 'NR' for Not Reported.
'NA' is used when as issue is Not Applicable and 'GRI only' is used for indicators that are reported only in this index.
| Standard disclosures |
| Performance indicators |
| Financial services sector supplement |
Standard disclosures |
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| GRI indicator | Status | Comments | |
|---|---|---|---|
Strategy and profile |
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| 1.1 | Statement from the most senior decision maker of the organisation. | C | CEO statement (in annual review 2008). |
| 1.2 | Description of key impacts, risks and opportunities. | C | Key impacts, risks and opportunities. |
Organisational profile |
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| 2.1 | Name of the organisation. | C | About IAG. |
| 2.2 | Primary brands, products, and/or services. | C | Our brands. |
| 2.3 | Operational structure of the organisation. | C | Our brands. |
| 2.4 | Location of organisation’s headquarters. | GRI only |
IAG’s headquarters are located at 388 George Street, Sydney NSW, 2000 Australia. |
| 2.5 | Number of countries where the organisation operates. | C | About IAG. |
| 2.6 | Nature of ownership and legal form. | C | History. |
| 2.7 | Markets served (including geographic breakdown, sectors served, and types of customers/beneficiaries). | C | Our brands. |
| 2.8 | Scale of the reporting organisation. | C | Annual report 2008; indicators. |
| 2.9 | Significant changes during the reporting period regarding size, structure, or ownership. | C | Annual report 2008. |
| 2.10 | Awards received in the reporting period. | C | Our awards. |
Report profile |
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| 3.1 | Reporting period (eg, fiscal/calendar year) for information provided. | C | 2008 performance. |
| 3.2 | Date of most recent previous report (if any). | C | Report is produced annually. See other reports. |
| 3.3 | Reporting cycle (annual, biennial, etc). | C | We report annually. See 2008 performance. |
| 3.4 | Contact point for questions regarding the report or its contents. | C | 2008 performance. |
Report scope and boundaries |
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| 3.5 | Process for defining report content. | C | 2008 performance; stakeholder engagement; Advisory Committee. |
| 3.6 | Boundary of the report. | C | 2008 performance. |
| 3.7 | State any specific limitations on the scope or boundary of the report. | C | Detailed throughout. |
| 3.8 | Basis for reporting on joint ventures, subsidiaries, leased facilities, outsourced operations, and other entities that can significantly affect comparability from period to period and/or between organisations. | C | Detailed throughout. |
| 3.9 | Data measurement techniques and the bases of calculations. | C | Detailed throughout; glossary. |
| 3.10 | Explanation of the effect of any re-statements of information provided in earlier reports, and the reasons for such re-statement. | C | Detailed throughout; glossary. |
| 3.11 | Significant changes from previous reporting periods in the scope, boundary, or measurement methods applied in the report. | C | Detailed throughout; glossary. |
GRI content index |
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| 3.12 | Table identifying the location of the Standard Disclosures in the report. | C | GRI Index. |
Assurance |
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| 3.13 | Assurance. | C | Assurance. |
Governance |
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| 4.1 | Governance structure of the organisation. | C | Corporate governance. |
| 4.2 | Indicate whether the Chair of the highest governance body is also an executive officer. | C | Board of directors. |
| 4.3 | For organisations that have a unitary board structure, state the number of members of the highest governance body that are independent and/or non executive members. | C | Board of directors. |
| 4.4 | Mechanisms for shareholders and employees to provide recommendations or direction to the highest governance body. | C | Annual report 2008; stakeholder engagement. |
| 4.5 | Linkage between compensation for members of the highest governance body, senior managers, and executives (including departure arrangements), and the organisation’s performance (including social and environmental performance). | C | Stakeholder engagement; annual report 2008; corporate governance. |
| 4.6 | Processes in place for the highest governance body to ensure conflicts of interest are avoided. | C | Corporate governance. |
| 4.7 | Process for determining the qualifications and expertise of the members of the highest governance body for guiding the organisation’s strategy on economic, environmental, and social topics. | PC | Nomination, Remuneration & Sustainability Charter; corporate governance. |
| 4.8 | Internally developed statements of mission or values, codes of conduct, and principles relevant to economic, environmental, and social performance and the status of their implementation. | C | Our commitment. |
| 4.9 | Procedures of the highest governance body for overseeing the organisation’s identification and management of economic, environmental, and social performance. | C | Corporate governance. |
| 4.10 | Processes for evaluating the highest governance body’s own performance, particularly with respect to economic, environmental, and social performance. | C | Corporate governance. |
Commitments to external initiatives |
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| 4.11 | Explanation of whether and how the precautionary approach or principle is addressed by the organisation. | C | Risk management. |
| 4.12 | Externally developed economic, environmental, and social charters, principles, or other initiatives to which the organisation subscribes or endorses. | C | Benchmarking; GRI Index. |
| 4.13 | Memberships in associations. | C | Stakeholder engagement. |
Stakeholder engagement |
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| 4.14 | List of stakeholder groups engaged by the organisation. | C | Stakeholder engagement. |
| 4.15 | Basis for identification and selection of stakeholders with whom to engage. | C | Stakeholder engagement. |
| 4.16 | Approaches to stakeholder engagement. | C | Stakeholder engagement; Advisory Committee. |
| 4.17 | Key topics and concerns that have been raised through stakeholder engagement. | C | Stakeholder engagement; Advisory Committee. |
Performance indicators |
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| GRI indicator | Status | Comments | |
| Economic performance indicators | |||
| EC1 | Direct economic value generated and distributed. | C | Annual review 2008; Five year financial performance. |
| EC2 | Financial implications and other risks and opportunities for the organisation's activities due to climate change. | PC | Key impacts, risks and opportunities. |
| EC3 | Coverage of the organisation's defined benefit plan obligations. | GRI only |
We will aim to investigate this indicator in 2009. |
| EC4 | Significant financial assistance received from government. | GRI only |
No significant financial assistance was received from government. |
| EC5 | Range of ratios of standard entry level wage compared to local minimum wage at significant locations of operation. | GRI only |
We will aim to investigate this indicator in 2009. |
| EC6 | Policy, practices, and proportion of spending on locally based suppliers at significant locations of operation. | PC | Stakeholder engagement. |
| EC7 | Procedures for local hiring and proportion of senior management hired from the local community at locations of significant operation. | GRI only |
When recruiting for positions we advertise internally and externally as necessary. External advertising for roles in regional centres includes local papers and on regional job search websites. We have not reported the proportion of senior management hired from the local community. |
| EC8 | Development and impact of infrastructure investments and services. | NA | IAG does not provide funds for these kinds of developments. |
| EC9 | Understanding and describing significant indirect economic impacts, including the extent of impacts. | PC | Case studies—insurepink; supplier sustainability screening; setting the standard across Direct Insurance; helping customers in severe weather;. |
| Environmental performance indicators | |||
Strategy and profile |
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| EN1 | Materials used by weight or volume. | PC | Indicators. |
| EN2 | Percentage of materials used that are recycled input materials. | PC | Indicators. |
| EN3 | Direct energy consumption by primary energy source. | C | Indicators. |
| EN4 | Indirect energy consumption by primary source. | C | Indicators. |
| EN5 | Energy saved due to conservation and efficiency improvements. | PC | Case studies—green buildings. |
| EN6 | Initiatives to provide energy efficient or renewable energy based products and services, and reductions in energy requirements as a result of these initiatives. | PC | Key impacts, risks and opportunities; case studies—green insurance innovation New Zealand. |
| EN7 | Initiatives to reduce indirect energy consumption and reductions achieved. | C | Key impacts, risks and opportunities; Indicators. |
| EN8 | Total water withdrawal by source. | PC | We will report our Australian consumption in 2009. See indicators commentary. |
| EN9 | Water sources significantly affected by withdrawal of water. | GRI only |
We will aim to investigate this indicator in 2009. |
| EN10 | Percentage and total volume of water recycled and reused. | GRI only |
We will aim to investigate this indicator in 2009. |
| EN11 | Location and size of land owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value. | NA | IAG's operations do not impact on areas of high biodiversity value. |
| EN12 | Description of significant impacts of activities, products, and services on biodiversity in protected areas and areas of high biodiversity value outside protected areas. | NA | IAG's activities, products and services do not impact on areas of high biodiversity value. |
| EN13 | Habitats protected or restored. | PC | Case studies—volunteering. |
| EN14 | Strategies, current actions, and future plans for managing impacts on biodiversity. | PC | Our commitment. |
| EN15 | Number of IUCN Red List species and national conservation list species with habitats in areas affected by operations, by level of extinction risk. | NA | IAG's operations do not impact on habitats with IUCN Red List species and national conservation list species. |
| EN16 | Total direct and indirect greenhouse gas emissions by weight. | C | Indicators. |
| EN17 | Other relevant indirect greenhouse gas emissions by weight. | GRI only |
We have reported on all of our largest known emission sources. We are currently investigating other sources of our indirect emissions e.g. those produced from landfill waste (indicators). |
| EN18 | EInitiatives to reduce greenhouse gas emissions and reductions achieved. | PC | Key impacts, risks and opportunities; Case studies—green buildings; Earth hour; Every step counts. |
| EN19 | Emissions of ozone depleting substances by weight. | NR | As a financial institution IAG does not directly produce significant amounts of ozone depleting substances or other significant emissions such as SOx and NOx. |
| EN20 | NO, SO, and other significant air emissions by type and weight. | NR | See EN19 for more information. |
| EN21 | Total water discharge by quality and destination. | NA | As a financial institution we do not have any significant discharges to water. |
| EN22 | Total weight of waste by type and disposal method. | C | Indicators. |
| EN23 | Total number and volume of significant spills. | NA | As a financial institution we do not have significant spills. |
| EN24 | Weight of transported, imported, exported, or treated waste deemed hazardous. | NA | We do not have any hazardous waste. |
| EN25 | Identity, size, protected status, and biodiversity value of water bodies and related habitats significantly affected by discharges of water and runoff. | NA | As a financial institution we do not have any significant discharges to water. |
| EN26 | Initiatives to mitigate environmental impacts of products and services, and extent of impact mitigation. | PC | Key impacts, risks and opportunities; |
| EN27 | Percentage of products sold and their packaging materials that are reclaimed by category. | NR | IAG does not produce physical products. |
| EN28 | Monetary value of significant fines and total number of non monetary sanctions. | GRI only |
There were no known sanctions for non compliance imposed on IAG in 2008. |
| EN29 | Significant environmental impacts of transporting products and other goods and materials used for the organisations operations, and transporting members of the workforce. | NR | IAG does not generate significant environmental impacts through transportation of its products and services. IAG does not measure the environmental impacts of workforce transport. |
| EN30 | Total environmental protection expenditures and investments by type. | GRI only |
Our environmental protection expenditures have included the costs of disposing our waste and carbon credits purchased in association with the carbonators program. We will aim to investigate reporting the value of these in 2009. |
| Social performance indicators | |||
Human rights |
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| HR1 | Percentage and total number of significant investment agreements that include human rights clauses or that have undergone human rights screening. | PC | Key impacts, risks and opportunities—investment. |
| HR2 | Percentage of significant suppliers and contractors that have undergone screening on human rights and actions taken. | PC | We are investigating reporting our % strategic operational suppliers in 2009. See indicators and supplier sustainability screening case study. |
| HR3 | Total hours employee training on policies and procedures concerning human rights. | PC | Code of Ethics. |
| HR4 | Total number of incidents of discrimination and actions taken. | GRI only |
There were three incidents of discrimination during the reporting period that were lodged with an external organisation. All of the complaints were investigated internally in order to determine whether there was any evidence to support the complaints. Whilst the matters were lodged in the reporting period, a settlement will be reached in the 2009 reporting year. |
| HR5 | Operations identified in which the right to exercise freedom of association and collective bargaining may be at significant risk, and actions taken to support these rights. | GRI only |
Freedom of association is protected by the Workplace Relations Act 1996 (in Australia) and the Employment Relations Act 2000 (in New Zealand) which mandate not only that employees are free to join a union but also that they should not suffer detriment because of their membership of a trade union. IAG's Code of Ethics specifically refers to the International Labour Organisation (ILO) Declaration on Fundamental Principles and Rights at Work, which includes freedom of association. In addition, the IAG Enterprise Agreement also contains a number of clauses broadly relevant to the exercise of freedom of association. |
| HR6 | Operations identified as having significant risk for incidents of child labour. | GRI only |
Over the reporting period IAG had no known incidents of child labour. We operate under the requirements of local legislation in this area. |
| HR7 | Operations identified as having significant risk for incidents of forced or compulsory labour. | NR | Over the reporting period IAG had no known incidents of forced or compulsory labour. We operate under the requirements of local legislation in this area. |
Labour practices and decent work |
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| LA1 | Total workforce by employment type, employment contract, and region. | C | Indicators. |
| LA2 | Total number and rate of employee turnover by age group, gender, and region. | PC | Indicators. |
| LA3 | Benefits provided to full time employees that are not provided to temporary or part time employees. | PC | Full time and part time employees receive and have access to the same benefits. See our people. |
| LA4 | Percentage of employees covered by collective bargaining agreements. | C | Indicators. |
| LA5 | Minimum notice period(s) regarding operational changes, including whether it is specified in collective agreements. | GRI only |
Notice periods in the instance of operational change are set out in the Insurance Australia Group Enterprise Agreement (EA) 2003. It provides that for employees with less than 25 years service will receive 8 weeks' notice of retrenchment (or payment in lieu) while employees who are either over 45 years of age or have over 25 years service will receive 12 weeks' notice (or payment in lieu). The IAG EA also contains provisions regarding consultation with employees and/or the Finance Sector Union (FSU) regarding any change program which will impact on employees or on their working arrangements. |
| LA6 | Percentage of total workforce represented in formal joint management worker health and safety committees that help monitor and advise on occupational health and safety programs. | PC | See our Charter for Health, Safety and Security. |
| LA7 | Rates of injury, occupational diseases, lost days, and absenteeism, and number of work related fatalities by region. | C | Indicators. |
| LA8 | Education, training, counseling, prevention, and risk control programs in place to assist workforce members, their families, or community members regarding serious diseases. | GRI only |
HIV and AIDS and other communicable diseases are not material risks in our areas of operation. However, we provide a range of services for our staff to mitigate e.g. RSI and stress. These include EAP, and Occupational Health and Safety training. |
| LA9 | Health and Safety topics covered in formal agreements with trade unions. | GRI only |
The IAG Enterprise Agreement (IAG EA) which the Finance Sector Union is a party, contains a specific commitment to a safe workplace (see clause 1.2.5). The IAG EA refers to IAG's Charter for Health, Safety and Security and additional occupational health and safety policies that apply at IAG. |
| LA10 | Average hours of training per year per employee by employee category. | PC | We have a wide range of training available to all our employees, see our people. We will aim to investigate measuring this indicator in 2009. |
| LA11 | Programs for skills management and lifelong learning that support the continued employability of employees and assist them in managing career endings. | GRI only |
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| LA12 | Percentage of employees receiving regular performance and career development reviews. | GRI only |
100%. Organisation policy requires all parts of the business and all categories of employees to follow a standardised performance appraisal process know as "Planning Your Success". |
| LA13 | Composition of governance bodies and breakdown of employees per category according to gender, age group, minority group membership, and other indicators of diversity. | PC | |
| LA14 | Ratio of basic salary of men to women by employee category. | C | |
Society indicators |
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| SO1 | Nature, scope, and effectiveness of any programs and practices that assess and manage the impacts of operations on communities, including entering, operating, and exiting. | GRI only |
To minimise the likelihood of exiting a community we have attempted to ensure that our offices have been established in regional cities, have taken long term leases and employed local people to operate the centres. We do not have any structured programs in place for assessing and managing the impacts of operations on communities. |
| SO2 | Percentage and total number of business units analysed for risks related to corruption. | PC | Risk Management & Compliance Committee Charter;
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| SO3 | Percentage of employees trained in organisation's anti corruption policies and procedures. | PC | Risk management; Code of Ethics. |
| SO4 | Actions taken in response to incidents of corruption. | PC | Code of Ethics. |
| SO5 | Public policy positions and participation in public policy development and lobbying. | C | Stakeholder engagement. |
| SO6 | Total value of financial and in kind contributions to political parties, politicians, and related institutions by country. | GRI only |
Zero. We do not make contributions to political parties or related institutions. |
| SO7 | Total number of legal actions for anti competitive behaviour, anti trust, and monopoly practices and their outcomes. | GRI only |
There were no known legal actions for anti competitive behaviour, anti trust, and monopoly practices. |
| SO8 | Monetary value of significant fines and total number of non monetary sanctions for noncompliance with laws and regulations. | GRI only |
Subsequent to the 2008 financial year, the UK operations incurred a fine for a breach of the Financial Services Authority's Business Principles. This will be further reported on in 2009. |
Product responsibility |
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| PR1 | Life cycle stages in which health and safety impacts of products and services are assessed. | NA | Our products do not have any significant direct health and safety issues. Staff involved in the development of products are addressed through our Charter for Health, Safety and Security. |
| PR2 | Total number of incidents of non compliance with regulations and voluntary codes concerning health and safety impacts of products and services. | GRI only |
There were no known incidents of non compliance with regulations and voluntary codes concerning health and safety impacts of products or services. |
| PR3 | Type of product and service information required by procedures and percentage of significant products and services subject to such information requirements. | GRI only |
We comply with the relevant government legislation per the Financial Services Act in all our product labeling. |
| PR4 | Total number of incidents of non compliance with regulations and voluntary codes concerning product and service information and labeling. | GRI only |
There were no known incidents of non compliance with regulations and voluntary codes concerning product and service information and labeling. |
| PR5 | Practices related to customer satisfaction, including results of surveys measuring customer satisfaction. | C | Indicators. |
| PR6 | Programs for adherence to laws, standards, and voluntary codes related to marketing. | GRI only |
We comply with the relevant government legislation per the Financial Services Act in all our product labeling. |
| PR7 | Total number of incidents of non compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship. | GRI only |
There were no known incidents of non compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship. |
| PR8 | Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data. | GRI only |
There were no substantiated complaints regarding breaches of customer privacy and losses of customer data. |
| PR9 | Monetary value of significant fines for noncompliance with laws and regulations concerning the provision and use of products and services. | GRI only |
There were no significant fines for non compliance with laws and regulations concerning the provision and use of products and services. |
Financial services sector supplement |
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| GRI indicator | Status | Comments | |
| Environmental performance supplement | |||
| F1 | Description of environmental policies applied to core business lines. | C | Our commitment; understanding insurance. |
| F2 | Description of process(es) for assessing and screening environmental risks in core business lines. | C | Environmental risk assessment is a fundamental part of our decision making when accepting and pricing customers’ risk. See |
| F3 | State the threshold(s) at which environmental risk assessment procedures are applied to each core business line. | GRI only |
None. We do not have specific thresholds at which environmental risk assessment procedures are applied to non–customer business transactions. |
| F4 | Description of processes for monitoring clients' implementation of and compliance with environmental aspects raised in risk assessment process(es). | NR | This indicator only applies to retail, commercial and corporate banking. |
| F5 | Description of process(es) for improving staff competency in addressing environmental risks and opportunities. | PC | Case studies—every step counts; our commitment; our commitment–social; our commitment–operations; Code of Ethics. |
| F6 | Number and frequency of audits that include the examination of environmental risk systems and procedures related to core business lines. | C | Our internal environmental management systems have been reviewed internally against ISO14001. Each year these systems are reviewed by a third party assurance provider using the AA1000 Standard. See assurance. |
| F7 | Description of interactions with clients/investee companies/business partners regarding environmental risks and opportunities. | C | Stakeholder engagement; key impacts, risks and opportunities—sustainable investment; benchmarking; environmental responsibility. |
| F8 | Percentage and number of companies held in the institution's portfolio with which the reporting organisation has engaged on environmental issues. | PC | Code of Ethics; environmental responsibility. |
| F9 | Percentage of assets subjected to positive, negative and best in class environmental screening. | PC | Key impacts, risks and opportunities—sustainable investment. |
| F10 | Description of voting policy on environmental issues for shares over which the reporting organisation holds the right to vote shares or advise on voting. | PC | stakeholder engagement. |
| F11 | Percentage of assets under management where the reporting organisation holds the right to vote shares or advise on voting. | GRI only |
There are no assets under management where IAG holds the right to vote shares or advise on voting. We outsource this to the external equity managers who vote on our behalf. We receive a proxy voting report from the external managers either quarterly or annually. |
| F12 | Total monetary value of specific environmental products and services broken down according to the core business lines. | PC | The value of specific environmental products is yet to be evaluated. See case studies—green product innovation in New Zealand. |
| F13 | Value of portfolio for each core business line broken down by specific region and by sector. | C | See IAG’s annual report 2008. |
| Social performance supplement | |||
Corporate social responsibility |
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| CSR1 | Social elements of CSR policy including corporate definition of CSR. | C | Our commitment. |
| CSR2 | Structure and relevant CSR responsibilities, including explanation of the installed procedures . | PC | Operations. |
| CSR3 | CSR audits and auditor hours. | GRI only |
In 2007/08 IAG’s Group Audit and Assurance team undertook an audit of IAG’s sustainability performance indicators. This covered approximately 850 hours. |
| CSR4 | Procedures for handling issues sensitive to stakeholders and responsiveness. | PC | Codes and policies—continuous disclosure policy; security trading policy. |
| CSR5 | Number of non–compliance incidents with any law or regulatory code of conduct. | GRI only |
There were no known non compliance incidents with any law or regulatory code of conduct. |
| CSR6 | Stakeholder dialogue and involvement procedures. | C | Stakeholder engagement; Advisory Committee. |
Internal social performance |
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| INT1 | Social responsibility issues covered in organisation’s human resources policies. | C | Our commitment; Code of Ethics. |
| INT2 | Staff turnover and job creation. | PC | Glossary; indicators—workforce. |
| INT3 | Employee satisfaction. | C | Indicators. |
| INT4 | Senior management remuneration. | C | Annual report 2008. |
| INT5 | Report on bonuses that are not oriented purely towards short term financial success, but which contain additional sustainability elements. | PC | Policies and governance. |
| INT6 | Female to male salary ratio. | PC | Indicators. |
| INT7 | Employee profile per hierarchy level and country. | PC | Indicators. |
Performance to society |
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| SOC1 | Charitable contributions. | C | Indicators. |
| SOC2 | Economic value created by an organisation’s activities. | C | Annual review 2008. |
Suppliers |
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| SUP1 | Polices and procedures to screen suppliers’ social performance. | C | Stakeholder engagement; case studies—supplier sustainability screening |
| SUP2 | Supplier satisfaction. | NR | We will aim to investigate this indicator further in 2009. |
Asset management |
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| AM1 | Social criteria applied in asset management. | C | Key impacts, risks and opportunities—sustainable investment. |
| AM2 | Report on provision of tailored and innovative products and services applying special positive ethical/sustainability criteria. | C | CEO statement in IAG’s annual review 2008; case studies—Green product innovation in New Zealand; |
| AM3 | Socially Responsible Investment oriented shareholder activity. | C | Key impacts, risks and opportunities—sustainable investment. |
Insurance |
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| INS1 | Social criteria applied in underwriting policy. | PC | Case studies—insurepink. |
| INS2 | Customer profile. | NR | We take age into account in determining the risk profile of our customers, for example discounts for over 50–year olds as they are a better risk. |
| INS3 | Report on the number of complaints received from customers. | NR | We are aiming to report this for our Australian business in 2009. |
| INS4 | Provision of tailored and innovative products and services applying special ethical/sustainability criteria. | C | CEO Statement in IAG's annual review 2008; case studies—Green product innovation in New Zealand; case studies—insurepink. |
