SUSTAINABILITY REPORT 2024
Turning the Dream of Home into a Goal
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Address of the Chair of the Board of Directors
Address of the Chair of the Management Board
About the Report
Key Sustainability Events in 2024
About the Bank
About the Bank
Sustainability Management
Organizational Structure of Sustainability Management
The Bank’s Contribution to the UN Sustainable Development Goals
ESG Products and Services
Implementation of Social Programs and Projects
Implementation of Environmental Projects
Special Services for Certain Categories of Citizens
Corporate Governance System
Corporate Governance System
Corporate Governance Structure
Board of Directors
Composition and Qualifications of the Board of Directors
Composition of the Board of Directors
Committees under the Board of Directors
Evaluation of the Performance of the Board of Directors
Remuneration
Performance of the Board of Directors and Committees under the Board of Directors
Business Ethics
Conflict of Interest
Anti-Corruption and Compliance
Internal Audit
External Audit
Risk Management System
Control Environment
Capital and Liquidity Management
ESG Risk Management
ESG Factor Management
ESG Factor Management in Lending Activities
Economic Pillar of Sustainability
Economic Performance
Shareholding and Dividends
Procurement Practices
Stakeholder Engagement
Customer Engagement and Interaction
Customer Privacy
Cybersecurity
Responsible Lending and Financial Products
Financial Inclusion
Compliance with Laws
Legal Proceedings
Environmental Pillar of Sustainability
Energy Consumption and Energy Efficiency
Water Consumption
Waste Management
Environmental Protection
Greenhouse Gas Emissions and Other Air Pollutants
Climate Change
Climate Change Management: Risks and Opportunities
Climate Change Management: Enhancing Corporate Governance and Strategy
Strategic Direction (Transformation in the Context of the Climate Agenda)
Risk Management
Effect of Climate-Related Risks on the Bank’s Portfolio
Metrics and Targets
Social Pillar of Sustainability
Employment
Staff Composition and Structure
Responsible Labor Practices
Labor/Management Relations
Training and Education
Remuneration of Bank Employees
Diversity and Equal Opportunity
Gender Policy
Non-Discrimination
Diversity and Inclusion
Respect for Human Rights
Social Protection
Occupational Health and Safety, Civil Defense, and Fire Safety
Sponsorship and Charity
Appendices
Contacts
Appendices
GRI Table
SASB Table
IFRS S2 Table
