The report has been prepared “in accordance” with the GRI G4 Sustainability Reporting Guidelines (Core option) and with use of the Financial Services Supplement.
| GENERAL STANDARD DISCLOSURES | ||
|---|---|---|
| General Standard Disclosures | External Assurance | Description |
| STRATEGY AND ANALYSIS | ||
| G4-1 | none | Statement from the most senior decision-maker of the organization about the relevance of sustainability to the organization and the organization’s strategy for addressing sustainability. |
| G4-2 | none | Description of key impacts, risks and opportunities. |
| PROFILE OF THE ORGANIZATION | ||
| G4-3 | none | Name of the organization. |
| G4-4 | none | Primary brands, products, and/or services. |
| G4-5 | none | Location of organization’s headquarters. |
| G4-6 | none | Number of countries where the organization operates. |
| G4-7 | none | Nature of ownership and legal form. |
| G4-8 | none | Markets served. |
| G4-9 | none | Scale of the organization. |
| G4-10 | none | Number of employees by employment contract, region and gender. |
| G4-11 | none | Percentage of total employees covered by collective bargaining agreements. |
| G4-12 | none | Organization's supply chain. |
| G4-13 | none | Significant changes during the reporting period regarding size, structure, form of ownership and supply chain. |
| G4-14 | none | Explanation of whether and how the precautionary principle is addressed by the organization. |
| G4-15 | none | Externally developed economic, environmental and social charters, principles, or other initiatives to which the organization subscribes or which it endorses. |
| G4-16 | none | Memberships of associations (such as industry associations) and national or international advocacy organizations. |
| IDENTIFIED MATERIAL ASPECTS AND BOUNDARIES | ||
| G4-17 | none | (a) List all entities included in the organization’s consolidated financial statements or equivalent documents (b) entities included in the organization’s consolidated financial statements or equivalent documents is not covered by the report. |
| G4-18 | none | (a) Process for defining the report content and Aspect Boundaries (b) how the organization has implemented the Reporting Principles for Defining Report Content |
| G4-19 | none | (a) List of all the material Aspects identified in the process for defining report content. |
| G4-20 | none | (a) Materiality of Aspects within the organization. |
| G4-21 | none | (a) Materiality of Aspects outside the organization. |
| G4-22 | none | (a) The effect of any restatements of information provided in previous reports, and the reasons for such restatements. |
| G4-23 | none | (a) Significant changes in the Scope and Aspect Boundaries. |
| STAKEHOLDER ENGAGEMENT | ||
| G4-24 | none | (a) List of stakeholder groups engaged by the organization. |
| G4-25 | none | (a) Basis for identification and selection of stakeholders with whom to engage. |
| G4-26 | none | (a) Organization's approach to stakeholder engagement. |
| G4-27 | none | (a)Key topics and concerns that have been raised through Stakeholder engagement, and how the organization has responded to those key topics and concerns. |
| REPORT PROFILE | ||
| G4-28 | none | Reporting period. |
| G4-29 | none | Date of the most recent previous report. |
| G4-30 | none | Reporting cycle. |
| G4-31 | none | Contact point. |
| G4-32 | none | GRI Content Index |
| G4-33 | none | Policy and current practice with regard to seeking external assurance for the report. |
| GOVERNANCE | ||
| G4-34 | none | Governance structure of the organization. |
| G4-41 | none | Processes for the highest governance body to ensure conflicts of interest are avoided and managed. |
| G4-46 | none | The highest governance body’s role in reviewing the effectiveness of the organization’s risk management processes for economic, environmental and social topics. |
| G4-47 | none | The frequency of the highest governance body’s review of economic, environmental and social impacts, risks, and opportunities. |
| ETHICS AND INTEGRITY | ||
| G4-56 | none | Organization’s values, principles, standards and norms of behavior such as codes of conduct and codes of ethics. |
| G4-57 | none | Internal and external mechanisms for seeking advice on ethical and lawful behaviour. |
| G4-58 | none | Internal and external mechanisms for reporting concerns about unethical or unlawful behaviour. |
| SPECIFIC STANDARD DISCLOUSURES | |||
|---|---|---|---|
| Disclosures on Management Approach (DMA) and Indicators | Omissions | External Assurance | Description |
| CATEGORY: ECONOMIC | |||
| ASPECT: ECONOMIC PERFORMANCE | |||
| G4-DMA SEKTOR | none | ||
| G4-EC1 SEKTOR | none | Direct economic value generated and distributed. | |
| ASPECT: MARKET PRESENCE | |||
| G4-DMA | none | ||
| G4-EC6 | none | Proportion of senior management hired from the local community. | |
| ASPECT: INDIRECT ECONOMIC IMPACTS | |||
| G4-DMA | none | ||
| G4-EC7 | none | Development and impact of infrastructure investments and services supported. | |
| ASPECT: PROCUREMENT PRACTICES | |||
| G4-DMA | none | ||
| G4-EC9 | none | Proportion of spending on local suppliers at significant locations of operation. | |
| CATEGORY: ENVIRONMENTAL | |||
| ASPECT: MATERIALS | |||
| G4-DMA | none | ||
| G4-EN1 | none | Materials used by weight or volume. | |
| ASPECT: ENERGY | |||
| G4-DMA | none | ||
| G4-EN3 | none | Energy consumption within the organization. | |
| G4-EN6 | none | Reduction of energy consumption. | |
| ASPECT: WATER | |||
| G4-DMA | none | ||
| G4-EN8 | none | Total water withdrawal by source. | |
| ASPECT: EMISSIONS | |||
| G4-DMA | none | ||
| G4-EN15 SEKTOR | none | Direct greenhouse gas emissions. | |
| ASPECT: EFFLUENTS AND WASTE | |||
| G4-DMA | none | ||
| G4-EN23 SEKTOR | none | Total weight of waste by type and disposal method. | |
| ASPECT: PRODUCTS AND SERVICES | |||
| G4-DMA | none | ||
| G4-EN27 | none | Extent of impact mitigation of environmental impacts of products and services. | |
| ASPECT: COMPLIANCE | |||
| G4-DMA | none | ||
| G4-EN29 | none | Fines for non-compliance with environmental laws and regulations. | |
| ASPECT: TRANSPORT | |||
| G4-DMA | none | ||
| G4-EN30 | none | Environmental impacts of transporting products, materials and the workforce for the organization’s operations. | |
| CATEGORY: SOCIAL | |||
| SUB-CATEGORY: LABOUR PRACTICES AND DECENT WORK | |||
| ASPECT: EMPLOYMENT | |||
| G4-DMA SEKTOR | none | ||
| G4-LA1 | none | Total number and rates of new employee hires and employee turnover by age group, gender and region. | |
| G4-LA2 | none | Benefits provided to employees. | |
| G4-LA3 | none | Return to work and retention rates after parental leave, by gender. | |
| ASPECT: OCCUPATIONAL HEALTH AND SAFETY | |||
| G4-DMA | none | ||
| G4-LA6 | none | Type of injury and rates of injury, occupational diseases, lost days, and absenteeism, and total number of work-related fatalities, by region and by gender. | |
| ASPECT: TRAINING AND EDUCATION | |||
| G4-DMA | none | ||
| G4-LA9 | none | Average hours of training per year per employee by gender and employee category. | |
| G4-LA11 | none | Percentage of employees receiving regular performance and career development reviews by gender and employee category. | |
| ASPECT: DIVERSITY AND EQUAL OPPORTUNITIES | |||
| G4-DMA | none | ||
| G4-LA12 | none | Composition of governance bodies and breakdown of employees per diversity indicators. | |
| ASPECT: EQUAL REMUNERATION FOR WOMEN AND MEN | |||
| G4-DMA | none | ||
| G4-LA13 | none | Ratio of basic salary and remuneration of women to men by employee category. | |
| SUB-CATEGORY: SOCIETY | |||
| ASPECT: LOCAL COMMUNITIES | |||
| G4-DMA | none | ||
| G4-SO2 | No operations with significant actual and potential negative impacts on local communities. | none | Operations with significant actual and potential negative impacts on local communities. |
| G4-FS13 | none | Access points in low-populated or economically disadvantaged areas. | |
| G4-FS14 | none | Initiatives to improve access to financial services for disadvantaged people. | |
| ASPECT: ANTI-CORRUPTION | |||
| G4-DMA | none | ||
| G4-SO3 | none | Total number and percentage of operations assessed for risks related to corruption and the significant risks identified. | |
| G4-SO5 | none | Confirmed incidents of corruption and actions taken. | |
| ASPECT: COMPLIANCE | |||
| G4-DMA | none | ||
| G4-SO8 | none | Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with laws and regulations. | |
| SUB-CATEGORY: PRODUCT RESPONSIBILITY | |||
| ASPECT: PRODUCT AND SERVICE LABELLING | |||
| G4-DMA SEKTOR | none | ||
| G4-PR3 | none | Type of product and service information required by the organization’s procedures. | |
| G4-PR5 | none | Results of surveys measuring customer satisfaction | |
| G4-FS15 | none | Policies for the fair design and sale of financial products and services. | |
| G4-FS16 | none | Initiatives to enhance financial literacy by type of beneficiary. | |
| ASPECT: MARKETING COMMUNICATION | |||
| G4-DMA | none | ||
| G4-PR7 | none | Total number of incidents of non-compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship, by type of outcomes. | |
| ASPECT: CLIENT PRIVACY PROTECTION | |||
| G4-DMA | none | ||
| G4-PR8 | none | Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data. | |
| SPECIFIC STANDARDS DISCLOSURES RELATED TO SECTOR SPECYFIC ASPECTS | |||
|---|---|---|---|
| Specific standard disclosures related to sector specyfic aspects | Omissions | External Assurance | Description |
| SECTOR-SPECIFIC ASPECT: PRODUCT PORTFOLIO | |||
| G4-DMA | none | ||
| G4-FS1 | none | Policies with specific environmental and social components applied to business lines. | |
| G4-FS5 | none | Interactions with clients/ investees/ business partners regarding environmental and social risks and opportunities. | |
| G4-FS7 | none | Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose. | |
| G4-FS8 | none | Monetary value of products and services designed to deliver a specific environmental benefit for each business line broken down by purpose. | |
| SECTOR-SPECIFIC ASPECT: AUDIT | |||
| G4-DMA | none | ||
| G4-FS9 | none | Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures. | |
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