Page Tools

Introduction of Environmentally Friendly Solutions

G4-DMA, G4-27

In order to optimize the consumption of energy, water, fuel and materials purchased by the Bank, a number of solutions has been introduced. 

Plastic

ActionDescription
Limiting plastic consumption limits for bottled mineral water, plastic cup and stirrer orders. Water treatment purifiers have been installed in the Bank's Head Office.
Verification of the need for secure plastic envelopes Based on the average number of special shipments sent, a limit for secure plastic envelopes was set for each of the Bank's organizational units.
Efficient management of available resources Reuse of resources allows the Bank to reduce the purchased quantities of furnishings (desk chairs), own devices (shredders and bill counters) and consumable materials (e.g. toners, hangers, inking ribbons).
IT Tools The IT system supports verification of each order in terms of legitimacy of its purchase and defined limit, which contributes to a reduced consumption of resources.

Paper

ActionDescription
Control over paper requirements the amount of paper used to print cash and treasury operations is controlled on an ongoing basis, based on monthly cash transaction reports.
Optimized distribution of marketing materials Paper consumption is reduced through verification of the consistency of orders for marketing materials with the pre-agreed limits and through coordinated distribution of materials related to advertising campaigns.
Reducing the number of printouts through the use of print rooms and offering a default option of two-sided printouts and through scanning and mailing documents electronically.
Implementation of Equitrac a system for reporting and controlling printing tasks. The system records details of all the printouts generated by employees (including the number of pages and estimated printing cost) which makes it possible to manage the structure of printouts.
Electronic workflow By introducing IT systems for processing internal documents, the circulation of most paper documents has been eliminated in the Bank. Similarly, processing client documentation (e.g. loan applications) is based on electronic copies of documents.
Limiting the number of printed documents delivered to clients - Information materials (price lists, regulations) are not presented on displays in branches but rather printed upon a client’s request and as a mandatory element of contracts signed with a client.
- displays are installed in newly-opened and refurbished facilities, which drives the reduction of paper-based marketing materials (posters, flyers);
- some documents are posted on the Bank's website, which makes them directly accessible to the clients.
- a client purchasing a bundle of banking services may sign a single consolidated agreement instead of several separate agreements for each product. Additionally it is possible to receive a consolidated statement containing information on all products held in the Bank.
Product sales via remote channels Retail clients may apply for credit and savings products using remote channels where paper documentation does not exist at all.
Corporate clients are encouraged to apply for payment cards through the web banking system. At present 4.5% of cards are issued this way.
Promoting on-line statements 95% of new clients decide to use electronic statements when they open an account. In 2014 a campaign was carried out in which 50,000 clients replaced paper statements with electronic ones.

Number and percentage of users

 201420132012
On-line bank statements 950,789 (62%) 779,399 (54%) 670,693 (47%)

Electricity and water

ActionDescription
Replacement of light sources in external advertising panels of the Bank's outlets – from traditional fluorescent lamps to energy-saving LED light sources.
Limited operation of external advertising panels (they are turned off at midnight).
Energy-saving sources of light in new or upgraded branches.
Automatic light switch off system (after 6pm) in Head Office buildings.
Ongoing monitoring of water and energy consumption is a continuous process. Based on the financial data, a ranking of energy recipient by its consumption is prepared. Branches with the highest energy consumption rates are controlled and, if possible, improvements and recommendations for building administrator companies are implemented. Similarly, in the event of high utility bills it is verified whether the consumption is correct and whether or not any devices or installations have broken down.
Rational management of energy consumption the Head Office and the Bank's Branches have implemented the recommendations that regulate the operation of air-conditioning, ventilation and heating devices depending on seasons and daily distributions. The purpose of the recommendations is to limit the consumption of electricity by air-conditioning and heating and ventilation devices to the period of the working hours. The turn-off methodology also prevents a simultaneous operation of heating and cooling devices.

 201420132012
Branches with LED lighting 316 (74%) 233 (53%) 100 (22%)
Branches with panels turned off at midnight 377 (89%)* 395 (90%) 349 (78%)
Energy-saving sources of light in branches 27 (6%) 16 (4%) 8 (2%)

* the decrease in the number of branches with panels turned off at midnight is due to the reduction in the overall number of the Bank’s branches 

G4-EN6

Fuels

ActionDescription
Cars with lower emissions Company cars with the highest standards of exhaust emissions are gradually replaced by ones that are less harmful for the environment. The Bank's car fleet only has cars compliant with the Euro 5 standards.
Limiting the amount of business travel In order to minimize business travel, limits are used for respective types of transportation and remote communication methods are used, such as: e-learning courses, teleconferencing and videoconferencing. About 1000 video conferences were held in 2014.