The Group confirmed its commitment to ensuring access to its products and services also for those who cannot easily access them. The capillary extension of its network has enabled the Group to remain close to the community even during 2023.
Poste Italiane supports promoting the protection of the rights of local communities with the aim of guaranteeing accessibility to its products and services in the territories and for categories of users who would otherwise be excluded, in accordance with the principles established in the company policy on safeguarding and protection of Human Rights. At the same time, the Company undertakes to promote initiatives aimed at disseminating and supporting the right to study, economic sustainability and social connection, intercepting, thanks to the network of company resources, the needs deriving from the various forms of disadvantage, in order to develop ways of providing products and services that meet the needs of the various categories of customers, in line with the Group's omnichannel strategy. Poste Italiane is committed to promoting the well-being and financial stability of the communities in which it operates, with particular reference to groups at risk of exclusion, by deploying various types of support initiatives aimed at raising awareness and increasing awareness among them.
To encourage the use of the digital channel by all citizens, also taking into account the experience gained during the emergency context, Poste Italiane also encouraged various communication campaigns during 2023 aimed at promoting the online operation of postal savings. In order to encourage its customers to manage their postal savings online, the Company offers a wide range of services available through digital channels, ranging from displaying balances and movements for holders of a Libretto Smart or Ordinario to the management of the Libretto Minori by parents, from the subscription of dematerialised postal savings bonds to the transfer of money between books and BancoPosta current accounts, to the recharging of Postepay cards and the association of IBAN to the book.
For further insights into the products, services and ways through which the Group supports and incentivizes financial inclusion of traditionally excluded groups, see the attached document .
Poste Italiane supports promoting the protection of the rights of local communities with the aim of guaranteeing accessibility to its products and services in the territories and for categories of users who would otherwise be excluded, in accordance with the principles established in the company policy on safeguarding and protection of Human Rights. At the same time, the Company undertakes to promote initiatives aimed at disseminating and supporting the right to study, economic sustainability and social connection, intercepting, thanks to the network of company resources, the needs deriving from the various forms of disadvantage, in order to develop ways of providing products and services that meet the needs of the various categories of customers, in line with the Group's omnichannel strategy. Poste Italiane is committed to promoting the well-being and financial stability of the communities in which it operates, with particular reference to groups at risk of exclusion, by deploying various types of support initiatives aimed at raising awareness and increasing awareness among them.
Thanks to its widespread presence throughout Italy, Poste Italiane maintains a close connection with the communities in which it operates, ensuring accessibility to its products and services, with the aim of promoting social inclusion
The Group monitors its initiatives and the offering of products and services through the implementation of continuous and structured dialogue initiatives, such as, for example, the discussion activity with the main internal and external stakeholders, organised on an annual basis. The primary objective is to monitor the needs of the community and the level of satisfaction in relation to the products and services offered, as well as to promote the comparison of best practices for the development of an inclusive financial market. Poste Italiane adopts principles of seriousness, reliability and flexibility in providing dedicated offers to all categories of customers to which it is addressed, also taking into account specific needs.
Furthermore, the Group maintained the program to relaunch postal savings, guaranteeing the improvement of the quality and efficiency of the services offered to customers, also through the implementation of the digital channel. In particular, online operations on BancoPosta current accounts for the purchase of Buoni Fruttiferi Postali were guaranteed 24 hours a day, 7 days a week. In addition, the variety of the Postal Savings Bond catalogue and the possibility of subscription also online make it possible to meet the various needs of consumers. Among the aforementioned Bonds, the following are noted:
Furthermore, the Group maintained the program to relaunch postal savings, guaranteeing the improvement of the quality and efficiency of the services offered to customers, also through the implementation of the digital channel. In particular, online operations on BancoPosta current accounts for the purchase of Buoni Fruttiferi Postali were guaranteed 24 hours a day, 7 days a week. In addition, the variety of the Postal Savings Bond catalogue and the possibility of subscription also online make it possible to meet the various needs of consumers. Among the aforementioned Bonds, the following are noted:
- the 3X4 Bond, with interest, fixed and increasing, accruing at the end of each three-year period from the date of subscription and, after 3, 6 and 9 years, is also recognised in the event of early redemption;
- the 3X2 Bond, with interest, fixed and increasing, accruing at the end of each three-year period from the date of subscription and, after three years, also recognised in the event of early redemption;
- the 4-Year Plus Bond, with a term of 4 years, provides for the capital invested and interest to be recognised at the end of 4 years;
- the Ordinary Bond, whose interest is fixed and increasing and is recognised in the event of reimbursement after 1 year from subscription and, subsequently, every two months. It is possible to request redemption at any time, within the statute of limitations, the return of the invested capital and, one year after subscription, also with the accrued interest;
- the Sustainable Savings Bond, which pays a fixed return and the possibility of earning, at maturity, a premium linked to the performance, if positive, of the STOXX® Europe 600 ESG-X index;
- the Renew Bond, dedicated to those who have redeemed an Interest-bearing Postal Certificate that expired after 1 August 2023. It has a term of 6 years, with interest, fixed and increasing, accruing at the end of each three-year period from the date of subscription and after three years being recognised even in the event of early repayment;
- the Children's Bond is an investment option designed to support children's big projects. The interest on this bond accrues with the children until they reach the age of majority. Characterised by a gross annual yield of up to 6.00%, this bond offers the opportunity to grow along with the child, with interest accruing steadily until the child turns 18, guaranteeing a fixed yield during this crucial period. Moreover, this investment offers financial security thanks to the 12.50% preferential taxation on interest and the exemption from inheritance tax;
- Soluzione Futuro Bond, which is a solid instrument to guarantee a stable income over the years. The annuity, consisting of 180 instalments, starts at age 65 and extends until the 80th birthday, offering continuous financial support during retirement. The bonds enjoy a preferential tax rate of 12.50% on interest and are exempt from inheritance tax, ensuring an investment experience free of additional financial burdens;
- the Inheritance Solution Bond, dedicated to beneficiaries of an inheritance procedure concluded in Poste Italiane, recognises a certain yield at the end of the four-year period.
To encourage the use of the digital channel by all citizens, also taking into account the experience gained during the emergency context, Poste Italiane also encouraged various communication campaigns during 2023 aimed at promoting the online operation of postal savings. In order to encourage its customers to manage their postal savings online, the Company offers a wide range of services available through digital channels, ranging from displaying balances and movements for holders of a Libretto Smart or Ordinario to the management of the Libretto Minori by parents, from the subscription of dematerialised postal savings bonds to the transfer of money between books and BancoPosta current accounts, to the recharging of Postepay cards and the association of IBAN to the book.
For further insights into the products, services and ways through which the Group supports and incentivizes financial inclusion of traditionally excluded groups, see the attached document .
