{"id":5337,"date":"2023-09-13T14:32:51","date_gmt":"2023-09-13T14:32:51","guid":{"rendered":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/?page_id=5337"},"modified":"2023-10-09T10:55:15","modified_gmt":"2023-10-09T10:55:15","slug":"bon-govern-3","status":"publish","type":"page","link":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/ca\/bon-govern-3\/","title":{"rendered":"BON GOVERN"},"content":{"rendered":"\n<p id=\"sistema-de-govern-corporatiu\"><\/p>\n\n\n\n<h2>Sistema de Govern Corporatiu<\/h2>\n\n\n\n<h3>\u00d2rgans socials per a la gesti\u00f3 responsable<\/h3>\n\n\n\n<p>En Mutual M\u00e8dica disposem d&#8217;un sistema de govern robust que garanteix una gesti\u00f3 sana, prudent i \u00e8tica de l&#8217;entitat, adequada a la complexitat de les operacions. Tal com estableix la normativa d&#8217;ordenaci\u00f3, supervisi\u00f3 i solv\u00e8ncia d&#8217;entitats asseguradores, el nostre sistema de govern est\u00e0 constitu\u00eft per una estructura organitzativa transparent i apropiada, amb una clara distribuci\u00f3 i una adequada separaci\u00f3 de funcions i mecanismes efica\u00e7os per a garantir la transmissi\u00f3 de la informaci\u00f3.<\/p>\n\n\n\n<figure class=\"wp-block-video w80\"><video autoplay muted src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/09\/animv1-3.mp4\" playsinline><\/video><\/figure>\n\n\n\n<p>Els principis i mecanismes de control i compliment del sistema de Govern es recullen en el <strong>Marc de Sistema de Govern<\/strong>, aprovat pel Consell d&#8217;Administraci\u00f3 de Mutual M\u00e8dica.<\/p>\n\n\n\n<p>Els Estatuts socials recullen els \u00f2rgans socials de govern de Mutual M\u00e8dica: l&#8217;Assemblea General i el Consell d&#8217;Administraci\u00f3. A m\u00e9s, el Consell d&#8217;Administraci\u00f3 podr\u00e0 preveure l&#8217;exist\u00e8ncia de comissions delegades del Consell. En aquesta l\u00ednia tamb\u00e9 es preveu disposar de la Comissi\u00f3 d&#8217;Auditoria i Control com a \u00f2rgan col\u00b7legiat. <\/p>\n\n\n\n<p>A continuaci\u00f3, es presenten les funcions de cada \u00f2rgan:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4><strong><strong>Assemblea General de Mutualistes<\/strong><\/strong><\/h4>\n\n\n\n<p>Convocada i constitu\u00efda en la forma determinada en els articles 18 a 21 dels Estatuts socials. Compon la reuni\u00f3 dels mutualistes per a deliberar i prendre acords, com a \u00f2rgan suprem d&#8217;expressi\u00f3 de la voluntat social en les mat\u00e8ries que li atribueixen la legislaci\u00f3 regulada de les mutualitats de previsi\u00f3 social, i els Estatuts socials.<br><br>Tots els mutualistes tenen dret a participar en l&#8217;Assemblea General en la forma establerta en els Estatuts socials.<\/p>\n\n\n\n<h4><strong><strong>Consell d\u2019Administraci\u00f3<\/strong><\/strong><\/h4>\n\n\n\n<p>\u00c9s l&#8217;\u00f2rgan de representaci\u00f3, govern i gesti\u00f3 de Mutual M\u00e8dica. Corresponen al Consell d&#8217;Administraci\u00f3 quantes facultats de representaci\u00f3, disposici\u00f3 i gesti\u00f3 no estiguin reservades per la legislaci\u00f3 reguladora de les mutualitats de previsi\u00f3 social a l&#8217;Assemblea General o a la Comissi\u00f3 d&#8217;Auditoria i Control.<\/p>\n\n\n\n<p>Entre les seves funcions, el Consell ha de:<\/p>\n\n\n\n<ul><li>Aprovar les estrat\u00e8gies generals de Mutual M\u00e8dica recollides en el Pla estrat\u00e8gic i en els objectius de gesti\u00f3 anuals.<\/li><li>Aprovar una estructura general de riscos assumibles, recollida en el <strong>Marc d&#8217;Apetit al Risc<\/strong>, aix\u00ed com el conjunt de mesures i pol\u00edtiques generals per a implantar i desenvolupar sistemes interns de control, seguiment i avaluaci\u00f3 continuada dels riscos.<\/li><li>Formular els comptes anuals i la seva presentaci\u00f3 a l&#8217;<strong>Assemblea General de Mutualistes<\/strong>, aix\u00ed com la formulaci\u00f3 de qualsevol classe d&#8217;informe exigit per la llei a l&#8217;\u00f2rgan d&#8217;administraci\u00f3 sempre que l&#8217;operaci\u00f3 a qu\u00e8 es refereix l&#8217;informe no pugui ser delegada.<\/li><li>Elaborar i presentar davant l&#8217;Assemblea General de Mutualistes un Informe Anual sobre el desenvolupament de les seves funcions i explicaci\u00f3 de les principals activitats dutes a terme durant l&#8217;exercici.<\/li><li>Aprovar les inversions o operacions de tota mena que, per la seva elevada quantia o especials caracter\u00edstiques, tinguin car\u00e0cter estrat\u00e8gic o especial risc fiscal, o d&#8217;una altra \u00edndole, tret que la seva aprovaci\u00f3 correspongui a l&#8217;Assemblea General de Mutualistes.<\/li><li>Supervisar el funcionament de les comissions que hagu\u00e9s constitu\u00eft i de l&#8217;actuaci\u00f3 dels \u00f2rgans delegats i dels directius que hagu\u00e9s designat. Aix\u00ed mateix, supervisa el desenvolupament general de pol\u00edtiques, estrat\u00e8gies, i del propi sistema de control intern, mitjan\u00e7ant l&#8217;establiment de mecanismes adequats d&#8217;intercanvi d&#8217;informaci\u00f3 a Mutual M\u00e8dica.<\/li><\/ul>\n\n\n\n<p>Els membres del Consell d&#8217;Administraci\u00f3 han de reunir els requisits d&#8217;honorabilitat i aptitud que, per als qui exerceixin la direcci\u00f3 efectiva o exerceixin funcions que integren el sistema de govern de Mutual M\u00e8dica, exigeixen l&#8217;article 38 de la LOSSEAR i, en desenvolupament d&#8217;aquest precepte, l&#8217;article 18 del Reial Decret 1060\/2015, de 20 de novembre, d&#8217;ordenaci\u00f3, supervisi\u00f3 i solv\u00e8ncia de les entitats asseguradores i reasseguradores (ROSSEAR).<\/p>\n\n\n\n<p>En relaci\u00f3 amb la composici\u00f3 del Consell d&#8217;Administraci\u00f3, el Consell ha d&#8217;estar constitu\u00eft per un m\u00e0xim de vint-i-un i un m\u00ednim de quinze membres, dels quals un ha de ser President, un altre Vicepresident, un Tresorer, un Secretari i la resta vocals, podent-se nomenar tamb\u00e9 un Vice-Secretari i un Comptador. Els membres del Consell d&#8217;Administraci\u00f3 han de ser persones f\u00edsiques amb plena capacitat d&#8217;obrar i, almenys, les dues terceres parts d&#8217;ells han d&#8217;ostentar la condici\u00f3 de mutualista amb una antiguitat, com a m\u00ednim, d&#8217;un any en la data de la convocat\u00f2ria electoral corresponent.<\/p>\n\n\n\n<p>A continuaci\u00f3, s&#8217;indiquen els membres del Consell d&#8217;Administraci\u00f3 a 31 de desembre de 2022:<\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Luis_A_Morales_edit.jpg\" alt=\"\" class=\"wp-image-4470\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Luis_A_Morales_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Luis_A_Morales_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>President<\/strong><br>Dr. Lluis A. Morales Fochs<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit.jpg\" alt=\"\" class=\"wp-image-4471\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Vicepresident<\/strong><\/strong><br>Dr. Jos\u00e9 Ignacio Catal\u00e1n Ramos<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit.jpg\" alt=\"\" class=\"wp-image-4472\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Secret\u00e0ria<\/strong><br>Dra. M. Asunci\u00f3n Torrents Fern\u00e1ndez<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit.jpg\" alt=\"\" class=\"wp-image-4473\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Vicesecretari<\/strong><\/strong><br>Dr. Alejandro Andreu Lope<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"662\" height=\"662\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Tesorero_Dr_Lluis_Castells-q.jpg\" alt=\"\" class=\"wp-image-4475\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Tesorero_Dr_Lluis_Castells-q.jpg 662w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Tesorero_Dr_Lluis_Castells-q-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 662px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong>Tresorer<\/strong><\/strong><\/strong><br>Dr. Llu\u00eds Castells Fust\u00e9<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-4.jpg\" alt=\"\" class=\"wp-image-4538\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-4.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-4-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Comptador<\/strong><br>Dr. Javier Mareque Bueno<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit.jpg\" alt=\"\" class=\"wp-image-4478\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Vocal<\/strong><\/strong><br>Dr. Santiago Aguad\u00e9 Bruix<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Rosa_M_Boye_edit.jpg\" alt=\"\" class=\"wp-image-4479\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Rosa_M_Boye_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Rosa_M_Boye_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong>Vocal<\/strong><\/strong><\/strong><br>Dra. Rosa M. Boy\u00e9 de la Presa<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Teresa_Maristany_edit.jpg\" alt=\"\" class=\"wp-image-4480\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Teresa_Maristany_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Teresa_Maristany_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Vocal<\/strong><br>Dra. Teresa Maristany Daunert<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Fernando_Rivas_edit.jpg\" alt=\"\" class=\"wp-image-4481\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Fernando_Rivas_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Fernando_Rivas_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Vocal<\/strong><\/strong><br>Dr. Fernando Rivas Navarro<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"668\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3.jpg\" alt=\"\" class=\"wp-image-4482\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-480x484.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Vocal<\/strong><br>Dra. Mar\u00eda Magdalena Salcedo Plaza<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit.jpg\" alt=\"\" class=\"wp-image-4484\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong>Vocal<\/strong><\/strong><\/strong><br>Dr. Miquel Vilardell Tarr\u00e9s<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miguel_Zabalza_edit_2.jpg\" alt=\"\" class=\"wp-image-4485\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miguel_Zabalza_edit_2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miguel_Zabalza_edit_2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Vocal<\/strong><\/strong><br>Dr. Miguel Zabalza Cerdeiri\u00f1a<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p><strong>Vocals en representaci\u00f3 dels Col\u00b7legis Oficials de Metges<\/strong><\/p>\n\n\n\n<p><em><em>Col\u00b7legi Oficial de Metges de Barcelona<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Esteve_edit_5.jpg\" alt=\"\" class=\"wp-image-4488\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Esteve_edit_5.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Esteve_edit_5-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Dr. Llu\u00eds Esteve Balagu\u00e9<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"668\" height=\"668\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Josep_Maria_Benet_edit.jpg\" alt=\"\" class=\"wp-image-4489\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Josep_Maria_Benet_edit.jpg 668w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Josep_Maria_Benet_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 668px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Dr. Josep Maria Benet Mart\u00ed<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p><em><em>Col\u00b7legi Oficial de Metges de Girona<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/vilaplana-comgi-_VF_0852_edit.jpg.jpg\" alt=\"\" class=\"wp-image-4490\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/vilaplana-comgi-_VF_0852_edit.jpg.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/vilaplana-comgi-_VF_0852_edit.jpg-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Dr. Josep Vilaplana Birba<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p><em><em>Col\u00b7legi Oficial de Metges de les Illes Balears<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Carles_Recasens_edit.jpg\" alt=\"\" class=\"wp-image-4492\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Carles_Recasens_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Carles_Recasens_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Dr. Carles Recasens Laguarda<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p><em><em>Col\u00b7legi Oficial de Metges de Lleida<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"633\" height=\"633\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ramo_Mur_edit_v2.jpg\" alt=\"\" class=\"wp-image-4493\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ramo_Mur_edit_v2.jpg 633w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ramo_Mur_edit_v2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 633px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Dr. Ram\u00f3n Mur Garc\u00e9s<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p><em><em>Col\u00b7legi Oficial de Metges de Tarragona<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"668\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-1.jpg\" alt=\"\" class=\"wp-image-4494\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-1-480x484.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Dr. Sergi Boada Pie<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p><em><em>Col\u00b7legi Oficial de Metges de Cantabria<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Francisco_Javier_Hernandez_de_Sande_edit.jpg\" alt=\"\" class=\"wp-image-4495\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Francisco_Javier_Hernandez_de_Sande_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Francisco_Javier_Hernandez_de_Sande_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Dr. Francisco Javier Hern\u00e1ndez de Sande de Prada<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p><strong>Vocal externa<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit.jpg\" alt=\"\" class=\"wp-image-4496\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\">Sra. Ana Bar\u00f3 Casamaj\u00f3<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p>El Consell d&#8217;Administraci\u00f3 desenvolupa la seva funci\u00f3 mitjan\u00e7ant comissions delegades, que es constitueixen com a \u00f2rgans de suport i an\u00e0lisi d&#8217;assumptes especialment rellevants per a l&#8217;entitat, per aix\u00f2, les comissions delegades estan constitu\u00efdes \u00edntegrament per membres del Consell d\u2019Administraci\u00f3. A continuaci\u00f3, es llisten les comissions que donen suport al Consell d&#8217;Administraci\u00f3:<\/p>\n\n\n\n<h5><strong><strong>Comissi\u00f3 Permanent<\/strong><\/strong><\/h5>\n\n\n\n<p>\u00d2rgan que resol els assumptes en tr\u00e0mit i prepara els Consells d&#8217;Administraci\u00f3. A m\u00e9s, participa en el proc\u00e9s de nomenament de professionals independents quan aquests hagin de col\u00b7laborar amb el Consell o amb alguna de les seves comissions. A continuaci\u00f3, s&#8217;indiquen els membres a 31 de desembre de 2022:<\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Luis_A_Morales_edit-1.jpg\" alt=\"\" class=\"wp-image-4497\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Luis_A_Morales_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Luis_A_Morales_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>President<\/strong><br>Dr. Llu\u00eds A. Morales Fochs<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-1.jpg\" alt=\"\" class=\"wp-image-4498\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Vicepresident<\/strong><\/strong><br>Dr. Jos\u00e9 Ignacio Catal\u00e1n Ramos<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-1.jpg\" alt=\"\" class=\"wp-image-4499\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Secret\u00e0ria<\/strong><br>Dra. M. Asunci\u00f3n Torrents Fern\u00e1ndez<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-1.jpg\" alt=\"\" class=\"wp-image-4500\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Vicesecretari<\/strong><\/strong><br>Dr. Alejandro Andreu Lope<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit.jpg\" alt=\"\" class=\"wp-image-4501\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong>Tresorer<\/strong><\/strong><\/strong><br>Dr. Llu\u00eds Castells Fust\u00e9<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-3.jpg\" alt=\"\" class=\"wp-image-4536\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-3.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-3-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Comptador<\/strong><br>Dr. Javier Mareque Bueno<\/p>\n<\/div>\n<\/div>\n\n\n\n<h5><strong><strong>Comissi\u00f3 d\u2019Inversions<\/strong><\/strong><\/h5>\n\n\n\n<p>\u00d2rgan format per un m\u00ednim de dos consellers (el Tresorer i el Comptador) i per un m\u00e0xim de quatre i per la Direcci\u00f3 de l&#8217;entitat. Les seves funcions s\u00f3n claus per a garantir que el sistema de Govern assumeix m\u00e0xima responsabilitat. La comissi\u00f3 es responsabilitza de la comunicaci\u00f3 i coordinaci\u00f3 entre els auditors, el Consell d&#8217;Administraci\u00f3 i l&#8217;equip de gesti\u00f3. Avalua les auditories, supervisa l&#8217;adequaci\u00f3 i desenvolupament dels sistemes interns de control i el compliment de les regles de govern. Aix\u00ed mateix, adopta les decisions d&#8217;inversi\u00f3 i desinversi\u00f3, dins del marc establert en la pol\u00edtica de gesti\u00f3 d&#8217;inversions.<br><br>La Comissi\u00f3 est\u00e0 formada per consellers electes. A continuaci\u00f3, s&#8217;indiquen els membres a 31 de desembre de 2022:<\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit-1.jpg\" alt=\"\" class=\"wp-image-4503\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>President<\/strong><br>Dr. Llu\u00eds Castells Fust\u00e9<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-2.jpg\" alt=\"\" class=\"wp-image-4535\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Secretari<\/strong><br>Dr. Javier Mareque Bueno<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"662\" height=\"662\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr.-Marti-Vidal-2_edit-1.jpg\" alt=\"\" class=\"wp-image-4505\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr.-Marti-Vidal-2_edit-1.jpg 662w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr.-Marti-Vidal-2_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 662px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Convidat<\/strong><br>Dr. Mart\u00ed Vidal Ma\u00f1as<\/p>\n<\/div>\n<\/div>\n\n\n\n<h5><strong><strong>Comissi\u00f3 d&#8217;Assegurances i Prestacions<\/strong><\/strong><\/h5>\n\n\n\n<p>\u00d2rgan que vetlla per l&#8217;adjudicaci\u00f3 de prestacions de les assegurances i assessoren en la gesti\u00f3 dels tr\u00e0mits de les assegurances o mutualistes. Els membres consellers es consideren electes. A continuaci\u00f3, s&#8217;indiquen els membres a 31 de desembre de 2022:<\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-2.jpg\" alt=\"\" class=\"wp-image-4506\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Presidenta<\/strong><br>Dra. M. Asunci\u00f3n Torrents Fern\u00e1ndez<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit-1.jpg\" alt=\"\" class=\"wp-image-4507\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Conseller<\/strong><\/strong><br>Dr. Santiago Aguad\u00e9 Bruix<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-2.jpg\" alt=\"\" class=\"wp-image-4508\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong>Conseller<\/strong><\/strong><\/strong><br>Dr. Alejandro Andreu Lope<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Rosa_M_Boye_edit-1.jpg\" alt=\"\" class=\"wp-image-4509\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Rosa_M_Boye_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Rosa_M_Boye_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Consellera<\/strong><br>Dra. Rosa M. Boy\u00e9 de la Presa<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-2.jpg\" alt=\"\" class=\"wp-image-4510\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong><strong>Conseller<\/strong><\/strong><\/strong><\/strong><br>Dr. Jos\u00e9 Ignacio Catal\u00e1n Ramos<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Teresa_Maristany_edit-1.jpg\" alt=\"\" class=\"wp-image-4511\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Teresa_Maristany_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_Teresa_Maristany_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Consellera<\/strong><br>Dra. Teresa Maristany Daunert<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"668\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-2.jpg\" alt=\"\" class=\"wp-image-4512\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-2-480x484.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Consellera<\/strong><br>Dra. Mar\u00eda Magdalena Salcedo Plaza<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit-1.jpg\" alt=\"\" class=\"wp-image-4513\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong>Conseller<\/strong><\/strong><\/strong><br>Dr. Miquel Vilardell Tarr\u00e9<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<h5><strong><strong>Comissi\u00f3 d&#8217;Estrat\u00e8gia, Innovaci\u00f3 i Responsabilitat Social Corporativa<\/strong><\/strong><\/h5>\n\n\n\n<p>\u00d2rgan de car\u00e0cter informatiu i consultiu, sense funcions executives, amb facultats de suport i assessorament al Consell d&#8217;Administraci\u00f3. Entre les seves funcions es troben proposar i valorar les l\u00ednies d&#8217;actuaci\u00f3 claus en innovaci\u00f3, sostenibilitat, cultura i valors. A m\u00e9s, duu a terme el seguiment, gesti\u00f3 i implantaci\u00f3 dels plans estrat\u00e8gics, garantint la seva adequada implantaci\u00f3 i desenvolupament, i assessorar sobre el disseny de la cultura i dels valors corporatius, incloent-hi estrat\u00e8gia de pr\u00e0ctiques de negoci responsable i de sostenibilitat.<br><br>Aix\u00ed mateix, la Comissi\u00f3 s&#8217;encarrega de revisar i aprovar la informaci\u00f3 presentada en aquest informe de sostenibilitat. A continuaci\u00f3, s&#8217;indiquen els membres a 31 de desembre de 2022:<\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-3.jpg\" alt=\"\" class=\"wp-image-4514\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-3.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dra_M_Asuncion_Torrents_edit-3-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Presidenta<\/strong><br>Dra. M. Asunci\u00f3n Torrents Fern\u00e1ndez<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-3.jpg\" alt=\"\" class=\"wp-image-4515\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-3.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Alejandro_Andreu_edit-3-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Conseller<\/strong><\/strong><br>Dr. Alejandro Andreu Lope<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit-1.jpg\" alt=\"\" class=\"wp-image-4516\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Consellera<\/strong><br>Sra. Ana Bar\u00f3 Casamaj\u00f3<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit-2.jpg\" alt=\"\" class=\"wp-image-4517\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Castells_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Conseller<\/strong><br>Dr. Llu\u00eds Castells Fust\u00e9<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-3.jpg\" alt=\"\" class=\"wp-image-4519\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-3.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ignacio_Catalan_edit-3-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Conseller<\/strong><\/strong><br>Dr. Jos\u00e9 Ignacio Catal\u00e1n Ramos<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-1.jpg\" alt=\"\" class=\"wp-image-4534\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Javier_Mareque_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Conseller<\/strong><br>Dr. Javier Mareque Bueno<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"633\" height=\"633\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ramo_Mur_edit_v2-1.jpg\" alt=\"\" class=\"wp-image-4520\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ramo_Mur_edit_v2-1.jpg 633w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Ramo_Mur_edit_v2-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 633px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Conseller<\/strong><br>Dr. Ram\u00f3n Mur Garc\u00e9s<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Fernando_Rivas_edit-1.jpg\" alt=\"\" class=\"wp-image-4521\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Fernando_Rivas_edit-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Fernando_Rivas_edit-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Conseller<\/strong><br>Dr. Fernando Rivas Navarro<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"668\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-3.jpg\" alt=\"\" class=\"wp-image-4522\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-3.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Avatar_mutual_medica_pro-3-3-480x484.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Conseller<\/strong><\/strong><br>Dr. Sergi Boada Pie<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Esteve_edit_5-1.jpg\" alt=\"\" class=\"wp-image-4523\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Esteve_edit_5-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Lluis_Esteve_edit_5-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Conseller<\/strong><br><\/strong>Dr. Llu\u00eds Esteve Balagu\u00e9 <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<h5><strong><strong>Comissi\u00f3 d\u2019Auditoria i Control<\/strong><\/strong><\/h5>\n\n\n\n<p>\u00d2rgan que compleix la funci\u00f3 imposada per la normativa mercantil amb car\u00e0cter obligatori a totes les entitats cotitzades i a les mutualitats asseguradores la normativa espec\u00edfica de les quals no prevegi l&#8217;exist\u00e8ncia d&#8217;un \u00f2rgan similar. Concretament, la Comissi\u00f3 d&#8217;Auditoria i Control t\u00e9 les seg\u00fcents responsabilitats b\u00e0siques:<\/p>\n\n\n\n<ul><li>Informar a l&#8217;Assemblea General de Mutualistes sobre les q\u00fcestions que es plantegin, que siguin compet\u00e8ncia de la comissi\u00f3 i, en particular, sobre el resultat de l&#8217;auditoria explicant la seva contribuci\u00f3 i acompliment en la integritat de la informaci\u00f3 financera.<\/li><li>Elevar al Consell d&#8217;Administraci\u00f3 la proposta de selecci\u00f3 de l&#8217;auditor de comptes, les condicions de contractaci\u00f3, l&#8217;abast del mandat professional i, en el seu cas, la renovaci\u00f3 o no renovaci\u00f3.<\/li><li>Rebre els informes de l&#8217;auditor de comptes, de la Funci\u00f3 d&#8217;Auditoria Interna i de la Funci\u00f3 de Verificaci\u00f3 de Compliment, a l&#8217;efecte d&#8217;analitzar les propostes o requeriments que continguin, i decidir les actuacions que procedeixin si escau.<\/li><li>Servir de canal de comunicaci\u00f3 entre el Consell d&#8217;Administraci\u00f3 i els auditors.<\/li><\/ul>\n\n\n\n<p>En el seu conjunt, els membres de la Comissi\u00f3 d&#8217;Auditoria i Control han de tenir coneixements t\u00e8cnics pertinents del sector assegurador, i almenys un d\u2019ells, \u00e9s designat tenint en compte els seus coneixements i experi\u00e8ncia en mat\u00e8ria de comptabilitat, auditoria o en ambdues. A continuaci\u00f3, s&#8217;indiquen els membres a 31 de desembre de 2022:<\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit-2.jpg\" alt=\"\" class=\"wp-image-4524\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Ana_Baro_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Presidenta<\/strong><br>Sra. Ana Bar\u00f3 Casamaj\u00f3<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit-2.jpg\" alt=\"\" class=\"wp-image-4525\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Santiago_Aguade_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Secretari<\/strong><br>Dr. Santiago Aguad\u00e9 Bruix<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit-2.jpg\" alt=\"\" class=\"wp-image-4526\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit-2.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miquel_Vilardell_edit-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Conseller<\/strong><br>Dr. Miquel Vilardell Tarr\u00e9s<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miguel_Zabalza_edit_2-1.jpg\" alt=\"\" class=\"wp-image-4527\" title=\"\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miguel_Zabalza_edit_2-1.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Dr_Miguel_Zabalza_edit_2-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong>Conseller<\/strong><br>Dr. Miguel Zabalza Cerdeiri\u00f1a<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n\n\n\n<div class=\"wp-block-column\"><\/div>\n<\/div>\n\n\n\n<p>Per a garantir la m\u00e0xima professionalitzaci\u00f3 i experi\u00e8ncia, tant el Consell com les seves Comissions poden comptar amb l&#8217;assessorament i la pres\u00e8ncia de professionals independents. Anualment, cada comissi\u00f3 elabora un informe resumint les activitats i la seva avaluaci\u00f3 durant l&#8217;exercici, amb la finalitat de reportar aquesta activitat al Consell d&#8217;Administraci\u00f3.<\/p>\n\n\n\n<h4><strong>Direcci\u00f3 General<\/strong><\/h4>\n\n\n\n<p>\u00c9s l&#8217;\u00f2rgan directiu de gesti\u00f3 dependent del Consell d&#8217;Administraci\u00f3. El seu titular, el director general, designat pel Consell d&#8217;Administraci\u00f3, presta amb car\u00e0cter permanent els seus serveis professionals a Mutual M\u00e8dica. S&#8217;encarrega de la direcci\u00f3 administrativa i el control financer d&#8217;aquesta, assumint la responsabilitat de la seva adequada gesti\u00f3 econ\u00f2mica i el compliment de la normativa espec\u00edfica del sector d&#8217;assegurances privades, singularment referent a les garanties financeres de marge de solv\u00e8ncia, fons de garantia i provisions t\u00e8cniques que hagi de constituir Mutual M\u00e8dica.<\/p>\n\n\n\n<h4><strong>Comit\u00e8 de Direcci\u00f3<\/strong><\/h4>\n\n\n\n<p>\u00d2rgan format pels directors de les diferents \u00e0rees que conformen l&#8217;organigrama intern de la mutualitat. El Comit\u00e8 de Direcci\u00f3 t\u00e9 la funci\u00f3 d&#8217;assessorar la Direcci\u00f3 General i el Consell d&#8217;Administraci\u00f3 sobre les l\u00ednies estrat\u00e8giques de l&#8217;entitat, aix\u00ed com reportar els avan\u00e7os en els projectes definits pel Consell i la Direcci\u00f3. A continuaci\u00f3, s&#8217;indiquen els membres a 31 de desembre de 2022:<\/p>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"633\" height=\"633\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr.-Antonio-Lopez-copia.jpg\" alt=\"\" class=\"wp-image-4528\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr.-Antonio-Lopez-copia.jpg 633w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr.-Antonio-Lopez-copia-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 633px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong>Director General<\/strong><\/strong><br>Sr. Antonio L\u00f3pez L\u00f3pez<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"633\" height=\"633\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sra_Sandra_Cantos-2.jpg\" alt=\"\" class=\"wp-image-4529\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sra_Sandra_Cantos-2.jpg 633w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sra_Sandra_Cantos-2-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 633px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong><strong><strong>Subdirectora General<\/strong><\/strong><\/strong><br><\/strong><\/strong>Sra. Sandra Cantos L\u00f3pez<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Crisitna.jpg\" alt=\"\" class=\"wp-image-4530\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Crisitna.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Crisitna-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong><strong><strong><strong>Directora de Persones i Talent<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><br>Sra. Cristina G\u00f3mez Esteban<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns w60\">\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Oscar_Molina_1-1024x1024-1.jpg\" alt=\"\" class=\"wp-image-4531\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Oscar_Molina_1-1024x1024-1.jpg 1024w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Oscar_Molina_1-1024x1024-1-980x980.jpg 980w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Oscar_Molina_1-1024x1024-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Director de Tecnologia i Operacions<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><br>Sr. \u00d3scar Molina Garrido<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sra_Anna_Morales.jpg\" alt=\"\" class=\"wp-image-4532\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sra_Anna_Morales.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sra_Anna_Morales-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>Directora de Comunicaci\u00f3, Marca, Relacions Institucionals i Sostenibilitat<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><br><\/strong><\/strong>Sra. Anna Morales Ball\u00fas<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<div class=\"wp-block-image fotoRounded is-style-rounded\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" width=\"663\" height=\"663\" src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Cesa_Vizuete.jpg\" alt=\"\" class=\"wp-image-4533\" srcset=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Cesa_Vizuete.jpg 663w, https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/07\/Sr_Cesa_Vizuete-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 663px, 100vw\" \/><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center\"><strong><strong><strong><strong><strong><strong><strong><strong>Director Comercial i Marketing Operatiu<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><br><\/strong><\/strong>Sr. C\u00e9sar Vizuete Bermejo<\/p>\n<\/div>\n<\/div>\n\n\n\n<h4><strong>Comit\u00e8s de la Direcci\u00f3<\/strong><\/h4>\n\n\n\n<p>Addicionalment, l&#8217;entitat compta amb diversos comit\u00e8s operatius destinats a diferents \u00e0rees de treball, cadascun dels quals es regeix per un reglament intern o manual de funcionament aprovat per la Direcci\u00f3, on s&#8217;estableixen, entre altres aspectes, les seves responsabilitats, components, freq\u00fc\u00e8ncia de les reunions, obligacions de tra\u00e7abilitat i comunicaci\u00f3 dels seus acords, avaluaci\u00f3 del seu acompliment, etc.<\/p>\n\n\n\n<ul><li>Comit\u00e8 ALM<\/li><li>Comit\u00e8 de Compliment<\/li><li>Comit\u00e8 de Productes<\/li><li>Comit\u00e8 de Recursos Humans<\/li><li>Comit\u00e8 de Riscos<\/li><li>Comit\u00e8 de Seguiment de Projectes<\/li><li>Comit\u00e8 de Sostenibilitat<\/li><li>Comit\u00e8 de Tecnologia<\/li><li>Grup de Treball de Protecci\u00f3 de Dades i Seguretat de la Informaci\u00f3<\/li><\/ul>\n\n\n\n<h3>L\u00ednies de defensa de suport en l&#8217;estructura de govern<\/h3>\n\n\n\n<p>Es refor\u00e7a l&#8217;estructura dels \u00f2rgans socials i de govern, mitjan\u00e7ant el nomenament de quatre funcions claus en compliment de la normativa de Solv\u00e8ncia II. Els titulars de cadascuna de les funcions citades a continuaci\u00f3 s\u00f3n nomenats pel Consell d&#8217;Administraci\u00f3 i reportats a la Direcci\u00f3 General d&#8217;Assegurances (organisme supervisor):<\/p>\n\n\n\n<h5><strong>Funci\u00f3 Actuarial<\/strong><\/h5>\n\n\n\n<p>Accions realitzades encaminades a aportar una seguretat o confiabilitat addicional referent a les tasques t\u00e8cniques que requereixin de l&#8217;\u00fas o coneixement de t\u00e8cniques actuarials.<\/p>\n\n\n\n<h5><strong>Funci\u00f3 de Gesti\u00f3 de Riscos<\/strong><\/h5>\n\n\n\n<p>Accions per a garantir la implementaci\u00f3 i el correcte funcionament d&#8217;un sistema de gesti\u00f3 de riscos adequat i proporcionat a l&#8217;entitat, que permeti la consecuci\u00f3 de les estrat\u00e8gies establertes dins dels nivells de solv\u00e8ncia aprovats pel Consell d&#8217;Administraci\u00f3.<\/p>\n\n\n\n<h5><strong>Funci\u00f3 de Verificaci\u00f3 de Compliment<\/strong><\/h5>\n\n\n\n<p>Accions per a vetllar pel compliment de les normes externes (legislaci\u00f3 general i normativa del sector o activitat) i internes (Estatuts socials, Pol\u00edtiques internes, Manual de procediments per a la Prevenci\u00f3 del Blanqueig de Capitals i el Finan\u00e7ament del Terrorisme, pla de prevenci\u00f3 de delictes, protecci\u00f3 de dades personals i privacitat, etc.), amb l&#8217;objectiu de refor\u00e7ar el Sistema de Control Intern, i per tant el Sistema de Govern, i evitar la p\u00e8rdua de reputaci\u00f3 que Mutual M\u00e8dica pot sofrir com a resultat d&#8217;incompliment.<\/p>\n\n\n\n<h5><strong>Funci\u00f3 d&#8217;Auditoria Interna<\/strong><\/h5>\n\n\n\n<p>Accions realitzades per a verificar l&#8217;adequaci\u00f3 del sistema de control intern, aix\u00ed com el compliment de les regles de govern de Mutual M\u00e8dica, la fiabilitat, la integritat i exactitud de la informaci\u00f3 financera i de gesti\u00f3, l&#8217;efectivitat dels programes implantats en la mateixa per a evitar fraus, i verificar el compliment de les decisions adoptades pel Consell d&#8217;Administraci\u00f3.<\/p>\n\n\n\n<p id=\"compliment-control-intern-i-gestio-etica\"><\/p>\n\n\n\n<h2>Compliment, control intern i Gesti\u00f3 \u00e8tica<\/h2>\n\n\n\n<p>A Mutual M\u00e8dica, la <em>funci\u00f3 de verificaci\u00f3 de compliment<\/em> vetlla pel compliment de les normes externes (legislaci\u00f3 general i normativa del sector o activitat) i internes (Estatuts socials, Pol\u00edtiques, Manual de procediments per a la Prevenci\u00f3 del Blanqueig de Capitals i el Finan\u00e7ament del Terrorisme, entre d\u2019altres), amb l&#8217;objectiu de refor\u00e7ar el sistema de control intern, i per tant el Sistema de Govern.<\/p>\n\n\n\n<p>Tenim molt clara la responsabilitat que tenim amb els nostres grups d&#8217;inter\u00e8s. Per aix\u00f2, sabem que totes les decisions que prenem com a entitat han de ser un reflex dels nostres valors, actuant sempre amb integritat empresarial, ja que nom\u00e9s aix\u00ed podrem mantenir la seva confian\u00e7a i demostrar que ens preocupem per generar un impacte positiu en tots els \u00e0mbits d&#8217;actuaci\u00f3.<\/p>\n\n\n\n<p>En 2022, a Mutual M\u00e8dica ens hem proposat desenvolupar el nostre <strong>Codi \u00c8tic<\/strong>, amb l&#8217;objectiu de recopilar els principals compromisos amb els grups d&#8217;inter\u00e8s i comptar amb una guia de refer\u00e8ncia dels principis i valors que s&#8217;alineen amb l&#8217;entitat. Aquests compromisos s\u00f3n de car\u00e0cter obligatori per a tots els treballadors, prove\u00efdors i col\u00b7laboradors externs de Mutual M\u00e8dica, per a prevenir conductes o actituds contr\u00e0ries a l&#8217;\u00e8tica de la mutualitat.<\/p>\n\n\n\n<p>Mutual M\u00e8dica disposa d&#8217;un <strong>\u00d2rgan de <em>Compliance<\/em> Penal<\/strong>, que t\u00e9 com a objectiu acompanyar l&#8217;execuci\u00f3 del <strong>Sistema de Gesti\u00f3 de <em>Compliance<\/em> Penal<\/strong>. Aquest sistema de Gesti\u00f3 identifica el pla de prevenci\u00f3 de delictes i la seva probabilitat i impacte d&#8217;ocurr\u00e8ncia amb l&#8217;objectiu d&#8217;evitar que Mutual M\u00e8dica com a persona jur\u00eddica pugui inc\u00f3rrer en responsabilitat penal.<\/p>\n\n\n\n<p>Certes conductes dels membres del sistema de govern o dels col\u00b7laboradors podrien posar en risc l&#8217;activitat de l&#8217;entitat, aix\u00ed com la reputaci\u00f3 de Mutual M\u00e8dica. Entre aquestes conductes delictives, es troben algunes que, pel context de la mutualitat i l&#8217;activitat que realitzem, s\u00f3n m\u00e9s susceptibles de produir-se, com el descobriment i revelaci\u00f3 de secrets, l&#8217;estafa, l&#8217;espionatge empresarial, la corrupci\u00f3, el blanqueig de capitals i finan\u00e7ament del terrorisme, el tr\u00e0fic d&#8217;influ\u00e8ncies o els danys inform\u00e0tics.<\/p>\n\n\n\n<p>Les funcions del Sistema de Gesti\u00f3 estan dirigides a totes les \u00e0rees de l&#8217;entitat, aix\u00ed com a les seves relacions amb tercers: grups d&#8217;inter\u00e8s, socis de negoci, prove\u00efdors, entre d\u2019altres. Per aquesta ra\u00f3, s&#8217;ha distribu\u00eft la <strong>pol\u00edtica de <em>compliance<\/em> penal<\/strong> a tots els nivells i \u00e0mbits de la mutualitat. S&#8217;han realitzat accions de sensibilitzaci\u00f3, tant als \u00f2rgans de govern com als treballadors, perqu\u00e8 tinguin coneixement sobre aquests comportaments il\u00b7l\u00edcits d&#8217;aquesta mena d&#8217;irregularitats i disposin dels mecanismes de prevenci\u00f3 necessaris per a evitar que es produeixin i denunciar-ho.<\/p>\n\n\n\n<p>A m\u00e9s, en l&#8217;exercici 2022 s&#8217;ha elaborat tamb\u00e9 una pol\u00edtica d&#8217;anticorrupci\u00f3 i una altra de gesti\u00f3 del frau.<\/p>\n\n\n\n<p>En aquesta l\u00ednia, per al compliment d&#8217;altres normatives com la prevenci\u00f3 del blanqueig de capitals, Mutual M\u00e8dica disposa de dos \u00f2rgans m\u00e9s especialitzats, que s\u00f3n l\u2019<strong>OCI i la Unitat T\u00e8cnica<\/strong> que s&#8217;encarreguen de posar en pr\u00e0ctica les pol\u00edtiques, procediments i altres obligacions establertes en aquesta mat\u00e8ria.<\/p>\n\n\n\n<p>D&#8217;altra banda, en l&#8217;\u00e0mbit de la protecci\u00f3 de dades personals, Mutual M\u00e8dica compta amb un <strong>delegat de Protecci\u00f3 de Dades<\/strong>, nomenat amb anterioritat per l&#8217;Ag\u00e8ncia Espanyola de Protecci\u00f3 de dades, que s&#8217;encarrega de donar resposta als requisits legals d&#8217;aquesta normativa i a treballar d&#8217;una forma transparent amb la privacitat de les dades dels nostres mutualistes, prove\u00efdors, col\u00b7laboradors interns, etc., aix\u00ed com la seguretat, confidencialitat, integritat, disponibilitat i protecci\u00f3 d&#8217;aquests.<\/p>\n\n\n\n<p>Mutual M\u00e8dica disposa d&#8217;unes pol\u00edtiques escrites en aquesta mat\u00e8ria que es troben a la disposici\u00f3 dels colaboradors. A m\u00e9s dels requeriments legals i obligatoris per a complir el Reglament General de Protecci\u00f3 de Dades (RGPD) i\/o la Llei org\u00e0nica de Protecci\u00f3 de Dades i Garantia dels Drets Digitals (<strong>LOPDGDD<\/strong>), hi ha implementades algunes mesures de gesti\u00f3 de seguretat per a evitar els riscos de ciberseguretat. <\/p>\n\n\n\n<p>El Sistema de Control Intern engloba tots aquells processos i mesures establerts pel Consell d&#8217;Administraci\u00f3 de Mutual M\u00e8dica per a garantir que les operacions de l&#8217;entitat es realitzen segons el que s&#8217;estableix i amb el nivell de qualitat i precisi\u00f3 exigit. En concret, aquests procediments mesuren aspectes com l&#8217;efic\u00e0cia i efici\u00e8ncia de les operacions, la fiabilitat i integritat de la informaci\u00f3 financera i no financera, l&#8217;adequada gesti\u00f3 dels riscos d&#8217;acord amb els objectius estrat\u00e8gics, i el compliment de les lleis, pol\u00edtiques i procediments interns aplicables.<\/p>\n\n\n\n<p> <\/p>\n\n\n\n<p id=\"auditoria-interna\"><\/p>\n\n\n\n<h2>Auditora Interna<\/h2>\n\n\n\n<p>En el seu rol de tercera l\u00ednia de defensa, la <em>funci\u00f3 d&#8217;Auditoria Interna<\/em> s&#8217;encarrega de la <strong>revisi\u00f3 i avaluaci\u00f3 de manera objectiva i independent del Sistema de Control Intern<\/strong>, amb l&#8217;objectiu de proporcionar una garantia addicional al Consell d&#8217;Administraci\u00f3. Per a aix\u00f2, compta amb la col\u00b7laboraci\u00f3 d&#8217;una firma externa independent i de prestigi, i un proc\u00e9s d&#8217;auditoria interna.<\/p>\n\n\n\n<p id=\"gestio-de-riscos\"><\/p>\n\n\n\n<h2>Gesti\u00f3 de riscos<\/h2>\n\n\n\n<p><strong><strong>L&#8217;activitat de Mutual M\u00e8dica est\u00e0 afectada per un conjunt de riscos de naturalesa molt <\/strong>diversa<\/strong>: socials, econ\u00f2mics, financers, legislatius, operacionals o vinculats a l&#8217;\u00fas de les tecnologies de la informaci\u00f3 i comunicaci\u00f3. Aquests riscos no s\u00f3n est\u00e0tics, sin\u00f3 que es troben en constant transformaci\u00f3, com demostren la incertesa econ\u00f2mica global actual i l&#8217;acceleraci\u00f3 del proc\u00e9s de digitalitzaci\u00f3.<\/p>\n\n\n\n<p>L&#8217;entitat compta amb una s\u00e8rie <strong>de sistemes d&#8217;identificaci\u00f3 d&#8217;aquests riscos i amb recursos i pol\u00edtiques pr\u00f2pies per a fer-los front<\/strong>. El <strong>sistema de gesti\u00f3 de riscos<\/strong> s&#8217;ha definit per a garantir que els riscos que accepta la mutualitat s\u00f3n gestionats i controlats adequadament, i que, al seu torn, sigui una font d&#8217;avantatges competitius, per a disposar de millors productes i serveis per al mutualista, aix\u00ed com garantir la solv\u00e8ncia d&#8217;aquesta a llarg termini.<\/p>\n\n\n\n<p>Mutual M\u00e8dica adopta el <strong>sistema de tres l\u00ednies de defensa<\/strong> com a model per a la gesti\u00f3 de riscos corporatius. Aquest model persegueix principalment els seg\u00fcents objectius:<\/p>\n\n\n\n<ul><li>Anticipaci\u00f3 dels riscos i desenvolupament de mesures preventives.<\/li><li>Gesti\u00f3 del risc a partir del compliment de les normatives externes i internes.<\/li><li>Desenvolupament de mecanismes fiables i independents d\u2019auditoria interna.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-video w80\"><video autoplay muted src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/09\/animv1-4.mp4\" playsinline><\/video><\/figure>\n\n\n\n<p><br>Aquest model \u00e9s un est\u00e0ndard \u00e0mpliament utilitzat, que, al mateix temps, \u00e9s un requeriment de la normativa imposada per la regulaci\u00f3 de Solv\u00e8ncia II (directiva europea), que marca el sistema de solv\u00e8ncia de totes les entitats del sector assegurador.<\/p>\n\n\n\n<p>Per a realitzar el mesurament quantitatiu dels riscos, i amb aix\u00f2 el c\u00e0lcul de la r\u00e0tio de solv\u00e8ncia de la mutualitat, derivats del negoci, emprem la metodologia de la f\u00f3rmula est\u00e0ndard de Solv\u00e8ncia II, on es quantifiquen els seg\u00fcents riscos:<\/p>\n\n\n\n<figure class=\"wp-block-video w80\"><video autoplay muted src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/09\/animv1_2.mp4\" playsinline><\/video><\/figure>\n\n\n\n<p>Addicionalment, en l&#8217;Avaluaci\u00f3 Interna de la prospectiva de Riscos i Solv\u00e8ncia (EIRS o ORSA, en les seves sigles en angl\u00e8s), s&#8217;inclouen riscos entre els quals destaquen el risc de liquiditat, risc de mercat, risc de subscripci\u00f3, risc operacional, risc de cr\u00e8dit, etc. Durant l&#8217;exercici, s&#8217;ha identificat el risc de sostenibilitat de manera incipient per a una avaluaci\u00f3 posterior detallada de l&#8217;apetit al risc per a la consecuci\u00f3 d&#8217;objectius.&nbsp;<\/p>\n\n\n\n<p>El <strong>risc de sostenibilitat<\/strong> es defineix com tot esdeveniment o estat mediambiental, social o de governan\u00e7a que, d&#8217;oc\u00f3rrer, pot causar un efecte material negatiu real o possible sobre el valor de la inversi\u00f3 (RD 2019\/2088). En conseq\u00fc\u00e8ncia, el risc de sostenibilitat es pot estendre als productes i a l\u2019actiu i passiu d&#8217;una entitat asseguradora, com un efecte negatiu en la sinistralitat i cat\u00e0strofes, les provisions t\u00e8cniques de Solv\u00e8ncia II i la valoraci\u00f3 de les inversions.<\/p>\n\n\n\n<p>El canvi clim\u00e0tic planteja riscos cada vegada m\u00e9s greus per als ecosistemes, el medi ambient, la salut i l&#8217;economia. Aquest \u00e9s un risc de sostenibilitat que es divideix en dos components diferenciadors, el <strong>risc f\u00edsic<\/strong> derivat del canvi clim\u00e0tic (temporal o cr\u00f2nic) i el <strong>risc de transici\u00f3<\/strong> derivat d&#8217;una transici\u00f3 r\u00e0pida cap a una economia baixa en carboni i resistent al canvi clim\u00e0tic (tecnologia, reputaci\u00f3, normatius, etc.).<\/p>\n\n\n\n<figure class=\"wp-block-video\"><video autoplay muted src=\"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-content\/uploads\/2023\/09\/animv1-5.mp4\" playsinline><\/video><\/figure>\n\n\n\n<p>Per aix\u00f2, la major necessitat d&#8217;avaluar i integrar els riscos relacionats amb el clima i mediambientals en els processos de gesti\u00f3 del risc i an\u00e0lisi dels impactes financers i econ\u00f2mics. Per a la cartera d&#8217;inversions (actiu del balan\u00e7) com per als passius, s&#8217;ha realitzat una primera avaluaci\u00f3 de materialitat, de manera qualitativa com a quantitativa, concloent que l&#8217;entitat no t\u00e9 una exposici\u00f3 significativa al risc de canvi clim\u00e0tic.<\/p>\n\n\n\n<p>Mutual M\u00e8dica continuar\u00e0 avaluant el risc de canvi clim\u00e0tic i els seus impactes a mesura que es disposi de metodologies m\u00e9s avan\u00e7ades, eines d&#8217;an\u00e0lisis estandarditzades i segons l&#8217;evoluci\u00f3 del marc regulador en aquestes q\u00fcestions.<\/p>\n\n\n\n<p id=\"inversions-sostenibles\"><\/p>\n\n\n\n<h2>Inversions sostenibles<\/h2>\n\n\n\n<p>Mutual M\u00e8dica avan\u00e7a en integrar la sostenibilitat en el seu paper com a inversor institucional. La Pol\u00edtica d&#8217;Inversions incorpora criteris ambientals, \u00e8tics i morals en la presa de decisions d&#8217;inversi\u00f3, que no sols exclouen sectors controvertits, sin\u00f3 tamb\u00e9 pa\u00efsos i entitats poc \u00e8tiques. A m\u00e9s, prioritza les inversions en empreses proactives en mat\u00e8ria de sostenibilitat, i que tenen com a objectiu concret el desenvolupament dels aspectes ambientals i socials.<\/p>\n\n\n\n<p>S&#8217;ha elaborat una <strong>Pol\u00edtica d&#8217;integraci\u00f3 de riscos de sostenibilitat i procediments interns que integren criteris Ambientals, Socials i de Governan\u00e7a<\/strong> (ASG), basada en tres pilars:<\/p>\n\n\n\n<ul><li>Exclusions en inversi\u00f3 en directe i fons d&#8217;inversi\u00f3 UCITS.<\/li><li>Integraci\u00f3 de riscos ASG, compliment del procediment d&#8217;integraci\u00f3, llindars, l\u00edmits, r\u00e0ting ASG mitj\u00e0.<\/li><li>Inversions sostenibles ISR, de la cartera invertida en actius o estrat\u00e8gies sostenibles o impacte, amb r\u00e0ting ASG dels fons.<\/li><\/ul>\n\n\n\n<p>La integraci\u00f3 d&#8217;aquests criteris no financers (criteris ASG) es realitzar\u00e0 mitjan\u00e7ant l&#8217;an\u00e0lisi d&#8217;informaci\u00f3 no financera que pot afectar les inversions i a la identificaci\u00f3 d&#8217;aquells factors que puguin implicar un risc. Aquesta informaci\u00f3 podr\u00e0 obtenir-se tant de fonts externes i prove\u00efdors externalitzats com de fonts internes.<\/p>\n\n\n\n<p>A part de definir la Pol\u00edtica d&#8217;Integraci\u00f3 de Riscos de Sostenibilitat, Mutual M\u00e8dica ha establert, en la seva Pol\u00edtica d&#8217;Inversions, l\u00edmits en les inversions basats en criteris ASG. En l\u00ednia amb aquesta pol\u00edtica, el departament d&#8217;inversions ha elaborat un model intern d&#8217;an\u00e0lisi, que determina un llistat de pa\u00efsos on Mutual M\u00e8dica no invertir\u00e0, per registrar un alt risc de violaci\u00f3 dels Drets Humans.<\/p>\n\n\n\n<p>A m\u00e9s d&#8217;integrar criteris ASG en la presa de decisions d&#8217;inversi\u00f3, Mutual M\u00e8dica ha aprovat l&#8217;adhesi\u00f3 als <strong>Principis per a la Inversi\u00f3 Responsable<\/strong> (PRI) de les Nacions Unides.<\/p>\n\n\n\n<p>PRI compta amb m\u00e9s de 4000 signataris, de m\u00e9s de 60 pa\u00efsos que representen m\u00e9s de 120 bilions de d\u00f2lars en actius.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sistema de Govern Corporatiu \u00d2rgans socials per a la gesti\u00f3 responsable En Mutual M\u00e8dica disposem d&#8217;un sistema de govern robust que garanteix una gesti\u00f3 sana, prudent i \u00e8tica de l&#8217;entitat, adequada a la complexitat de les operacions. Tal com estableix la normativa d&#8217;ordenaci\u00f3, supervisi\u00f3 i solv\u00e8ncia d&#8217;entitats asseguradores, el nostre sistema de govern est\u00e0 constitu\u00eft [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4543,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"_links":{"self":[{"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/pages\/5337"}],"collection":[{"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/comments?post=5337"}],"version-history":[{"count":8,"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/pages\/5337\/revisions"}],"predecessor-version":[{"id":5589,"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/pages\/5337\/revisions\/5589"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/media\/4543"}],"wp:attachment":[{"href":"https:\/\/comunicasmas.com\/mutual-medica\/informe-sostenibilidad-2022\/wp-json\/wp\/v2\/media?parent=5337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}