We create sustainable value
To start thinking about tomorrow today
For Baloise, sustainable development means much more than simply securing our own business activities as an insurer, bank and asset manager – we want to offer our employees secure workplaces and to not only accept social change but also actively contribute to it. After all, we want to be part of a liveable future for all.
Sustainability as a value creation cycle
For Baloise, sustainable business is about creating value for our stakeholder groups and, as a result, for our own business, too. Decisions are made on the basis of the impact that they have on society, the environment, employees, customers, partners and investors.
One example: our responsible investments
Topics like climate protection or treating our employees well are important to our customers. This is why we invest premium payments, for example, in companies that live up to their social and ecological responsibilities. On the one hand, this has a positive impact on our financial performance thanks to an improved risk/return profile, while on the other hand, it allows us to use our investments to support sustainable companies and make a positive contribution to our environment and society. This is something that benefits all of us.
Sustainable to the very last detail
Sustainability should be embodied throughout the whole company, but it can be difficult to keep track of this. We have therefore developed the Baloise Value Creation Model: it illustrates the cycle of how Baloise creates sustainable added value through various resources – employees, customers, society, the environment, partners and investors.
Resources such as employees, investors and the environment are at the start of the cycle. In line with our Simply Safe strategy, these are used in the three divisions of insurance, banking services and asset management so as to make an impact – the investments of our investors thus become innovations that benefit our customers. The divisions of Corporate Governance, IT Security, Risk Management and Compliance form the foundation for this process.
We are creating sustainable value for our stakeholder groups
Employees: Increasing Happiness
We are committed to providing our employees with an inspiring and collaborative work environment that they experience as engaging and which fosters their productivity and continuous development.
Customers: Higher Customer Satisfaction
We are committed to making the lives of our customers safer and more simple. This will allow us to increase customer satisfaction and support our customers in their private and professional development.
Society: Valued member of society
We are committed to social responsibility as a good corporate citizen. In particular, we aim to increase the amount of employees participating in voluntary work.
Environment: Climate Protection
We are committed to further reducing our CO2 emissions and will join the RE100 initiative (100% renewable energies) in 2021. In addition, we will extend and deepen our responsible investment approach.
Partners: Responsible and successful cooperation
We are committed to being the preferred partner for brokers, agents, suppliers, and outsourcing and innovation partners who share our values and with whom we can turn synergies into mutual, measurable success.
Investors: Attractive, reliable and responsible investment
We are committed to Baloise remaining an attractive, reliable, and responsible investment. As such, we aim to increase our operating cash generation and deploy cash transparently and in a well-balanced and value-creating way.
Taking responsibility together
The sustainability network established in 2019, consisting of the Baloise divisions which influence the issue within Baloise and which are influenced by it, has the necessary specialist expertise for developing the content of the sustainability approach and updating this regularly. The Group Strategy Board (GSB), which comprises the Corporate Executive Committee (CEC) and the CEOs of the national subsidiaries, decides on the implementation and application of the content. The Board of Directors is responsible for developing the sustainability approach, embedding it in the overall strategy and overseeing it.
Measuring and assessing sustainability
Specialist agencies assess Baloise on its performance in relation to environmental, social and sustainability criteria, as well as its ethically correct governance by means of sustainability ratings or ESG ratings (ESG = Environment, Social, Governance).
The aim of sustainability ratings is to aid the decision-making processes of investors and creditors that base their activities on certain social and/or environmental sustainability criteria as well as economic criteria.
Baloise concentrates on the ratings it regards as most important: the MSCI, Sustainalytics, the Dow Jones Sustainability Indices (SAM Score) and the ISS ESG.
Baloise is also part of the FTSE4Good Index Series, a member of Swiss Sustainable Finance (SSF) and a signatory of the Principles for Responsible Investment (PRI) as well as the Principles for Sustainable Insurance (PSI).
Our Value Creation Model
Simply Safe
Our Simply Safe strategic focus lies at the heart of our value creation. With Simply Safe, we strive for future-oriented growth and aim to become the first choice for everyone who simply wants to feel safe.
Products
The drivers of our value creation are our products and services in the areas of asset management, banking and insurance as well as within our ecosystems which expand our product range.
Four columns
The divisions of IT Security, Corporate Governance, Risk Management and Compliance are the foundation for Baloise’s future-focused operability as well as the value creation for all our stakeholders.
Resources
The individual stakeholder groups are the resources of our value creation. All our activities are geared toward them in order to achieve an economic, ecological and social impact.
Effects
The resources we use have an impact on individual stakeholders as well as Baloise itself in the form of economic, ecological and social improvements which flow back into the value creation as resources.


