Case study: How Zenus Bank promotes a culture of responsible banking among its employees

Stakeholder identification and consultation

Please describe which stakeholders (or groups/ types of stakeholders) you have identified, consulted, engaged, collaborated or partnered with for the purpose of implementing the Principles and improving your bank’s impacts. This should include a high-level overview of how your bank has identified relevant stakeholders, what issues were addressed/results achieved and how they fed into the action planning process.

Zenus Bank proactively consults, engages, and collaborates with key stakeholders to support broader societal objectives. These stakeholders include regulators, investors, clients, strategic partners such as Visa and J.P. Morgan, and the bank’s executive team—all of whom play vital roles in shaping strategy, maintaining compliance, and aligning efforts with long-term sustainability goals.

As the bank expands its services through B2B and B2B2C models, Zenus actively partners with organizations committed to the United Nations Sustainable Development Goals (SDGs). Collaborations with industry leaders like Visa and J.P. Morgan enhance the bank’s ability to deliver secure, globally compliant, and inclusive financial infrastructure, helping partners reach underserved populations worldwide.

Through ongoing dialogue—such as regulatory consultations, investor briefings, client feedback, and industry engagement—Zenus incorporates diverse perspectives that bolster decision-making. This collaborative approach allows the bank to refine its strategies, adapt to emerging challenges, and maximize its positive impact in key areas like financial inclusion, gender equality, and financial health.

By cultivating strong relationships and partnerships, Zenus Bank ensures its growth remains responsible, sustainable, and aligned with society’s evolving needs.

How does Zenus Bank promote a culture of responsible banking among its employees?

In its 2025 PRB Impact Report Zenus Bank reports that it took the following actions to promote a culture of responsible banking among its employees:

Zenus Bank understands that responsible banking starts with people. A culture rooted in integrity, accountability, and sustainability is cultivated at all levels of the organization through clear policies, ongoing training, and transparent communication.

• Values and Conduct: The Zenus Code of Ethics and responsible business policies guide employees in maintaining the highest standards of environmental and social responsibility.
• Capacity Building: Employees in client-facing roles regularly receive training on compliance, ethics, and sustainable finance principles, empowering them to incorporate responsible practices into daily operations.
• Governance and Leadership: The bank’s leadership sets the tone by integrating sustainability into strategic decisions and communicating commitments organization-wide.
• Transparency and Engagement: Zenus Bank openly shares its sustainability commitments via its website and social channels, ensuring employees, clients, and stakeholders understand its priorities. In 2025, the focus areas included gender equality, financial health, and financial inclusion.
• Accountability: Performance frameworks and risk policies support responsible decision-making, ensuring every employee contributes to Zenus Bank’s long-term vision of inclusive and sustainable growth.

Through these initiatives, Zenus Bank fosters a workplace culture where responsibility and sustainability are not isolated efforts but core elements of how the bank operates and serves its clients.

UN Principles for Responsible Banking: Accelerating a positive global transition for people and the planet

With over 300 signatory banks representing almost half of the global banking industry, the Principles for Responsible Banking are the world’s foremost sustainable banking framework. Through these Principles, the banking community takes action to align core strategies, decision-making, lending and investment with the UN Sustainable Development Goals and international agreements such as the Paris Climate Agreement.

FBRH Principles for Responsible Banking (PRB) Assurance:

First class PRB assurance services: The result of solid, hands-on ESG/ Sustainability experience

• • • FBRH is a GRI Certified Training Partner (Global), ISEP Training Centre and a member of CPD.
    • FBRH builds trust. Over 200 reviews from top professionals from around the world demonstrate our ability to build strong, trusting business relationships.
    • FBRH possesses a unique skill set that combines ESG/sustainability certified training, experience in advisory services and report preparation, and ESG/sustainability report assurance.

The combination of all the above empowers FBRH to provide first class Principles for Responsible Banking (PRB) assurance services.

References:

This case study is based on published information by Zenus Bank, located at the link below. For the sake of readability, we did not use brackets or ellipses. However, we made sure that the extra or missing words did not change the report’s meaning. If you would like to quote these written sources from the original please revert to the following link:

https://zenus.com/media/p31djt54/zenus-unep-fi-2025-report_compressed.pdf

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