The Bank integrates ESG factors into the Development Strategy and key processes of the Bank, including planning, reporting, risk management, investments, operations, corporate culture, and others, as well as into decision-making processes at all levels—starting from the governing bodies (Sole Shareholder, Board of Directors, Management Board) and down to line employees—in such a way as to balance short-term and long-term interests and take into account environmental, social, and governance aspects in the decision-making process.

The distribution of roles and responsibilities in the field of sustainable development is assigned to the governing bodies and specialized units, which ensures a systematic approach to the introduction of sustainable development principles and control over their implementation.

Within the framework of sustainable finance development, the Bank develops and implements ESG products and initiatives aimed at supporting environmentally and socially significant projects. Special attention is paid to expanding the offering of loan products with environmental and social impacts, which contributes to the development of green and social financing within the loan portfolio.

The Bank also implements internal policies and procedures in the field of sustainable development, develops a corporate culture of sustainability, and raises employee awareness on sustainable development issues.

Thus, the management of ESG factors contributes to the integration of sustainable development into the strategy and operations of the Bank, supports the implementation of international standards, stimulates socially responsible initiatives, and creates long-term value for clients, employees, and society.комплекса политик по управлению экологическими и социальными рисками комплекса политик по управлению экологическими и социальными рисками комплекса политик по управлению экологическими и социальными рисками комплекса политик по управлению экологическими и социальными рисками