Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environmental protection
• Preservation and reconstruction of national heritage
• Support for non-governmental organizations and charity campaigns
• Patronage of culture, art, and sport

Social Achievements

• Strengthened position as one of the fastest-growing employers in the IT sector, increasing employment by 308 employees in 2019.
• Popular summer student internship program.

Climate Goals & Targets

Environmental Challenges

• Expected economic slowdown caused by the Covid-19 epidemic.

Mitigation Strategies

• Good financial situation, significant product, industry, and geographical diversification of its offer, and commitment of employees.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: IFRS

Certifications: ISO 13485 (Comarch Healthcare S.A. for medical devices), Class IIa medical device certification for Comarch e-Care platform

Third-party Assurance: BDO Sp. z o.o. sp.k.

Environmental Metrics

ESG Focus Areas

• Employment
• Human Rights
• Diversity Management
• Environmental Protection
• Corporate Social Responsibility
• Ethical Conduct
• Corporate Governance

Environmental Achievements

• Reduced overall CO2e emissions by 1% in Comarch Group (from 18,291 Mg CO2e to 18,150 Mg CO2e)
• Reduced electricity consumption by 7.6% in Comarch S.A.
• Increased heat consumption by 11.7% in Comarch S.A.
• Increased gas consumption by 10.3% in Comarch S.A.
• Installed photovoltaic cells with a total capacity of 64kWp on the roof of SSE7 building, producing over 40,000 kWh of electricity.
• Installed four additional photovoltaic installations with a total capacity of 200 kWp on the roofs of SSE2, SSE3, SSE4 and SSE5 buildings.

Social Achievements

• Increased number of employees to 6,723 in Comarch Group and 5,206 in Comarch S.A.
• Organized a blood donation campaign, collecting 18,900 ml of blood.
• Organized material collections for animal shelters.
• Organized Christmas material collections for people in need.
• Donated several hundred pieces of computer equipment to various organizations.
• Supported the Full Life Foundation with free assistance and e-learning training.
• Organized the 19th edition of Comarch's internship program, with 298 participants and 87% of interns employed afterward.
• Launched a wellbeing program, "Catch the balance", focusing on body, emotions, and healthy lifestyle.

Governance Achievements

• Established a compliance and internal audit function at Comarch S.A.
• Implemented an Export Control System Policy.
• Implemented a Supplier Sustainability Policy.
• Implemented a Policy of Respect for Intellectual Property of Third Parties.
• Implemented an Anti-Corruption Policy and Guidelines.
• Complied with the "Good Practices of WSE Listed Companies 2021"

Climate Goals & Targets

Environmental Challenges

• Risk related to the deterioration of the quality of products and services offered
• Risk related to the occurrence of non-compliance and instability in internal processes
• Risk related to non-compliance with applicable legal and other requirements
• Risk related to establishing cooperation with a counterparty on the Lists of refusals
• Risk related to the negative impact on the environment
• Risk related to energy supply in the future
• Risk related to potentially accidental events
• Risk related to the epidemic situation
• Risk related to the inability to obtain a contract to provide products and/or services for the armed forces
• Risk related to low awareness of employees in the field of IMS
• Risk related to non-compliance with IMS certification
• Risk of disturbances of stability and efficiency of processes within the supply chain
• Risk of establishing cooperation with contractors who do not meet the requirements of the Policy
• Risk related to the insolvency of contractors
• Risk related to non-compliance with legal requirements and internal procedures regarding contractors
• Risk of using unlicensed software for internal needs
• Risk of illegal use of software owned by third parties in Comarch products
• Risk of potential financial and legal claims as well as image losses
• Risk related to non-compliance with legal requirements and internal procedures in the scope regarding respect for intellectual property of third parties
• Risk of violation of ethics, corporate responsibility, respect for human rights and environmental protection
• Risk of discrimination in all its manifestations
• Risk related to non-compliance with the rules of fair competition, prevention of bribery, illegal payments and corruption
• Risk related to non-compliance with legal requirements, international standards regarding human rights and labour standards, internal procedures in the field of ethics
• Risk related to the negative impact on the environment
• Risk of cooperation with contractors who do not meet the requirements of the climate policy
• Risk of incidents related to leaks in refrigeration and air conditioning equipment
• Risk of increased use of energy necessary to power refrigeration and air conditioning equipment
• Risk of failure to meet the assumptions of the "Declaration of Polish Business for Sustainable Development"

Mitigation Strategies

• Implementation of the Integrated Management System (IMS)
• Implementation of the Export Control System Policy
• Implementation of the Supplier Sustainability Policy
• Implementation of the Policy of Respect for Intellectual Property of Third Parties
• Implementation of the Anti-Corruption Policy and Guidelines
• Continuous monitoring and analysis of the Company's activities in the area of climate policy
• Implementation of preventive measures to minimize the negative impact of potential risks and events on Comarch's climate policy
• Implementation of all the guidelines recommended by the Chief Sanitary Inspectorate
• Organized vaccination campaign against Covid-19
• Implementation of waste management procedures
• Cooperation with authorized entities for waste transport and disposal
• Implementation of a procedure for identifying and accessing legal requirements
• Regular assessment of compliance with applicable legal requirements

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Supplier Sustainability Policy
• Ethical standards
• OHS standards
• Human rights

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Risk related to energy supply in the future due to global warming and the EU energy transformation

Opportunities

• Development of energy-efficient products

Reporting Standards

Frameworks Used: SIN (National Non-Financial Information Standards), EU Taxonomy

Certifications: PN-EN ISO 9001:2015, PN-EN ISO 14001:2015, PN-ISO 45001:2018, PN-EN ISO/IEC 27001:2017, PN-EN ISO 50001:2018, EN ISO 13485:2016 (Comarch Healthcare S.A.), ISO 9001:2015 (iMed24 Medical Centre), ISO/IEC 27001:2013 (Comarch S.A.S.), BREEAM Very Good (SSE7 building)

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Computerworld TOP200 (multiple categories)
• Plebiscite of the Product of the Year "IT in Administration"
• Best Digital Transformation Implementation in Thailand
• Pipeline Innovation Awards
• Top CEE Digital Services Provider to Japan award
• Polityka's CSR leaves - White Leaf
• TM Forum Catalyst - Catalyst Award 2020

Environmental Metrics

ESG Focus Areas

• Environment
• Social Responsibility
• Corporate Governance

Environmental Achievements

• Decreased carbon dioxide equivalent emissions by 2.95% (Comarch S.A.) and 2.75% (Comarch Group) compared to 2021 in Scope 1 and Scope 2.
• Increased share of renewable energy from own sources.

Social Achievements

• Continuous improvement of working conditions and increased employee development opportunities.
• Supported diversity and equality, increasing the share of women employed and in managerial positions.
• Effective implementation of an anti-mobbing policy.
• Supported social interests through dialogue with local communities, supporting sport, promoting a healthy lifestyle, undertaking initiatives in culture and education, and popularizing science.
• Provided material help to those in need and supported charity campaigns.
• Organized a COVID-19 vaccination campaign for employees, associates, and their family members.

Governance Achievements

• Strengthened ethical organizational culture through information campaigns and training in ethics and compliance with the law.
• Improved functioning of systems, including compliance management, risk management, and internal control.
• Cooperation for sustainable development with customers and suppliers, committing to complying with ethical principles, respecting working conditions, and meeting social and environmental criteria.
• Maintained dialogue with all stakeholders, providing reliable, timely, and credible information on non-financial data, including TCFD recommendations on reporting climate issues.

Climate Goals & Targets

Environmental Challenges

• War in Ukraine
• Tense international situation
• Price shocks on energy markets
• High inflation
• Rising financing costs
• Risk of deterioration of product and service quality
• Risk of non-compliance and instability in internal processes
• Risk of non-compliance with legal requirements
• Risk of negative environmental impact
• Risk of future energy supply due to global warming
• Risk of accidental events
• Risk of epidemic situations
• Risk of inability to obtain contracts for armed forces
• Risk of low employee awareness of IMS
• Risk of non-compliance with IMS certification
• Risk of disturbances of stability and efficiency of processes within the supply chain
• Risk of establishing cooperation with contractors who do not meet the requirements of the Policy and violate the principles of ethics, social responsibility and environmental protection
• Risk related to the insolvency of contractors
• Risk related to non-compliance with legal requirements and internal procedures regarding contractors
• Risk of using unlicensed software for internal needs
• Risk of illegal use of software owned by third parties in Comarch products
• Risk of potential financial and legal claims as well as image losses
• Risk related to non-compliance with legal requirements and internal procedures in the scope regarding respect for intellectual property of third parties
• Risk of violation of ethics, corporate responsibility, respect for human rights and environmental protection
• Risk of discrimination
• Risk related to non-compliance with the rules of fair competition, prevention of bribery, illegal payments and corruption
• Risk related to non-compliance with legal requirements, international standards regarding human rights and labour standards, internal procedures in the field of ethics
• Risk related to negative impact on the environment
• Risk of cooperation with contractors who do not meet the requirements of the climate policy and violate the principles of environmental protection
• Risk of incidents related to leaks in refrigeration and air conditioning equipment
• Risk of increased use of energy necessary to power refrigeration and air conditioning equipment

Mitigation Strategies

• Good financial situation, significant product, industry and geographic diversification, efficient adaptation to a rapidly changing environment, and high employee commitment.
• Continuous improvement of management quality, increased role of “soft” incentives, increased promotion of physical and cultural activity among employees, increasing awareness of diversity among management and employees, as well as improving suppliers’ management procedures.
• Constant activities to protect the natural environment, investments in own renewable energy sources, and promoting pro-ecological attitudes among employees.
• Implementation of the Integrated Management System (IMS), including ISO 9001, ISO 14001, ISO 45001, ISO/IEC 27001, and ISO 50001.
• Implementation of the Internal Control System Policy.
• Establishment of a compliance and internal audit function.
• Supplier Sustainability Policy.
• Policy of Respect for Intellectual Property of Third Parties.
• Anti-Corruption Policy.
• Code of Conduct.
• Regular internal audits.
• Business continuity plans.
• Continuous monitoring and reacting to information security risks.
• Systematic maintenance and modernization and leak checks of installations containing hydrofluorocarbons (HFCs).
• Production of renewable energy in own photovoltaic installation.
• Ongoing implementation of energy-saving solutions.
• Gradual replacement of combustion vehicles with ones that meet the latest emission standards.
• Increasing employee awareness by promoting ecological values among employees.
• Shortening the supply chain.
• Using public transport - courier companies.

Supply Chain Management

Supplier Audits: 29 suppliers completed questionnaires in 2022

Responsible Procurement

• Supplier Sustainability Policy
• Ethical, anti-corruption, OHS standards, and respect for human rights included in contracts

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Risk related to future energy supply due to global warming and the EU energy transformation

Opportunities

• Development of energy-efficient products

Reporting Standards

Frameworks Used: National Non-Financial Information Standards (SIN), EU Taxonomy

Certifications: ISO 9001:2015, ISO 14001:2015, ISO 45001:2018, ISO/IEC 27001:2017, ISO 50001:2018, ISO 13485:2016 (Comarch Healthcare S.A. and Comarch S.A.), BREEM Very Good (SSE7 building)

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Comarch Smart Metering
• Comarch Smart Lighting

Awards & Recognition

• Partnership Award from ENOC
• Computerworld TOP200 awards
• Pipeline Innovation Awards
• Polish Innovation Award
• Medals of the Mayor of Lublin

Environmental Metrics

ESG Focus Areas

• Human capital
• Diversity and inclusion
• Environmental protection
• Corporate social responsibility
• Ethical conduct

Environmental Achievements

• Investments in renewable energy sources and energy-saving solutions in offices
• Company-wide waste segregation initiatives
• Promotion of pro-climate initiatives among employees

Social Achievements

• Support for refugees from Ukraine
• Patronship of culture, art, and sport
• Support for local initiatives, government, and non-governmental organizations
• Support for healthcare units and charity campaigns
• Donation of computer equipment to schools and organizations
• Sponsorship of sports teams (Cracovia, Śląsk Wrocław, Royale Union Saint-Gilloise, EVZ Zug)
• Organization of the Comarch IT internship program
• Wellbeing program for employees (Catch the balance)

Governance Achievements

• Implementation of an Integrated Management System (IMS) compliant with ISO 9001, ISO 14001, ISO 45001, ISO 27001, and ISO 50001
• Implementation of an Internal Control System
• Implementation of a Supplier Sustainability Policy
• Implementation of a Policy of Respect for Intellectual Property of Third Parties
• Implementation of an Anti-Corruption Policy
• Adherence to the Code of Best Practices for Companies Listed on the WSE

Climate Goals & Targets

Environmental Challenges

• Geopolitical uncertainty (war in Ukraine)
• High inflation
• Investment restraint in the IT sector
• High energy prices
• Unfavorable exchange rates
• Rising operating costs
• Loss of key figures (Prof. Janusz Filipiak, Paweł Prokop)
• Increasing competition
• Staff turnover
• Cybercrime threats

Mitigation Strategies

• Maintaining diversification of operations (industry, geographic, and product)
• Strategic investments in IT security
• Launch of a new Data Center in Phoenix, USA
• Continuous monitoring of the political and economic situation
• Effective management of operational risks
• Adaptation to changing business models
• Maintaining an adequate amount of working capital
• Hedging of interest rate and exchange rate risks
• Continuous improvement of operational efficiency
• Investments in R&D and new products

Supply Chain Management

Responsible Procurement

• Supplier Sustainability Policy
• Ethical principles
• Respect for intellectual property

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: National Non-Financial Information Standards (SIN), EU Taxonomy

Certifications: ISO 9001:2015, ISO 14001:2015, ISO 45001:2018, ISO/IEC 27001:2017, ISO 50001:2018, ISO 13485:2016 (Comarch S.A. and Comarch Healthcare S.A.), ISO/IEC 27001:2013 (Comarch S.A.S.)

Sustainable Products & Innovation

• Comarch Cloud (reducing carbon footprint)
• AI-based solutions (optimizing processes and resource use)

Awards & Recognition

• ITwiz Best 100 (1st place in several categories)
• Computerworld TOP200 (1st place in several categories)
• Pipeline Innovation Awards
• The "IT in Administration" Product of the Year plebiscite
• IDC reports
• Top Brand
• SME Banking Club Award
• Telecom Review Excellence Awards
• BEPOLUX Award
• Banking Tech Awards
• White Letter of the Polityka Weekly