Climate Change Data

Environmental Metrics

ESG Focus Areas

• Shareholder Value
• Customer Delight
• Employee Well-being
• Community Development
• Environmental Sustainability

Environmental Achievements

• Reduced GHG emissions through solar energy adoption in branches and virtualization of servers.
• Recycled approximately 3,059 kg of paper.

Social Achievements

• Successfully raised ₹5.12 Crore through RBL Bank’s UMEED 1000 Cyclothon for girl child education.
• Provided loans to women customers under Financial Inclusion schemes totaling ₹6,469.07 Crore.
• Conducted financial literacy trainings for women customers under ‘Saksham’ and ‘Unnati’ programs.
• Reached 24.37% women participation in the workforce.

Governance Achievements

• Maintained a high Capital Adequacy Ratio (CAR) of 16.45% and Tier I CAR of 15.33%.
• Implemented robust risk management framework and compliance procedures.
• Established a strong ESG committee to oversee sustainability efforts.

Climate Goals & Targets

Environmental Challenges

• COVID-19 pandemic impacting businesses and employment.
• Increased credit risk, operational risk, IT security risks, and online fraud risks.
• Regulatory changes affecting business model and risk appetite.
• Cybersecurity threats due to increased digitization.
• Climate change risks impacting various sectors.

Mitigation Strategies

• Offered loan moratoriums to clients as per RBI guidelines.
• Created a quick response team to manage employee concerns.
• Facilitated working from home for employees.
• Invested in technology, cloud migration, and analytics to enhance efficiency and agility.
• Strengthened information security infrastructure and implemented cyber resilience programs.
• Implemented transaction-level Environmental and Social (E&S) risk assessment.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Developing a Standard for Supplier (SoS) to cover human rights, health and safety, data privacy, and business continuity.

Climate-Related Risks & Opportunities

Physical Risks

• Impairment in services/productivity during project lifecycle due to climate change.

Transition Risks

• Borrowers overly dependent on water or energy, borrowers from sectors facing market pressure due to climate change, supply chain disruptions.

Opportunities

• Financing energy-efficient products like drip irrigation, solar pump sets, and solar home solutions.

Reporting Standards

Frameworks Used: IIRC Integrated Reporting () standard, GRI indicators

Certifications: ISO 9001:2015, ISO/IEC 27001:2013

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Drip/micro irrigation technology
• Solar pump-sets
• Solar home solutions

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Health
• Education
• Livelihood Opportunities
• Financial Inclusion
• Environmental Sustainability
• Employee Well-being
• Ethical Conduct
• Diversity and Inclusion

Environmental Achievements

• Installed 96 kWp renewable energy in 21 rural branches, generating about 150 MWh of solar power, avoiding GHG emissions of 139 tCO2e.
• Sustainable agri-business initiatives promoting micro-irrigation, reducing water and energy wastage.

Social Achievements

• CSR program directly impacted 135,202 beneficiaries in 2020-21 (65.5% women/girls).
• In FY2021-22, invested ₹16.27 Crore in Health, Education, and Livelihood opportunities.
• Approximately 50,355 volunteering hours by RBL Bank employees in FY21-22.
• Financial literacy training programs for rural women.

Governance Achievements

• Implementation of various policies including Compliance Policy, Whistleblower Policy, Anti Money Laundering Policy, etc.
• Board committees oversee compliance with policies.

Climate Goals & Targets

Environmental Challenges

• COVID-19 restrictions impacted paper recycling in FY2021-22.

Mitigation Strategies

• Electronic waste disposed of through authorized vendors.

Supply Chain Management

Responsible Procurement

• Sourcing of goods and services from local vendors.

Climate-Related Risks & Opportunities

Opportunities

• Financing climate-friendly agricultural practices.

Environmental Metrics

ESG Focus Areas

• Financial Inclusion
• Environmental Sustainability
• Employee Well-being
• Responsible Business Conduct

Environmental Achievements

• Reduced GHG emissions by 11% compared to 2021-22 (through initiatives like green buildings, renewable energy adoption, and solar rooftop installations).

Social Achievements

• Implemented various employee well-being measures, including health insurance, accident insurance, and maternity benefits.
• Provided training on human rights issues to 46% of employees.

Governance Achievements

• Established an ESG Executive Committee to oversee sustainability performance.
• Implemented policies covering various aspects of responsible business conduct, including compliance, anti-corruption, and data privacy.

Climate Goals & Targets

Environmental Challenges

• Non-compliance with certain RBI provisions resulting in a penalty.
• Increased energy intensity due to addition of new offices.

Mitigation Strategies

• Corrective actions are underway to address the RBI non-compliance.
• Implementing energy efficiency measures and using renewable energy to reduce energy intensity.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Supplier’s Standard covering responsible business practices, including human rights.

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: BRSR

Certifications: ISO/IEC 27001:2013

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Asia Money Award - India’s best bank for CSR 2021