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Resource management

The rational resource management policy involves continuous monitoring and reduction of the consumption of materials, by way of:

  • analysis of fulfillment of the budgets for the purchase of office materials,
  • verification of the need for each purchase ordered,
  • introduction of purchase caps at current consumption levels,
  • reuse of redundant elements of equipment, which reduces the quantity of waste.

Consumption of purchased materials

In 2015, the quantity of materials purchased by the Bank increased by 1%. This was driven by the increase in the number of clients by about 6.5% and introduction of new goods for customer service tasks (including notes to analyze client needs, schedulers, new envelope design).

The policy of reusing the Bank’s own resources has allowed us to limit purchases of new devices, equipment and materials required for the business activity.

Consumption of purchased materials

Article (kg) 2015 2014 2013 2012 Change 2015/2014
Paper and paper rolls for operational needs 302,991 300,750 322,822 369,307 0.75%
Envelopes 73,208 71,533 93,874 101,924 2.34%
Plastics 12,155 11,793 12,689 13,421 3.07%
Consumable materials for printing devices 1,326 1,469 1,677 1,708 -9.70%
Batteries 411 420 434 541 -1.93%


Oversight over waste management

In 2014, the Bank recorded an 18% drop in the volume of waste it generated.

Paper, metal, wood, plastic, glass and electronic waste produced in the course of the Bank's operating activity is recycled or utilized by a specialized company with which the Bank has signed a contract. 88% of the waste is recycled.

Municipal waste from the Bank’s Head Office in Warsaw is collected by a specialized company. 80% of the waste is recycled. Materials, compost and also energy are recovered (RDF fuel). Social rooms in branches are equipped with built-in trash segregation waste bins.

Recycling and disposal of materials

Article (kg) 2015 2014 2013 2012 Change 2015/2014 Reasons for change
Tele IT equipment 19,913 10,001 23,176 13,629 99.11% periodic replacement of telecommunications and IT equipment, which is no longer fit for use (incl. computers, monitors, UPS units, modems, notebooks, printers, phone exchanges)
Paper 249,311 342,379 262,312 203,657 -27.18% shredding documents from external storage, whose storage period has expired in the current calendar year
Metal waste and cable 7,162 3,060 6,197 3,839 134.05% removing redundant equipment (among others: safes, metal cabinets, office chairs, counting machines, shredders, glass walls etc.) and devices with a technical opinion to be destroyed from the Bank’s outlets.    
Plastics 770 1,049 1,195 552 -26.60%
Glass 3,690 1,354 240 230 172.53%
Furniture 8,841 4,877 3,402 4,789 81.28%
Lead batteries 4,448 n/a n/a n/a n/a
Recycled waste* 88% 92% 92% 92% -4% more waste, which is not fit for processing.

*waste produced by the Bank and passed on to a specialized utilization company


Monitoring energy and water consumption

After an analysis of the consumption of water, energy and fuels, reduction measures are implemented to reduce consumption of these resources.

Energy and water consumption

Material   2015 2014 2013 2012 Entity Change 2015/2014 Reasons for change
Electricity purchased 22,730,441 30368048 30242556 31008557 kWh -25.15 % installation of LED lighting, sale of a building in Katowice and closure of branches
Heating energy purchased 81,417 98684 105841 104693 GJ -17.5 % mild winter, closure of branches 
Natural gas 152,726   186651 232432 200386 M3 -18.18 %
Heating oil 13,832 37459 69279 75818 L -63% sale of a building in Katowice
Hydro 70,703 71307 73811 85589 M3 - 0.85 % monitoring of water consumption

* municipal water

G4-EN3, G4-EN6, G4-EN8

Consumption of fuel

Car fleet

Fuel consumption by the car fleet has decreased by about 5% compared to 2014.

All the company cars are compliant with the Euro 5 exhaust emission level standard.

Consumption of fuel 2015 2014 2013 2012 Change 2015/2014
  Gasoline Diesel Gasoline Diesel Gasoline Diesel Gasoline Diesel Gasoline Diesel
Number of cars 301 195 314 177 347 146 347 150 -4.1% 10.2%
Fuel consumption (l) 444,291 249010 502,748 233,555 491,393 228,200 520,737 210,820 -11.6% 6.6%


Business travel

Limits for the use of individual types of transportation are applied in order to rationalize the number of business trips. Employees use mainly railway and bus transportation. If they travel by plane, they need approval from the Chairman of the Management Board and if a private car is used – approval from a Management Board member.

Business travel (km) 2015 2014 2013 2012 Change 2015/2014 Reasons for change
Air 241,638 302,348 329,725 318,079 - 20% Greater use of Pendolino train connections. 
Taxis 1,317 2,059 1,203 3,524 - 36%
Railway 1,794,890 1,587,130 1,229,645 1,940,702 13% The increase was driven by the need to organize stationary training for branch employees. 
Bus 199,432 176,348 73,966 87,598 13%

G4-DMA EN30, G4-EN30

Greenhouse gas emissions

In 2015, over 92% of the Bank’s entire carbon footprint came from indirect emissions related to the consumption of electricity and heat in the Bank’s facilities (about 58% and 34%, respectively), while some 7% came from the combustion of fuel in its own power installations and vehicles and approximately 0.5% from indirect emissions associated with the use of public transportation. In 2015, the organization’s CO2 emissions were reduced by about 23% as compared with 2014.

This was driven by the lower consumption of electricity (by about 25% 2015/2014) and heat (by about 17% 2015/2014) as a result of the following activities: installation of LED lighting in successive branches, reduction of space used due to closures of branches and the sale of a building in Katowice and due to the mild weather in the winter.

Total carbon footprint   2015 2014 2013 2012 2011 2010
Total CO2 emission* (tons) 33,636 42,388   43,346   43,879   39,659   41,854  

* CO2 equivalent, which includes carbon dioxide (CO2) emissions resulting from direct emissions from combustion of fuel and indirect emissions resulting from business travel plus emission of other greenhouse gases, that is methane (CH4) and dinitrogen monoxide (N2O) emitted in trace amounts in the above combustion processes.

G4-EN15, G4-EN27

Calculation methodology

The Carbon Footprint data were calculated on the basis of the methodology entitled Green House Gas Protocol A Corporate Accounting and Reporting Standard.

The reporting on CO2 emissions concerns direct emissions from the combustion of fuel in own energy sources and vehicles (according to Scope 1 GHG Protocol), indirect emissions from combustion of fuels to generate electricity and heat purchased by the organization (according to Scope 2 GHG Protocol) and other indirect emissions resulting from the combustion of fuel in the means of transportations not managed by the organizations, i.e. in taxis, planes, trains and buses (according to Scope 2 GHG Protocol).

In order to measure the carbon footprint emissions, the organization has adopted the principle of control (having control on the organization’s decisions) and therefore the data on greenhouse gas emissions (CO2, CH4 and N2O) come from the Bank’s own outlets and refer to the activity of its employees.