Annual Report and Financial Statements

The report describes strong 2021 Group performance, including profit after tax of €48.5m and continued strategic execution. It highlights the Bank's circular-economy contribution, with 96% of returned leased assets sold as refurbished equipment in the secondary market. The report also details inclusion, volunteering, ethics and privacy initiatives. Governance disclosures identify climate and environmental risks as part of the broader ESG agenda, while the Bank develops a comprehensive ESG framework.