Governance

To meet the goals outlined in our Environmental and Social Policy, we have established an Environmental Management System built on three pillars:

Pillar 1 - Internal Environmental Performance

We work to minimize our own environmental impact through:

• Efficient use of resources, energy, and materials.
• Optimizing branch network and internal processes.
• Raising staff awareness and providing regular training.

Pillar 2 - Environmental and Social Risk Management

We ensure responsible financing by:

• Applying exclusion lists for sensitive activities
• Conducting thorough environmental risk assessments
• Evaluating social risks to protect communities and employees

Pillar 3 - Green Lending

We promote sustainable investments by supporting:

• Energy efficiency improvements.
• Renewable energy projects.
• Environmentally friendly business initiatives.

Transparency and Ethical Standards

We apply clear policies to ensure ethical behavior, including anti-money laundering and anti-corruption measures. Employees can report suspected violations through anonymous channels. Our flat hierarchy makes the Management Board more accessible to staff in the Bank.

Exclusion List

We are committed to responsible banking and sustainable development. For this reason, we maintain a clear Exclusion List that defines the activities and sectors with which the bank does not establish business relationships or provide financing. This ensures that our operations align with high environmental, social, and ethical standards.
We believe education and leadership by example are essential for promoting sustainable practices. That’s why we also actively participate in industry events, share insights and recommend process improvements.