6. MAPFRE’s ENVIRONMENTAL DIMENSION...Developing products and services that contribute to...

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ANNUAL REPORT 2005 REPORT ON SOCIAL RESPONSIBILITY • MAPFRE’s environmental dimension

6. MAPFRE’s ENVIRONMENTAL DIMENSION

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6. MAPFRE AND THE ENVIRONMENTCOMMITMENT TO SUSTAINABLE DEVELOPMENT

MAPFRE’S commitment to the environment is developed through the environmental policy

approved by MAPFRE’s executive commission in 2005. This policy incorporates the environmen-

tal variable in an all-encompassing fashion in all aspects of MAPFRE’s activities, through three

pillars:

° Integrating the environment into the business

° Environmental management

° Environmental responsibility

The environmental policy is being implemented through an Environmental Plan of Action, which

is developed through multi-year goals for the entire SISTEMA MAPFRE and manifested through

concrete goals at each Unit and/or building.

MAPFRE participates in environmental forums such as the Global Compact and the United

Nations Environment Programme Finance Initiative (UNEP FI), and working groups that analyse

and evaluate environmental risks.

ENVIRONMENTAL GOALS

In the fiscal year 2005 the following goals were met:

° Integrating the concept of “sustainability” into the institucional principles of MAPFRE.

° Approval of the Environmental Policy and Environmental Action Plan by MAPFRE’s executive

commission.

° Environmental review of all the administrative buildings in Spain.

° Certification of the MAPFRE headquarters’ Environmental Management System in line with

ISO norm 14.001.

° Development of written environmental directives for all activities that might have an environ-

mental impact.

° Activities for employees and collaborators to be more aware of the environment.

The main goals expected to be achieved in 2006 are the following:

° Development and implementation of an energy efficiency plan that will improve the co-effi-

ciency of MAPFRE’s activities, causing direct effects that will save energy, as well as other

indirect benefits to reduce emissions of carbon dioxide.

° Development and implementation of the “3Rs Project”, which will reduce consumption of

resources used in administrative activities, such as paper and toner, and increase our current

recycling ratios.

° Environmental certificates for key MAPFRE buildings, continuing a process that began in

2005.

° Activities in the Environmental Training Programme approved in 2005 to teach all employees

involved in MAPFRE’s environmental performance.

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ENVIRONMENTAL POLICY

MAPFRE works to generate profits for its members, shareholders and those who participate

or collaborate in its activities to serve society, in recognition of role we play in its progress and

development.

All of those who participate in MAPFRE, at any level, add something to this contribution toward

sustainability by applying a sense of responsibility and ethics, which includes a firm commitment

to preventing pollution and to preserving the environment.

This commitment takes shape by integrating the environment into the business, developing

environmental management activities and promoting a sense of environmental responsibility

in society.

Integrating the environment into the business

° Applying environmental criteria in the processes of planning and decision-making on issues

that can have environmental impact, such as the process of evaluating investments, choosing

suppliers and managing buildings.

° Developing products and services that contribute to improving management of environmental

risk in society.

Environmental management

° Compliance with environmental legislation that applies to MAPFRE’s activities, as well as

commitments taken on voluntarily, and adoption of measures aimed at continuous improve-

ment of its conduct in this area through development of an Environmental Management

System, which sets periodic goals, verified through audits.

° Using resources in a reasoned way, minimising consumption of water, paper and energy,

reducing generation of waste and emissions and encouraging recycling through the implan-

tation of good environmental practices; and searching for ecologically efficient technological

solutions for buildings.

° Use of the necessary means for this environmental policy to be known by all employees and

available to the general public, and periodic information on progress achieved in environmen-

tal management.

Promoting environmental responsibility

° Making resources available to employees so they participate in achieving MAPFRE’s environ-

mental objectives and contribute to sustainable development.

° Development of activities for Society to be more aware of the environment through educa-

tional, awareness and publicity drives aimed at a variety of sectors, and promotion of good

environmental practices among customers and suppliers.

° Contribution to research, development and spread of scientific and technical knowledge

aimed at preserving the environment, and participation in national and international organi-

sations and forums that promote and support initiatives for its protection.

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ENVIRONMENTAL PERFORMANCE INDICATOR

SISTEMA MAPFRE CORPORACIÓN MAPFRE EVOLUTION 2005

OBJETIVE FOR 2006

REMARKSUnit Scope 2005 Unit Scope 2005

ENERGY

Total energy consumption kwh (1) 60,626,116 kwh (8) 22,440,460 The most important achievement in the area of energy consumption was the approval of an Energy Efficiency Plan for 2006. By applying the measures in this plan, significant progress is expected the coming fiscal years.

Energy consumption from public network kwh (1) 55,642,924 kwh (8) 20,359,082 YES

Consumption of natural gas m3 (1) 315,470 m3 (8) 48,955

Consumption of gas-oil L (1) 151,345 l (8) 151,345

PAPER

Total paper consumption mT (2) 2,057 mT (8) 770

MAPFRE applies environmental criteria to choose suppliers of paper. It requires an ECF certificate and values positively an ecological label.

Total consumption of recycled paper mT (2) 18 mT (8) 7 YES

ECF paper as proportion of total paper consumption

% (2) 100 % (8) 100

Paper with ecological label as proportion of total paper consumed % (2) >10 % (8) >10

WATER In 2006 we will continue applying the existing water consumption efficiency criteria.Consumption of water m3 (1) 284,880 m3 (8) 195,017 NO

RECYCLING

Total toner recycled Units (3) 4,389 Units (9) Not available

YES “3Rs project”

Total paper reciclado Kg (3) 120,986 Kg (9) Not available

“

Cell phone refuse Units (4) > 500 Units (8) >150 “

Recycling of salvaged vehicles Units (6) 1,995 - -Does not

applyDoes not

applyAlthough a goal has been set, it is related to the performance of one of the companies in the Group

Recycling of parts from salvaged vehicles Units (6) 43,890 - - Does not apply

Does not apply

WASTE Sanitary waste Kg (5) 213 Kg (11) 175 NO

Activities planned focus on prevention and optimisation of waste management.

Hazardous garage waste mT (14) 60 - - Does not apply

NO

Non-dangerous garage waste mT (14) 13,083 - - Does not apply

NO

REUSE

Computer equipment units (4) 112 - -Not

availableYES Reuse projects to be developed

Reuse of waste water for irrigation m3 (4) 0 - -Does not

applyYES

Project underway for reuse of water from Majadahonda headquarters for irrigation

EMISSIONS Total CO2 emitted mT (1)/(7) 29,840 mT (8)/(7) 11,169 YES Related to energy objective

ECOLOGICAL EFFICIENCY Water consumption/employee m3 (1) 32.51 m3 (9) 59.46 YES Related to “3Rs project”

Paper consumption/employee mT (2) 0.20 mT (9) 0.23 YES “

Paper sent for recycling/employee Kg (3) 25.59 - - Not available

YES “

Toner recycled/employee units (3) 1.31 - - Not available

YES “

CO2 emitted/employee mT (1) 3.41 mT (9) 3 YES “

Total energy consumption/ employee kwh (1) 6,918 kwh (9) 6,841.60 YES “

Waste per doctor appointment kg (5) 0.002 - - Not available

NO

ENVIRONMENTAL PERFORMANCE INDICATORS

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: FAVORABLE EVOLUTION OF THE INDICATOR COMPARED TO THE PREVIOUS FISCAL YEAR

: NO SIGNIFICANT CHANGE OBSERVED FROM THE PREVIOUS YEAR

: UNFAVORABLE EVOLUTION COMPARED TO DATA FROM PREVIOUS FISCAL YEAR

ENVIRONMENTAL RISK MANAGEMENT

Third-party environmental liability policies written in the year

nº (12) 764 nº (12) 762 Does not

applyAlthough a goal has been set, it is related to the performance of certain units within the Group

Premiums from the portfolio of third party environmental liability policies (12) 1,379,412 (12) 1,376,695

Does not apply

Insured wind power facilities MW (15) 3,423 MW (12) 3,423 Does not

apply

Insured wind-driven generators nº (15) 4,052 nº (12) 4,052 Does not

apply

ENVIRONMENTAL MANAGEMENT

ISO 14001 YES/NO (4) YES YES (*) see footnotee

Hours of environmental training nº (10) 429

Full-time environmental specialists YES/NO (4) YES

Beneficiaries of environmental action programmes nº (4) >200,000

Environmental fines or sanctions nº (13) 0

Note: The system of indicators was devised using GRI criteria. The data refer to Spain, with observations made in the footnotes

(1) Estimate on the basis of data recorded as of Oct. 31, in supply accounts and considering the average rate. Includes data from MUTUALIDAD, SEGUROS GENERALES, VIDA, CAUCIÓN, AGROPECUARIA, GUANARTEME, EMPRESAS, INDUSTRIAL, RE, INMUEB

(2) Paper consumption figures based on purchases from MAPFRE corporate suppliers.

(3) Includes data from MAPFRE’s 8 most representative buildings (Headquarters, Palacete, Autocentro Alcalá, General Perón, Recoletos 23, Bárbara de Braganza, A Coruña, Valencia and Torre MAPFRE)

(4) Includes entire SISTEMA MAPFRE.

(5) Data refer to medical services for employees at buildings Torre MAPFRE, Recoletos 23, General Perón and Headquarters and rehabilitation clinics, centres and medical services for MAPFRE policyholders.

(6) Data from CESVIMAP

(7) Calculation of CO2 emissions done with methodology proposed for office sector by GhG Protoco of the World Business Council for Sustainable Development

(8) Estimate on the basis of data recorded in supply accounts and considering the average rate. Includes data from SEGUROS GENERALES, VIDA, CAUCIÓN, GUANARTEME, EMPRESAS, INDUSTRIAL, RE, INMUEBLES and CAJA SALUD.

(9) Estimate using data from SISTEMA MAPFRE, based on number of employees at CORPORACIÓN MAPFRE.

(10) Includes hours of training received by staff at environmental department, plus hours of training given by the environmental department to staff with responsibility in implementing environmental management system

(11) Includes data from CAJA SALUD and SEGUROS GENERALES (SEGESYMED)

(12) Data from the Business Unit and MAPFRE AGROPECUARIA. Data as of Dec. 31

(13) Data refer to buildings that are headquarters for Companies and Territorial General Directorates.

(14) Waste is generated at MULTISERVICAR and CESVIMAPgarages

(15) Data from Business Units

* The process of implementing the Environmental Management System began in 2005. There is now an ISO 14001 certificate for activities carried out at the Headquarters of MAPFRE, which includes the central services of MAPFRE

ENVIRONMENTAL PERFORMANCE INDICATOR

SISTEMA MAPFRE CORPORACIÓN MAPFRE EVOLUTION 2005

OBJETIVE FOR 2006

REMARKSUnit Scope 2005 Unit Scope 2005

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ECOLOGICAL EFFICIENCY

MAPFRE makes a quantitative evaluation of the environmental impact of its conduct. Through

this analysis, it identifies the main areas where there is room for improvement and in them

establishes environmental goals and plans of action.

One of MAPFRE’s main effects on the environment is consumption of resources. It is now

working to achieve a lower consumption of resources per employee. In 2006 it will implement

the “3Rs Project”, through which we foresee significant progress in ecological efficiency.

To this effect a directive has been approved for the entire group for the application of envi-

ronmental criteria in processes involving purchasing. Under this initiative the products used

will gradually be replaced by others which are more respectful of the environment.

As examples of some of the achievements already made, much of our computer equipment

have incorporated features to save energy and paper, and some products we consume, such

as paper for photocopies, meet environmental criteria. All of the paper consumed in 2005 was

ECF (elemental chlorine free) and more than 10% had an ecological label.

In 2005 MAPFRE consumed 283,462 m3 of water. However, our facilities are applying meas-

ures to reduce consumption and these have led to annual reductions of approximately 2%.

Besides measures to save water, in line with our environmental commitment, and with the

goal of helping ease the effects of the intense drought Spain experienced in 2005, MAPFRE

approved urgent water-saving measures:

° Watering lawns and gardens at buildings that are company headquarters was forbidden.

° An initiative was implemented to modify current gardens so as to make them more effi-

cient, with ecological designs.

° A water recycling plant is being built to reuse waste water generated on the premises for

watering lawns and gardens. The plant will start functioning in 2006 and facilitate reuse of

60m3/day of water for irrigation.

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As for energy use, MAPFRE has developed initiatives to use renewable sources of energy and

increase the energy efficiency of the buildings where it operates. One example is the co-gen-

eration plant at the headquarters, which has been operating since 1996 and generated more

than 20 million Kw/h since then.

In 2005 energy consumption rose in comparison to 2004, although there was a change in the

sources of generation. Thus, use of natural gas increased and consumption of liquid fuels

fell, allowing for a slight reduction in CO2 emissions. Measures to control and reduce energy

consumption will get a further boost in 2006 with the design and implementation of an Energy

Efficiency Plan.

MAPFRE applies programmes for maintenance and control of heating and cooling equip-

ment. Periodic technical checks are carried out to be sure that facilities which can release

emissions into the atmosphere are working optimally and comply with parameters set by law.

In all air conditioning equipment preventive maintenance is carried out, as are photo-chemi-

cal and legionella checks mandated by current law.

Furthermore, in compliance with the Montreal Protocol to reduce emissions of clorofluoro-

carbons (CFCs) MAPFRE has withdrawn the gas halon from its facilities and the new fire-

extinguishing systems use atomised water. An inventory has been drawn up of equipment

that uses CFCs and a plan is being applied to withdraw it gradually and replace it with eco-

logical coolants.

PROMOTING RECYCLING

In 2005 a study was done on the waste generated by MAPFRE, focusing on 44 buildings in

Spain, where 80 of the company’s employees work. As a result of the study, an environmental

report for each building was issued and an inventory was drawn up of the waste generated

at MAPFRE. The study served as the basis for planning certain initiatives in 2005 and coming

years.

The main forms of waste generated at MAPFRE are paper and toner. At buildings where the

most waste is generated, measures have been put into effect to encourage recycling. In 2005

MAPFRE recycled more than 100 metric tonnes of non-hazardous waste.

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At the Majadahonda complex, where some 1,300 people work, waste is sorted – paper, toner,

packaging, organic and other kinds of waste – and all of it is sent for recycling. This pro-

gramme will take effect in other MAPFRE administrative buildings in 2006.

Besides this recycling activity, measures are being taken to optimise management of the har-

zardous wastes generated as a result of maintenance of facilities. Certain activities generate

very specific kinds of waste, such as sanitary waste from medical centres or the waste from

garajes where cars are maintained and repaired. These hazardous wastes are handled under

preventive criteria and the legal norms set by the government.

Other materials, such as those of an electric or electronic nature, can be given away once

they can no longer be used at MAPFRE. MAPFRE has a tradition of donating computer equip-

ment to non-profit groups and educational organisations.

One programme worth pointing out is MAPFRE’s participation in a campaign to collect old

cell phones in collaboration with the Red Cross and the Fundación Entreculturas. Customers

and employees can leave their unused cell phones in special containers located at MAPFE

buildings. In 2005 more than 500 cell phones were collected for recycling.

Through CESVIMAP, MAPFRE began working more than a decade ago to contribute toward

reducing the environmental impact of damaged vehicles and allow for non-contaminat-

ing handling to salvage parts and materials for them to be re-used. The research process

undertaken culminated in the implementation in 2001 of the plan CESVI RECAMBIOS, a facil-

ity dedicated to the ecological salvaging of un-used vehicles. In 2005 it handled around 2,000

such vehicles.

ENVIRONMENTAL MANAGEMENT

At MAPFRE there are environmental norms that are applied at all facilities, to all activities

and in all countries where the Group operates in order to define the behaviour MAPFRE must

exhibit when it comes to enaging in an activity that might have an impact on the environment.

These norms are being applied though an Environmental Management System that allows

for across-the-board integration of the environmental factor and a positive contribution to

improving economic performance through managing environmental risks. In 2005 a docu-

mentation system was completed and the process of implementing the system at the most

important MAPFRE buildings has begun.

An environmental certificate for the ISO 14001 norm has been received for the activities car-

ried out at the MAPFRE headquarters, where some 1,300 people work. MAPFRE also has an

ISO 14001 certification for CESVIMAP.

Participation and involvement of employees is key to meeting environmental goals. In 2005 an

Environmental Training Plan was approved for all employees with the goal that they contrib-

ute to sustainable development. In 2005 training courses were given to employees involved

in implementing the environmental management system.

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All MAPFRE buildings are located in urban or industrial areas, not near protected nature

areas, so they do not have direct impact on biodiversity.

With the goal of minimising environmental impact even outside the workplace, this year

MAPFRE compiled a “decalogue for saving water” and a “decalogue for saving energy”, which

were distributed over the corporate Intranet. The goal of these reports was to encourage

employees and collaborators to engage in good environmental practices and responsible

consumption of resources.

At MAPFRE water is used mainly for sanitary purposes. Waste water is mainly deposited in

the municipal treatment network and is free of chemical pollutants.

ENVIRONMENTAL RISK MANAGEMENT

MAPFRE helps society manage environmental risk with products and services that are

adapted to the needs our customers and whose ultimate goal is to keep these risks from

becoming a reality.

Examples of environmental risk management products in the industrial sector are the

environmental liability policy, insurance for the design, construction and activation of wind-

energy parks and other innovative solutions such as policies that cover possible financial

losses from a lack of sun at wind-power facilities. MAPFRE is the leader in these markets in

Spain, with 1.3 million euros in premiums in liability policies for pollution, and 4,000 insured

wind-driven generators that produce 3,000 MW per year.

MAPFRE is also contributing to the development of wind-power parks, offering specific terms

for this kind of risk and participating as a partner with Caja Madrid in the agreement it signed

with the Finance Department of the Madrid Regional Government to encourage use of renew-

able sources of energy.

And in relations with risks stemming from a possible increase in the frequency and inten-

sity of natural disasters, MAPFRE offers its policyholders and reinsurees the possibility of

adequate financial protection against such risks through insurance and reinsurance cover-

age. For some of these risks, the coverage evaluation in the policy uses advanced statistical

models for simulating natural disasters.

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Each year MAPFRE technicians carry out around 400 environmental risk assessments to

decide whether to issue environmental liability policies. About 25% of these assessments

require visits to the premises. During these visits the technicians evaluate the potential risk

to which the customer is exposed, identify ways of improving environmental risk manage-

ment and make proposals for engineering measures or optimisation of management to

reduce environmental risk.

Through the scope of their activity, some companies such as CESVIMAP and ITSEMAP con-

tribute to reducing environmental risk.

CESVIMAP investigates repairs of vehicles involved in accidents and trains personnel in the

repair and evaluation of damage to vehicles. Much of the research carried out by this com-

pany has helped reduce the use of polluting resources such as paint or solvents and minimize

the environmental impact of repairing vehicles. This research is released is made available

through publications and training sessions.

ITSEMAP, an environmental and safety engineering company, provides technical assistance

in industrial environmental risk management. Among other tasks it develops tools that facili-

tate analysis of environmental risks, both in the insurance sector and others with a greater

environmental impact.

ENVIRONMENTAL CONTRIBUTION TO SOCIETY

The Fundación MAPFRE has promoted the development of environmental studies and guides

for environmental risk management in society, such as the “Manual for handling contami-

nated soil for small and medium-size companies” and the “Manual for the Ceramics Sector

on the system of greenhouse gas emission rights”.

The MAPFRE Institute for Road Safety encourages efficient driving, which refers to using cars

in a more reasoned way so as to reduce their impact on the environment without having to

give up driving. With the goal of making driving less of a pollutant, the MAPFRE Institute for

Road Safety offers “Road Safety Tips” on its web page. These are a series of techniques for

more efficient driving.

In the area of environmental awareness, the MAPFRE Road Safety Institute has worked with

several government bodies by distributing free material on the environment and automobile

use. Some activities are directed especially at children, such as publication of school materi-

als on road safety for primary and second school students, or periodic publications for small

children. More than 200,000 children have benefited from this educational material. Also

worth pointing out is the work that MAPFRE Road Safety Institute has done in recent years to

encourage safe practices among employees of insured companies who use vehicles in their

everyday work. The DVD entitled “Techniques for more Efficient Driving” has been distributed

among 8,522 people.

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In 2005, special activities were carried out with other organisations. These include promotion

of the televisión series “Green Paths” (Vías Verdes) and many campaigns to encourage use

of bicycles.

As in previous years, MAPFRE EMPRESAS devised new Basic Guides on the Environment.

These publications offer information and recommendations on environmental risks in a vari-

ety of industrial sectors. The goal is to help policyholders identify and manage environmental

risks.

In 2005 environmental guides were composed for sectors involved in manufacturing cement,

sugar and paint, and for dumping sites for urban waste. Another guide addresses laws on envi-

ronmental safety and prevention. The guides were distributed through the comercial network

and are available on the web site of MAPFRE EMPRESAS (wwww.mapfreindustrial.com).

RELATIONS WITH INTEREST GROUPS

The following table summarizes the basis of relations with stakeholders as to the environ-

mental dimension of sustainability.

Customer

- Products and services for environmental risk management

- Information for environmental risk management

- Possibility to express concerns through customer service department and Environmental Department.

Employees

- Environmental training and distribution of educational materlal

- Ways of contributing to sustainable development by consuming resources that are more environmentally friendly and seeking greater ecological efficiency

- Considering employee suggestions for establishing environmental objectives

Society- Activities through Fundación MAPFRE

- Minimization of environmental impact

Government- Commitment to complying with environmental norms that must be applied

- Making resources available to the government through Fundación MAPFRE

Suppliers- Definition of environmental criteria for purchasing and supplies

- Information for reducing the environmental impact of MAPFRE facilities

Shareholders

- Controlling the environmental risk of MAPFRE activities

- Environmentally responsable behaviour

- Responding to investor requests for information

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