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Environmental Responsibility

The Swiss Life Group cares for the environment and aims to continuously reduce its carbon footprint. To this end, Swiss Life now depends on Group-wide goals for operational ecology.

Environmental and Climate Protection

Swiss Life set out Group-wide goals for operational ecology in 2018. This measure is intended to shore up Swiss Life’s efforts to make an active contribution to climate protection and to the reduction of CO2 contamination. At the same time, the company also wants to further increase employee awareness of environmental and climate protection and has introduced measures to enhance operational ecology and environmental management in its own activities.

Operational ecology goals of the Swiss Life Group

Overarching operational ecology objective

In its operational ecology, Swiss Life focuses on climate protection and aims to continuously reduce its carbon footprint.

Greenhouse gas

Swiss Life wants to reduce its greenhouse gas emissions by 10% by 2021.

Electricity

Swiss Life wants to increase the share of electricity it uses in its buildings from renewable energy sources with an eye to reaching 100% by 2021.

Fossil fuels

Swiss Life wants to continuously reduce its use of fossil fuels in its business premises within its investment cycles.


Operational ecology indicators

Environmental data on operational ecology are gathered annually in accordance with the globally recognised standard of the Association for Environmental Management and Sustainability at Financial Institutions (VfU). Its annual data collection allows Swiss Life to determine where progress has been made, where risks lie and where steps must be taken. The VfU key figures conform to the international Greenhouse Gas Protocol (Scope 1, 2 and 3) standards, and thus to the CDP (formerly Carbon Disclosure Project) as well. The data are gathered, evaluated and analysed across the Group. All the major Swiss Life locations have environmental officers and the individual divisions work closely together.


Absolute environmental indicators

201820172016 1
TOTAL ENERGY CONSUMPTION (IN MWH)49 50047 81949 075
Electricity (in MWh)32 01131 55733 501
Heating (in MWh)15 93314 75913 965
District heating/cooling (in MWh)1 5561 5031 609
RENEWABLE ELECTRICITY (IN MWH)15 89017 86813 905
Proportion of renewable electricity (in %)505742
BUSINESS TRAVEL (IN MILLION KM)68.863.162.0
PAPER CONSUMPTION (IN T)9341 0311 084
Proportion of paper with FSC label (in %)666360
WATER CONSUMPTION (IN M3)100 94084 36173 677
WASTE (IN T)1 0091 1321 002
WASTE RECYCLING (IN T)542655613
Waste recycling (in %)545861
TOTAL GREENHOUSE GAS EMISSIONS (IN T)24 43622 78826 647
Greenhouse gas emissions Scope 1 (CO2 equivalents in t)9 3418 6678 660
Greenhouse gas emissions Scope 2 (CO2 equivalents in t)3 4392 9356 578
Greenhouse gas emissions Scope 1 and 2 (CO2 equivalents in t)12 78011 60115 239
Greenhouse gas emissions Scope 3 (CO2 equivalents in t)11 65611 18611 408

Relative environmental indicators per full-time position (FTP)

201820172016 1
TOTAL ENERGY CONSUMPTION (IN KWH/FTE)5 6145 8236 098
Electricity (in KWh/FTE)3 6313 8434 163
Heating (in KWh/FTE)1 8071 7971 735
District heating/cooling (in KWh/FTE)176183200
RENEWABLE ELECTRICITY (IN KWH/FTE)1 8022 1761 728
BUSINESS TRAVEL (IN KM/FTE)7 8047 6867 709
PAPER CONSUMPTION (IN KG/FTE)106126135
WATER CONSUMPTION (IN M3/FTE)11109
WASTE (IN KG/FTE)114138125
WASTE RECYCLING (IN KG/FTE)618076
TOTAL GREENHOUSE GAS EMISSIONS (IN KG/FTE)2 7712 7753 311
Greenhouse gas emissions Spope 1 (CO2 equivalents in kg/FTE)1 0591 0551 076
Greenhouse gas emissions Scope 2 (CO2 equivalents in kg/FTE)390357817
Greenhouse gas emissions Scope 1 and 2 (CO2 equivalents in kg/FTE)1 4491 4131 893
Greenhouse gas emissions Scope 3 (CO2 equivalents in kg/FTE)1 3221 3621 418

With the acquisition of new companies, the Swiss Life Group’s greenhouse gas emissions increased by 7% in 2018, although emissions per employee remained stable. And, while the absolute consumption of energy and water, as well as the absolute volume of business travel, also increased due to business development, relative consumption per employee basically remained stable. Paper consumption, on the other hand, is also being affected by digitalisation at Swiss Life, having declined continuously in recent years, in 2018 absolutely by 10% and per employee by 16% compared to the previous year.


Local initiatives and focuses

Switzerland

In Switzerland, Swiss Life is a member of the Zurich Energy Model and has been drawing all its electricity from renewable energy sources for over ten years. This has enabled the company to reduce its annual greenhouse gas emissions by over 1300 tonnes. With its energy model, Swiss Life has pledged to improve energy efficiency at its Zurich location by 1.76% every year until 2020. Swiss Life’s head office is practically CO2 neutral. Since the early 1990s, the building has been cooled with water from Lake Zurich. Around three years ago, the system was further developed to make use of lake water for heating as well, by means of a heat pump. Over 95% of the building’s heating needs are now supplied in this fashion. All the sanitary facilities at both Zurich locations are equipped with water-saving installations, which allows Swiss Life Switzerland to save some three million litres of water each year. Rainwater has also been one of the water sources used for the sanitary facilities since 1999. All printers and copiers use paper with FSC label from environmentally and socially friendly forestry. Employees are instructed to keep their paper consumption to a minimum.

Swiss Life wants to make an active contribution to climate protection through operational ecology, for which reason it set up the Swiss Climate Foundation in 2008 in cooperation with other Swiss companies. The foundation supports SMEs in becoming more energy efficient and reducing their CO2 emissions.

France

Theme days are held regularly in France, with an eye to sensitising employees to environmental protection. In 2018, employees were urged to take part in campaigns focusing on waste sorting.

The greatest proportion of greenhouse gas emissions in France is still from business travel. An Employee Survey was carried out in 2018 on the topic, whose findings have been evaluated by working groups and transformed into proposed measures. Thus for instance the working groups have proposed in future setting greater store by video conferences and “Mobile Office” and suggested enlarging the proportion of ecologically friendly vehicles in the company’s fleet. The measures proposed are being subjected to more detailed analysis in 2019 and implemented where possible.

Moreover, in November 2018, Swiss Life France switched to 100% electricity from renewable energy sources in all its business premises (previous year: 0%).

Germany

In Germany, the two main Swiss Life branch offices, in Garching near Munich and in Hanover, have repeatedly been awarded the ECOPROFIT seal for their outstanding commitment to corporate environmental protection. The seal rewards efforts to reduce CO2 emissions and save resources. Swiss Life uses green electricity at both branches.

Swiss Life Germany has also been represented in the Klima-Allianz der Stadt Hannover (Climate Alliance of the City of Hanover) network for over ten years and undertakes, in cooperation with other companies, to reduce CO2 emissions and increase energy efficiency in urban areas.

Corpus Sireo, a German company of Swiss Life Asset Managers, is gradually switching its business premises to 100% electricity from renewable energy. The company is also implementing measures in its motor pool to help improve its carbon footprint.

Swiss Life International

At Swiss Life International, with offices in Liechtenstein, Luxembourg, the UK, Austria, the Czech Republic and Singapore, all areas work in modern, energy-efficient office buildings. Optimal workspace occupancy and digitalisation measures help to consistently reduce the company’s environmental impact. Employees are sensitised about keeping their paper consumption and generation of waste to a minimum. Furthermore, the number of parking spaces is limited to encourage staff to use public transport, and thus to help reduce CO2 emissions.

Carbon Disclosure Project

Since 2011, the Swiss Life Group has taken part in the CDP (formerly Carbon Disclosure Project) survey. The CDP is an independent charitable organisation which holds the world’s most comprehensive collection of corporate information on climate change. In its first submission, Swiss Life scored 70 out of 100 index points for transparency (climate disclosure score). In 2018, Swiss Life was rated B–, a slight improvement over the previous year (2017: C).