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.