Page Tools

Introduction of environmentally friendly solutions

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


Action Description
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.
- based on the average number of shipments sent out, a limit for secure plastic envelope orders 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.


Action Description
Restrictions on printing of transaction documents - the quantity of paper ordered to print cash and treasury transactions is controlled on an ongoing basis, based on monthly cash transaction reports;
- through automation of the ATM settlement process, the related documents no longer have to be printed out.
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.  
Follow me printing functionality, which limits the quantity of unnecessary printouts. A document is stored on a server and printed only when an Employee logs into a specific device and executes a print command.
Electronic workflow - by introducing IT systems for processing internal documents, the circulation of most paper documents has been eliminated in the Bank;
- processing client documentation (e.g. loan applications) is based on electronic copies of documents;
- corporate clients may deliver and authorize the documents, which are required from them on an ongoing basis, by uploading the scanned document into the internet banking system.
Limiting the number of printed documents

- 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.
- TV displays are installed in the outlets, 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.
- To improve customer service, the format was changed, the language was simplified and the number of pages was reduced in the internal regulations used by employees for customer service (reduction by a total of 1130 pages).
- online statements are promoted: 95% of new clients decide to use such statements as they open an account. In 2015, over 150 thousand additional clients decided to use on-line statements.  

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 loans and payment cards through the web banking system, in which the entire documentation is uploaded remotely. In 2015, the percentage of cards applied for electronically rose from 5% to 61%.
Marking in branches - paper posters replaced by an image wall with graphics;
- one information sticker on the door, instead of several;
- permanent marking of ATM’s/deposit ATMs instead of non-durable stickers.

On-line bank statements 2015 2014 2013 2012
Number and % of clients 1,141,113 (68%) 950,789 (62%) 779,399 (54%) 670,693 (47%)

Electricity and water

Action Description
Energy savings in branches

- replacement of light sources in external advertising panels of the branches, from traditional fluorescent lamps to energy
- saving LED light sources;

- limited operation of external advertising panels (they are turned off at midnight);
- energy-efficient light sources in new or upgraded branches.

Energy-efficient building of the Bank’s Head Office

- LED lighting in halls and garage parts (60%);
- energy recovery ventilation in air handling units;
- fancoils switched to an economic mode at night;
- silent operation of the central heating unit at night;
- light turned off on a temporary basis after 6 p.m.;
- rainwater collection and use system;
- BREEAM certificate for environmentally-friendly buildings.

Ongoing monitoring of water and energy consumption is a continuous process. Based on the financial data, a ranking of energy consumers by consumption level is prepared. Branches with the highest energy consumption rates are controlled 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 to the period of the working hours. The turn-off methodology also prevents a simultaneous operation of heating and cooling devices;
- virtualization of servers has made is possible to reduce the number of physical hardware in the computer center, which drove down energy consumption for power supply and air conditioning;
- regular replacement of computer hardware with newer hardware offering lower power consumption.

Energy savings in branches 2015 2014 2013 2012
Branches with LED lighting 410 (99%) 316 (74%) 233 (53%) 100 (22%)
Branches with panels turned off at midnight 363 (87%)* 377 (89%)* 395 (90%) 349 (78%)
Energy-saving sources of light in branches 49 (12%) 27 (6%) 16 (4%) 8 (2%)

*the remaining panels are lit up for the entire opening time of the shopping malls in which they are located



Action Description
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 900 video conference calls were held in 2015.