Climate Change Data

Environmental Metrics

ESG Focus Areas

• Ethical Business Practices
• Corporate Governance
• Lending Activities
• Sustainable and Safe Operations
• Employees
• Stakeholder Inclusivity
• Customers
• Environmental Performance
• Vendors/ Service Providers
• Public Advocacy
• Community Development
• Cyber Security and Information Security

Environmental Achievements

• Implemented initiatives to reduce energy consumption and carbon footprint (including renewable energy sources, energy-efficient lighting and equipment)
• Adopted measures for water management (including recycling and reuse)
• Promoting digitalisation to reduce paper usage
• Considering rainwater harvesting systems

Social Achievements

• Fair and equal employment opportunities
• Training and skill development programs for employees
• Comprehensive suite of financial and non-financial benefits for employees
• Implementation of POSH Act
• Grievance Redressal Mechanism
• Promoting easy and equitable access to financial services to marginalized sections of society

Governance Achievements

• Corporate governance framework compliant with applicable policy/regulatory directives
• Effective oversight by the Board of Directors
• Commitment to highest standards of ethics, corporate governance and regulatory compliance
• Fair, uniform and universal disclosure of unpublished price-sensitive information

Climate Goals & Targets

Environmental Challenges

• Assessing and mitigating environmental & social risks in lending portfolio
• Balancing credit flow to productive sectors with ESG considerations
• Minimizing adverse environmental and social impacts of operations
• Ensuring vendor/service provider adherence to sustainable practices

Mitigation Strategies

• Integrating ESG factors in credit appraisal process
• Developing a comprehensive list of prohibited activities detrimental to environment and society
• Promoting use of sustainable products and services across operations
• Developing framework/code of conduct for vendors/service providers

Supply Chain Management

Responsible Procurement

• Working closely with vendors/service providers to improve ESG performance

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: BRSR (Business Responsibility & Sustainability Report)