Sustainability Report
2025
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Independent Auditor's Report
Independent Auditor's Report
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Contents
Message from the Chair of the Board of Directors
Message from the Chair of the Management Board
About the Report
Sustainability Performance Indicators
Key sustainability events in 2025
About the Bank
About the Bank
Sustainable Development Management
Priority Areas of the Bank's Activity in Sustainable Development
Sustainability Governance Structure
Sustainable Development Strategy
Monitoring the Implementation of the Sustainable Development Strategy for 2025
Plans for 2026
The Bank's Contribution to the UN Sustainable Development Goals
ESG Products and Services
Implementation of Social Programs and Projects
Implementation of the Environmental Program
Special Service for Certain Categories of Citizens
Corporate Governance
Corporate Governance
Corporate Governance Structure
Board of Directors
Informing the Board of Directors about Critically Important Issues
Composition of the Board of Directors
Changes in the Composition of the Board of Directors of the Bank in 2025
Board Structure
Performance Results of the Board of Directors
Information on the attendance of meetings (in-person and absentee) by members of the Board of Directors of the Bank for 2025
Evaluation of the Board of Directors
Remuneration
Committees under the Board of Directors
Performance Results of Committees under the Board of Directors
Information on the attendance of meetings (in-person and absentee) by members of the Committees under the Board of Directors of the Bank for 2025
Business Ethics
Conflict of Interest
Anti-Corruption and Compliance
Internal Audit
External Audit
Risk Management System
Internal Control System
Internal Control over Sustainability Reporting
Control Environment
Compliance Risk Management
Capital and Liquidity Management
Management of ESG Risks
Management of ESG Factors
Management of ESG Factors in Lending Activities
Economic Component of Sustainable Development
Economic Performance
Shareholding and Dividends
Procurement
The Bank's Indirect Economic Impact
Interaction with Stakeholders
Customer Engagement and Interaction
Protection of Client Privacy
Information Security
Security Practices
Responsible Lending and Financial Products
Financial Accessibility
Compliance with Legal Requirements
Litigation
Ecological Component of Sustainable Development
Ecological Component of Sustainable Development
Energy Consumption and Energy Efficiency
Water Consumption
Waste Management
Environmental Protection
Greenhouse Gas and Other Pollutant Emissions
Climate Change
Management of Climate Change, Risks, and Opportunities
Climate Change Management – Corporate Governance Improvement and Strategy
Strategic direction (transformation taking into account the climate agenda)
Risk management
Indicators and targets
Impact of climate risks on the Bank's portfolio
Social Component Of Sustainable Development
Employment
Personnel Composition and Structure
Employee-Management Relations
Training and Education
Remuneration of Bank Employees
Employee Motivation
Diversity and Equal Opportunities
Gender Policy
Non-Discrimination
Diversity and Inclusion
Human Rights Compliance
Social Protection
Ensuring Occupational Health and Safety, Civil Defense, and Fire Safety
Sponsorship and Charity
Responsible Labor Practices
Appendices
Independent Auditor's Report
IFRS S2 Disclosure Table
SASB Index
GRI Content Index
Contact Information
Contact Information
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