Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance

Environmental Achievements

• Launched a green finance offering under the My Partner Bank brand for real estate professionals, focusing on projects that reduce energy consumption or CO2 emissions.
• Head office and main subsidiaries located in Europlaza tower, certified to the High Environmental Quality (HEQ) standard.
• Encouraged staff to opt for hybrid and electric vehicles.

Social Achievements

• Commitment to promoting gender equality, with women representing 51% of the Group’s executives.
• My Money Bank scored 90 points out of 100 in the “Equality and Remuneration” index.
• Launched the “ELLE by MMG” program to improve gender equality.
• Signed a company agreement to promote pay convergence between women and men.

Governance Achievements

• Implemented a dual governance system with an independent Board of Directors.
• Increased Board diversity with three women and four men of four different nationalities.
• Regular discussions with staff representative bodies (CSE) and trade union representatives.

Climate Goals & Targets

Environmental Challenges

• COVID-19 pandemic and its impact on business operations and customer needs.

Mitigation Strategies

• Implemented remote working measures, ensuring operational continuity.
• Granted nearly 10,000 moratoriums to support customers affected by the economic slowdown.
• Adapted premises to health requirements upon staff return to offices.

Supply Chain Management

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• Green finance offering

Environmental Metrics

ESG Focus Areas

• Committed employer
• Ethical partner
• Climate player
• Innovative lender

Environmental Achievements

• Reduced electricity consumption from 1,696,154 kWh in 2021 to 1,552,465 kWh in 2022, resulting in a decrease in CO2 emissions from 893 tonnes to 651 tonnes.
• Implemented electronic signature system, reducing paper and ink consumption.
• Introduced a vegetarian meal option in the company restaurant to reduce meat consumption.
• Signed the Ecowatt charter in December 2022.

Social Achievements

• Launched My Climate School, an online training course on climate change and sustainable development.
• Organized climate mural workshops.
• Created My Green Team, a community promoting environmental awareness.
• Created Mix My Group, an initiative promoting diversity and inclusion.
• Launched My Feel Good program to promote employee well-being.
• Increased employee participation in SuperMood survey to 54%.

Governance Achievements

• Established an ESG committee in late 2021.
• Created a CSR/Sustainability department in 2022.
• Implemented procedures to fight corruption.
• Strengthened data protection system.
• Improved IT security measures.

Climate Goals & Targets

Environmental Challenges

• Attracting and retaining talent in a competitive industry.
• Maintaining compliance with evolving regulations.
• Adapting to the digitization of the banking industry.
• Addressing climate change and its impact on business operations.
• Managing cybersecurity risks.

Mitigation Strategies

• Implemented an ambitious training policy.
• Established a legal monitoring system.
• Invested in information system modernization and digitization.
• Measured and reduced carbon footprint.
• Strengthened risk mitigation measures for IT security.

Supply Chain Management

Responsible Procurement

• Code of conduct sent to and signed by suppliers.

Climate-Related Risks & Opportunities

Physical Risks

• Extreme climate events in overseas locations.

Opportunities

• Green financing opportunities.

Reporting Standards

Frameworks Used: ISO 26000

Certifications: NF HQE

Third-party Assurance: KPMG S.A.

Sustainable Products & Innovation

• Green financing offer for real estate professionals.
• Financing for electric and hybrid vehicles.