Annual Report

The report describes the company's 2023 dual materiality analysis, operational GHG emissions of 2,317 tons CO2e, and a Net Zero by 2050 commitment with a 60% reduction target for internal-management emissions by 2030. It also presents a broad sustainable-finance offer, EU Taxonomy eligibility and alignment metrics, and initiatives supporting communities, financial inclusion and renewable-energy lending. Employee disclosures report 4,136 year-end employees and average training of 40 hours per employee.