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.

To achieve its goal of backing people to go for it in life and business, it’s key that Aldermore Group constantly focuses on the ways that it can generate greater value for each of its key stakeholder groups. Aldermore Group recognises that its business impacts people differently, depending on who they are, so to deliver on this purpose the Group must ensure it backs people in the right ways to address their needs, while achieving its own growth ambitions.

• Customers: Aldermore Group places customers at the core of decision-making. The organization aspires to help them find the right solutions to achieve more in life and business, with the confidence of being supported by a company that champions them when others may not.
• Employees: Employees are regarded as the foundation of Aldermore Group’s success, and the organization endeavours to establish a clear value exchange. It offers excellent benefits, positive working environments, and development opportunities, while clearly communicating expectations in return.
• Distribution partners: Aldermore Group provides products and services to brokers and intermediaries, working closely together to understand their requirements and those of their clients.
• Dealers: The Group delivers products and services to support dealer businesses, ensuring dealer finance remains vibrant and sustainable in an evolving market.
• Society: Aldermore Group leverages its key strengths and capabilities to drive impactful change where it can make the biggest difference to society.
• Investors: The organization aims to generate sustainable returns by focusing on long-term growth in four of the most attractive markets within UK banking.
• Regulators: Aldermore Group maintains regular, open, and transparent dialogue to ensure alignment with evolving regulatory priorities. For more details on Aldermore Group’s stakeholders, please see its annual report.

As the UK macroeconomic environment remains volatile, Aldermore Group recognizes that the needs of its stakeholders are evolving rapidly. Aldermore Group’s refreshed strategy, introduced in 2022, was designed to modernize and focus the business, ensuring continued relevance for stakeholders.

This strategy outlined a focus across four key divisions: property finance, motor finance, business finance, and savings.

Aldermore Group maintains regular dialogue with all stakeholders to ensure that its strategies, plans, and business objectives continue to positively impact each group and address the needs of its identified stakeholders. Additionally, Aldermore Group placed extra focus on the needs and perspectives of key stakeholders as part of its materiality assessment, incorporating their views throughout the process and utilizing these insights to develop a supportive action plan. This plan will be integrated into enterprise-wide strategic initiatives, including business strategy and sustainability efforts.

Aldermore Group is also part of numerous ecosystems across various industries, which enable the organization to gain insights and share best practices with communities and industry peers. Such collaboration consistently empowers Aldermore Group to achieve better outcomes for its stakeholders. The organization recognizes that partnering with other organizations can amplify its impact and help deliver results in areas that matter most.

Aldermore Group is actively engaged with several industry bodies, including:

• UK Finance
• Finance & Leasing Association (FLA)
• Intermediary Mortgage Lenders Association (IMLA)
• Banking Standards Board

Aldermore Group is also a signatory or member of:

• The Women in Finance Charter
• Race to Work Charter
• The Mindful Business Charter
• United Nations Environment Programme Finance Initiative Principles for Responsible Banking
• The Purpose Coalition
• Business in the Community
• Progress Together

How does Aldermore Group promote a culture of responsible banking among its employees?

In its 2025 PRB Self-Assessment Report Aldermore Group reports that it took the following actions to promote a culture of responsible banking among its employees:

In 2024, Aldermore Group took further steps to actively foster a culture of responsible banking across the organization, recognizing that engaged and informed colleagues are essential to achieving its ambitions. Throughout FY24, Aldermore Group has promoted this engagement through various initiatives, including the following:

– Integrating the delivery of key ESG and sustainability priorities into the Group’s non-financial remuneration scorecard to support Aldermore Group’s goals of positively impacting climate change, financial wellbeing, financial inclusion, and economic transformation.

– Launching the organization’s first colleague training programme on sustainability, with mandatory training introduced for all colleagues to establish foundational themes and demonstrate how they support the corporate strategy and purpose. Additionally, following a two-year partnership with learning and development specialist Attain, a customised, specialist training module was launched for 207 mid-to-senior leaders on sustainable finance and the influential role responsible banks can play in broader society.

– Recognising the importance of increasing ethnic diversity within financial services and supporting individuals in their success, Aldermore Group is proudly committed to the Race at Work Charter and sponsors the 10,000 Black Interns scheme, welcoming its second cohort in summer 2024. Furthermore, the organization developed and launched its first ‘Embrace Your Future’ programme, providing 22 participants across the business with opportunities for career development through structured learning and mentorship.

 

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 Aldermore Group, 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://www.aldermore.co.uk/media/ttpjnrin/aldermore-group-principles-for-responsible-banking-2025.pdf

Note to Aldermore Group: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

ADIB consistently maintains transparent and ongoing communication with its key stakeholders, promoting constructive dialogue to identify areas of significant impact and material topics that are relevant to the bank.

ADIB’s Double Materiality Assessment serves as the primary method for stakeholder engagement with regard to impact and materiality. Through this process, stakeholders such as staff, senior management, the Board of Directors, customers, suppliers, and community members were identified.

Beyond this assessment, ADIB’s stakeholder management approach involves continuous engagement with the bank’s key stakeholders, recognizing their vital role in shaping ADIB’s strategic direction. ADIB identifies key stakeholders as those most affected by its operations and those with the greatest influence over the bank’s operations, including management, investors, customers, employees, partners, communities, and regulators. To facilitate effective engagement, ADIB employs multiple channels to proactively communicate, enabling the bank to understand, address, and respond to their concerns and interests. Insights obtained from these interactions are vital in understanding the ESG factors material to ADIB’s operations, guiding the development and implementation of initiatives aligned with stakeholder expectations and promoting sustainable growth.

In addition, ADIB’s sustainability performance has been recognized by external ESG rating agencies, notably with an AA MSCI ESG rating that highlights its strong ESG risk management and performance. This external assessment also affirms the quality and transparency of ADIB’s public disclosures.

Details of ADIB’s overall stakeholder management approach, which enables ADIB to maintain a principled approach to banking and improve its impacts, can be found below:

Stakeholder	Commitment	Engagement mode
Shareholders	ADIB provides timely and detailed disclosures to enable investors to make informed investment decisions.	• Quarterly result briefings • Investor conferences • One-on-one and group meetings with over 250 investors, conducted • AGM • Annual report • Investor relations app
Customers	ADIB interacts with customers to better understand their evolving needs so that it can provide the right financial Shari’a compliant solutions for them.	• Multiple service channels, including digital banking, call centres and branches • Regular engagements via relationship managers and customer Majles • Active interaction and prompt follow-up to queries/ feedback received via social media platforms • Regular satisfaction surveys • Customer Mail, to facilitate dialogue between customers from all segments and the senior bank executives to directly engage in dialog and share their feedback
Staff	ADIB communicates with its staff via multiple channels to ensure that its employees feel connected and informed. Their opinions on material topics of sustainability are also essential to understand the impact, risks and opportunities of the topic on the business. This will play a pivotal role in shaping ADIB’s ESG strategy.	• Internal communications where employees have an open discussion with the GCEO • Group-wide town hall hosted by the GCEO • Regular department events held by senior management • Annual “My Voice” Employee Engagement survey • Employee newsletter • Employee WhatsApp group • Mailer and intranet
Community and partners.	ADIB is committed to engaging with the community and partners to better understand the role it can play in addressing societal needs and gaps.	• Regular events and conversations with Businesses and community partners to understand the social landscape and how ADIB can partner to create impact. • Connection with government bodies and associations • Community engagement and partnerships within the public • Free financial literacy programmes
Regulators	ADIB strives to be a good corporate citizen and advocate by providing input to and supporting the implementation of relevant local and global laws, regulations, guidelines, and public policies.	• Regular engagement sessions with regulators and government bodies • Sharing insights and providing feedback to regulators • Actively participating in regulatory working groups, committees or forums • Actively participating in local, regional, and international industry forums on financial regulation • Actively responding to, or providing feedback on Consultation Papers, draft regulations or guidelines, or policy statements or papers

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

In its 2024 PRB Responsible Banking Progress Statement ADIB reports that it took the following actions to promote a culture of responsible banking among its employees:

ADIB is dedicated to integrating responsible banking principles into its organizational culture, ensuring that employees at every level understand their role in achieving positive environmental, social, and governance (ESG) outcomes.

Capacity Building and ESG Training

Mandatory ESG Training: All staff participate in comprehensive ESG training modules as part of ADIB’s mandatory learning program, with a completion rate exceeding 90%.

Specialist Training for Key Functions: ADIB provides targeted, specialized training to strengthen expertise within critical business units, including compliance, risk management, and frontline teams. Key topics covered include:

• ESG Investing
• Sustainable Finance
• Green Financing
• ESG & Climate Risk and Stress Testing
• Sustainable Procurement
• Net Zero Banking & the Circular Economy

These programmes enhance technical skills and embed sustainability considerations into product development, investment decisions, procurement, and risk management processes.

Leadership Communication and Strategic Alignment

Sustainability is a fundamental organizational priority, reinforced through the “Sustainable Future” pillar in ADIB’s corporate strategy. Executive leaders regularly communicate sustainability goals and performance expectations, ensuring alignment with the bank’s long-term vision and the Principles for Responsible Banking. Additionally, ADIB’s governance framework encourages leadership dialogue on ESG and sustainability issues, solidifying the bank’s commitment to responsible banking. The ESG Management Committee and ESG Board Committee provide strategic guidance and leadership communication to prioritize sustainability across all levels of the organization.

Integration into Performance Management

ADIB has incorporated sustainability KPIs into its balanced scorecards to promote accountability and performance:

Bank-wide: The Sustainable Future strategic pillar cascades into divisional objectives, aligning all units with ESG priorities.

Business Units: Under ADIB’s Sustainable Finance Strategy for 2030, financial KPIs are embedded into business unit scorecards to support its AED 60 billion sustainable finance target by 2030. Annual financial targets are established and monitored to track progress toward this goal.

Through mandatory training, targeted capability development, leadership engagement, and integration into performance and reward systems, ADIB fosters a deeply ingrained culture of responsible banking that supports the effective implementation of the UNEP FI Principles for Responsible Banking.

 

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 ADIB, 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://www.adib.ae/-/media/project/adib/adibsite/docs/esg-and-sustainability/disclosures/prb-progress-statement-2024.pdf

Note to ADIB: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

Aiyl Bank actively seeks feedback from its stakeholders and is committed to responding to their concerns promptly and accurately. The bank believes that this engagement provides valuable insights, aids in managing risks and opportunities, and is vital for its long-term sustainability.

Engagement with Clients

Aiyl Bank is dedicated to placing its clients at the core of all its activities. The bank’s complaint management system enables it to swiftly identify and resolve issues, reinforcing its commitment to customer satisfaction and consumer protection.

Interaction with Institutional and Regulatory Bodies

In 2024, Aiyl Bank proactively engaged with regulators and government entities to promote sustainable finance in the Kyrgyz Republic. The bank contributed to discussions on establishing a framework that supports the transition to a low-carbon economy. This included participating in the development of the Kyrgyz Republic’s Green taxonomy and a Roadmap for sustainable finance, as well as implementing ESG principles within the banking sector to meet the needs of all stakeholders.

Engagement with Investors

Recognizing the growing emphasis on environmental, social, and governance (ESG) factors among investors, Aiyl Bank has strengthened its relationships with external analysts and ESG rating agencies. The bank understands that strong ESG ratings and scores are essential for attracting sustainable investments and shaping investment strategies.

How did Aiyl Bank identify and work on strategic business opportunities to increase positive and reduce negative impacts?

In its 2024 PRB Responsible Banking Progress Statement Aiyl Bank reports that it identified and worked on strategic business opportunities to increase positive and reduce negative impacts as follows:

Aiyl Bank is dedicated to generating a positive social impact. As a social actor, Aiyl Bank supports its clients and communities in building a more sustainable, inclusive, and equitable society. To date, the bank’s green portfolio amounts to $11 million, with plans to expand it further by establishing specific ESG targets for its lending activities, investment products, and sustainable bonds. Beyond providing financing, Aiyl Bank is planning to educate clients and stakeholders on ESG topics and their role in environmental protection.

To preserve and enhance the environment, as well as to offer financial support to entrepreneurs engaged in producing environmentally friendly products and processing raw materials without harming nature, Aiyl Bank allocated KGS 1 billion (USD 11.5 million) for the “Green Technology Financing” loan product.

Purpose of the loan:

• Green transportation
• Renewable energy
• Energy efficiency, reduction of energy consumption and/or technical losses
• Green buildings
• Improvement of air quality
• Sustainable water use and waste management
• Sustainable agriculture

The KGS 1 billion allocation represents only about 2% of the bank’s total portfolio. Many previous loans can be verified as ‘green’ loans, including investments in stable nursing systems, purchase of pedigree animals, drip irrigation systems, and other agricultural initiatives. However, the lack of an internal verification system and the absence of a national green taxonomy in 2024 made it challenging to determine the exact size of the green portfolio. Aiyl Bank plans to verify its green portfolio by engaging third-party evaluators.

The “Green Technology Financing” product was developed based on the internal green taxonomy of the State Development Bank of the Kyrgyz Republic.

 

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 Aiyl 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://abank.kg/guarddog/laravel-filemanager/files/shares/responsible-banking-progress-statement-aiyl-bank-eng.pdf?_gl=1*ze7znv*_ga*MTc0ODc4Njk5Mi4xNzczMzg1MzQ2*_ga_KWR4S1MY5X*czE3NzY3NTI0ODIkbzIkZzEkdDE3NzY3NTI0ODYkajU2JGwwJGgw

Note to Aiyl Bank: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

KBank adopts a comprehensive strategy for stakeholder identification by assessing the financial and Environmental, Social, and Governance (ESG) impacts of its business activities across the entire value chain. This analysis examines the influence of stakeholders on the bank’s operations and vice versa. Stakeholders identified include shareholders, the Board of Directors, employees, regulatory agencies, customers, business partners and counterparties, competitors, creditors, communities, the environment, and society. Insights gained from stakeholder engagement, especially their perspectives, highlight weather conditions as a significant material issue within the environmental domain.

To support sustainable development, KBank partners with various organizations through several key initiatives:

United Nations Global Compact (UNGC):
KBank is a member of UNGC, aligning its business practices with internationally recognized principles related to human rights, labor standards, environmental responsibility, and anti-corruption measures.

Partnership for Carbon Accounting Financials (PCAF):
As a signatory to PCAF, KBank helps develop standards for measuring and disclosing greenhouse gas (GHG) emissions associated with its financed loans and investments.

ThaiCBN (Thailand Climate Business Network):
Initiated by KBank, ThaiCBN aims to foster collaboration among the private sector, government agencies, state-owned enterprises, financial institutions, and academia within Thailand. The network’s goal is to build a Climate Action Ecosystem by developing essential knowledge infrastructure, standards, and collaborative models that promote tangible and sustainable GHG reductions across all sectors in the country.

Major ThaiCBN initiatives in 2025 include:
• Launching a pilot project for converting food waste into Biomethane in Chiang Mai Province, involving participation mechanisms for users, collectors, and processors.
• Assisting SMEs across the supply chain to implement systematic GHG management through the development of an educational e-Handbook and by organizing the “Earth Jump” activities.

How did KBank identify and work on strategic business opportunities to increase positive and reduce negative impacts?

In its 2025 Sustainability Report KBank reports that it identified and worked on strategic business opportunities to increase positive and reduce negative impacts as follows:

While the business sector and many nations aim to achieve Net Zero and transition towards a society powered by renewable and clean energy, along with adopting technologies to improve energy efficiency and reduce greenhouse gas emissions, the financial requirements to reach these targets continue to grow.

KBank has established its strategic priorities and introduced the “3+1 & Productivity Strategy” as its strategic framework. KBank’s focus is on revitalizing credit performance, expanding its capital-efficient fee-based income streams, and strengthening and innovating sales and service models to deliver value-driven outcomes.

Furthermore, the bank is committed to becoming a leader in ESG among Southeast Asian banks by guiding customers and businesses in Thailand towards an economic system that supports sustainable growth through ongoing and concrete actions to achieve the Net Zero goal. These initiatives include transforming KBank’s operations, helping customers develop capabilities and adapt to more environmentally friendly business practices, offering sustainable credit and investment products, and expanding services beyond traditional financial solutions to facilitate easier access to greener lifestyles.

A range of products designed to support these efforts is detailed in KBank’s Sustainability Report 2025 on pages 123 and 130.

 

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 KBank, 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://www.kasikornbank.com/en/sustainable-development/SDAnnualReports/y2025-sd-en.pdf

Note to KBank: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

In previous years, BanBajío carried out both internal and external analyses to identify and prioritize its stakeholders. Notably, in 2021, the bank conducted a double materiality assessment by consulting external stakeholder groups to identify key issues that could pose risks or opportunities for the bank, considering both environmental and social impacts together with the financial implications for the institution.

As of 2024, the stakeholder prioritization and double materiality analysis have not yet been updated to incorporate the application of the Principles for Responsible Banking (PRBs) or to focus on reducing negative impacts while enhancing positive ones. However, updates to these analyses are planned for future reports.

Drawing from these analyses, BanBajío’s stakeholders—including individuals and entities with direct or indirect influence on, or those impacted by, the bank’s activities—are as follows:

• Employees
• Shareholders and investors
• Rating agencies
• Suppliers
• Authorities
• Regulatory bodies
• Competitors
• The financial sector
• Media
• Academia
• Allies and civil society organizations
• The broader community

BanBajío uses various communication channels with these stakeholders, such as the website, integrated reports, social media platforms, internal communication tools (newsletters, emails, meeting minutes), face-to-face interactions (meetings, forums, breakfasts), video calls, confidential channels (01800 numbers and email), telephone, and traditional media, among others, tailored to each stakeholder group.

Additionally, BanBajío has a Code of Conduct that sets out the values and principles guiding relationships among the bank’s employees and with external agents, including customers and consumers.

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

In its 2024 PRB Responsible Banking Progress Statement BanBajío reports that it took the following actions to promote a culture of responsible banking among its employees:

In 2024, Banco del Bajío provided training on A&S risk management for select members of the Credit Analysis and Business departments, who will be involved in the upcoming implementation of the new ESMS. These sessions aimed to deliver the essential guidelines for applying A&S risk exclusion, categorization, assessment, and management tools within the bank’s lending activities. Additionally, the potential adoption of Mexico’s Sustainable Taxonomy was discussed collaboratively with the Risk, Credit Analysis, and Business teams.

Furthermore, there are plans to train the front-line staff of the General Directorate on key ESG issues, with a particular emphasis on climate change, as this area of impact has been identified as significant for the bank in terms of both risks and opportunities related to climate management.

 

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 BanBajío, 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://www.bb.com.mx/cs/BanBajio/home/Inversionistas/Sustentabilidad/PRB_Responsible-Banking-Progress-Statement-2024.pdf

Note to BanBajío: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

Kyushu Financial Group emphasizes open dialogue and collaboration with its stakeholders to foster sustainable local communities. As a regional financial institution based in Central and Southern Kyushu—primarily in Kumamoto, Kagoshima, and Miyazaki Prefectures— Kyushu Financial Group is strengthening its relationships with local governments and businesses, fulfilling its responsibilities as a financial partner committed to working alongside the community.

• Establishing partnership agreements with municipalities for local revitalization
• Forming partnership agreements with local companies
• Engaging in domestic and international initiatives

How does Kyushu Financial Group promote a culture of responsible banking among its employees?

In its 2025 PRB Responsible Banking Progress Statement Kyushu Financial Group reports that it took the following actions to promote a culture of responsible banking among its employees:

In its Sustainability Declaration, Kyushu Financial Group has declared its support for the United Nations’ Sustainable Development Goals (SDGs) and that all officers and employees will actively work toward these objectives. Additionally, Higo Bank and Kagoshima Bank within the Group have developed their own Overall Sustainability Concepts, clearly communicating to all employees their vision to contribute to community sustainability through their financial activities. To cultivate a responsible banking corporate culture, Kyushu Financial Group provides training and educational sessions for all officers and employees. These include distributing internal videos to enhance understanding of the SDGs, conducting human rights awareness training, encouraging staff to obtain qualifications related to SDGs and ESG finance, and offering financial incentives to employees who successfully earn such qualifications.

 

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 Kyushu Financial Group, 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://www.kyushu-fg.co.jp/english/assets/pdf/csr/initiative_prb_01.pdf

Note to Kyushu Financial Group: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

In addition to ongoing engagement with all stakeholders, FinecoBank has conducted targeted engagement activities with a select group of key stakeholders to identify the material impacts, risks, and opportunities related to sustainability. The stakeholders involved for this purpose include:

• Management (internal stakeholders)
• Personal Financial Advisors (PFAs) (internal stakeholders)
• Financial investors (external stakeholders)

Internal stakeholders participated as follows:

• Management through regular meetings within the activities of the Internal Sustainability Management Committee, composed of top management and heads of various bank departments, supported by the Sustainability Structure and the Chief Risk Officer.
• PFAs through two dedicated workshop sessions.

External stakeholders, specifically financial investors, were engaged via one-on-one meetings supported by the Sustainability Structure and Investor Relations team.

FinecoBank also updated its list of stakeholders within the value chain, categorizing them based on their position (upstream, own operations, downstream), the nature of their relationship with the bank (operational, commercial, strategic), and their role within the bank’s ecosystem.

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

In its 2024 PRB Responsible Banking Progress Statement FinecoBank reports that it took the following actions to promote a culture of responsible banking among its employees:

FinecoBank’s Group-wide culture of compliance and integrity is essential for being recognized as a trustworthy partner by all stakeholders. It is crucial to ensure adherence to laws and regulations, to uphold fair business practices, and to effectively manage risks.

This commitment to a compliance culture applies to all employees, members of the executive, strategic, and control bodies, as well as Personal Financial Advisors and third parties such as suppliers, business consultants, and related agents.

FinecoBank has adopted a Code of Ethics that sets out rules designed to ensure that the conduct of all recipients is consistently guided by principles of fairness, cooperation, loyalty, transparency, and mutual respect.

At the Group level, the “Charter of Integrity, Code of Conduct, and Compliance Culture” policy defines: (i) the principles and values that Group companies aim to uphold in their operations, including the rights, duties, and responsibilities towards all stakeholders, which serve as guiding principles for corporate decisions and conduct and form the foundation of the Group’s corporate culture; and (ii) the common principles and guidelines aimed at establishing, promoting, and supporting a culture of compliance as an integral part of the Group’s values, reinforcing behaviours that conform to applicable rules, regulations, processes, ethical standards, and sound business practices.

 

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 FinecoBank, 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://images.finecobank.com/docs/pdf/pub/corporate/sostenibilita/responsible-banking-progress-statement-2024-en.pdf

Note to FinecoBank: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

Monex strives to create value for all its stakeholders and places great emphasis on maintaining strong relationships and encouraging active participation in the bank’s activities and decision-making processes. To support this commitment, Monex has conducted an internal analysis to identify and prioritize its stakeholders. In identifying these stakeholders, Monex has considered all individuals and entities that may be affected by its operations or influence its business. Additionally, a linkage plan has been established to determine the appropriate communication channels and frequency of contact, ensuring ongoing, effective dialogue with each stakeholder group. The value proposition, commitments, and main communication channels for each stakeholder group are outlined by Monex as follows:

– Employees

– Customers

– Shareholders, investors and other capital suppliers

– Authorities and regulatory bodies

– Suppliers

– Competitors and trade associations

– Community

Regarding the implementation of the PRB and the identification and enhancement of the bank’s impacts, Monex has maintained ongoing engagement with its stakeholders. In 2023, a collaborative exercise was conducted with a third-party consultant to align the material topics identified for the ESG Strategy, ensuring that each PRB is adequately addressed through the strategy and its initiatives.

Stakeholder consultation was essential in completing the materiality analysis and, consequently, in shaping the development of the ESG strategy.

For the materiality analysis, an initial set of priority topics was identified using sources such as the ABM Sustainability Protocol, GRI’s materiality guidelines, UNEP-FI’s Principles of Responsible Banking and Investment for sector-specific topics, as well as FAQs from investors and analysts.

Following the standards set by the Global Reporting Initiative (GRI), a comprehensive bibliographic review was conducted, involving surveys and interviews with collaborators, suppliers, major shareholders, trade organizations, and financial sector entities to explore these predefined topics. This process helped prioritize the topics accordingly. In addition, client perspectives were incorporated through feedback from those responsible for client engagement at Monex, while internal strategic insights were gathered through interviews with key Group directors. By integrating the views of key stakeholders with senior management’s perspectives, Monex was able to determine its material topics (impact materiality).

For financial materiality, topics outlined by the Sustainability Accounting Standards Board (SASB), supported by FTSE and S&P guidelines, were considered.

Similarly, to identify impact areas, various sections of the bank were consulted using UNEP-FI tools to gather the necessary information.

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

In its 2025 PRB Responsible Banking Progress Statement Monex reports that it took the following actions to promote a culture of responsible banking among its employees:

To foster a culture of responsible banking among its employees, Monex has integrated its business operations with the ESG Strategy and employs various communication channels to promote sustainability and share vital information about its implementation.

Monex has established a series of coordinated initiatives to disseminate information and raise awareness about ESG issues broadly, as well as specific sustainability topics across different departments and services. This includes sharing information through established corporate communication platforms such as the internal sustainability microsite, specialized training programs, ESG newsletters, and other digital materials. Additionally, Monex recognizes the importance of building capacity among all employees regarding responsible banking and broader sustainability challenges.

As part of its Sustainability strategy, Monex aims to enhance ESG awareness and knowledge among employees to strengthen their capabilities in these areas.

In 2025, senior management participated in training sessions on key aspects of Sustainable Finances, SARAS, and Taxonomies conducted by a consulting firm. These sessions aimed to familiarize them with the tools being developed at both national and international levels within the financial sector for sustainable finance.

In 2024, industry training programs organized by ABM focused on Gender Equality, Sustainable Finance, and ESG Criteria. Over 2,300 employees were trained to raise awareness of inclusive leadership with an emphasis on gender, support the transition to sustainable finance, and strengthen the sustainable credit portfolio.

Monex is currently evaluating the feasibility of adopting the Women’s Empowerment Principles (WEPs).

Monex also has a Compensation Committee responsible for implementing and maintaining the remuneration system. This committee proposes remuneration policies and procedures, recommends employees for inclusion in the remuneration system, and brings special cases and circumstances to the Board of Directors for approval. Currently, there are no specific remuneration practices linked to sustainability, but Monex plans to assess how to incorporate sustainability objectives into its remuneration practices in the future.

Additionally, as part of its Corporate Social Responsibility efforts, Monex actively participates in initiatives centred on social and environmental issues, guided by the following pillars:

• Community development
• Education
• Sports – Support for Cycling
• Mexican film industry
• Social research
• Volunteering
• Reforestation and marine life conservation efforts
• Carbon footprint measurement of operations

For further information, please refer to the Corporate Social Responsibility chapter in Monex’s Executive Annual Report 2024.

 

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 Monex, 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://www.monex.com.mx/portal/download/files/Monex 2025 PRB_Responsible-Banking-Progress-Report.pdf

Note to Monex: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

Regular stakeholder engagement is a key part of Helaba’s materiality assessment process. To effectively identify stakeholders, Helaba employs a systematic approach, evaluating both their impact on its activities and its impact on them. The feedback and insights Helaba obtains from this engagement are crucial to its action planning process, ensuring that the sustainability initiatives align with stakeholder expectations and industry best practices. Furthermore, the bank’s Code of Conduct ensures responsible interaction with all stakeholders.

Helaba prioritises active engagement with customers to understand their needs and expectations, especially regarding sustainable finance and ESG-related products. As an active promoter of a sustainable transition, Helaba’s Capital Markets Conference enabled the bank to explore sustainable capital market financing solutions and the application of digital innovation in the financial sector with its clients.

Additionally, Helaba is in continuous communication with regulators and policymakers to stay informed about evolving sustainability regulations and ensure adherence to these standards. Partnering with nongovernmental organisations provides the bank with key insights into societal expectations and emerging sustainability trends. Helaba’s active participation in several industry associations enables the bank to contribute to the development of best practices and industry standards through collaborative efforts.

Moreover, Helaba provides regular updates on its business performance to the Supervisory Board, which holds the highest-ranking control function within the organisation. The Supervisory Board includes representatives from employee groups, political entities and the business sector, ensuring comprehensive oversight of Helaba’s operations.

Helaba also actively engages with its own employees regarding sustainability, focusing on topics such as circularity, biodiversity, and climate change. Through a comprehensive training programme, Helaba enables its employees to properly assess sustainability-related opportunities and risks. This in-depth knowledge also helps the bank’s front-office units to work more closely with customers.

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

In its 2025 PRB Reporting and Self-Assessment Template Helaba reports that it took the following actions to promote a culture of responsible banking among its employees:

Helaba considers its employees to be essential in promoting responsible operations, reflecting the bank’s commitment to sustainability and supporting customers in their ongoing journey toward greater sustainability. Dedicated to continuous training and professional growth, Helaba makes significant investments in developing its workforce.

In the 2021 financial year, Helaba launched tailored training programs to give employees a foundational understanding of sustainability within the bank’s business context. By 2023, these programs had been expanded to include additional advanced modules on specialized topics. The courses provide a thorough overview of key sustainability and sustainable finance concepts, including climate change, biodiversity, circular economy, and ESG reporting. As of December 31, 2023, 3,253 Helaba employees had completed the online training, and approximately 140 individuals, primarily from front-office units, participated in the more intensive ESG master classes.

Helaba has also launched an online training module dedicated to information security and data protection, which all employees are required to complete annually. This training offers insights into cyber threats, data protection principles, and procedures for handling data subject requests and data breaches, ensuring employees recognize the significance of these issues. Regular education on information security and data protection fosters responsible behaviour in daily business activities, highlighting its vital role in responsible banking.

Furthermore, Helaba has adopted a corporate citizenship strategy that promotes community engagement across the bank and its subsidiaries, including social volunteering initiatives. The bank actively encourages employees to participate in environmental and social projects by providing up to two days off per year for volunteering. Helaba seeks to expand its social volunteering efforts within the Group, and aimed for at least 1,000 volunteer days annually by 2025, in partnership with its employees.

 

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 Helaba, 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://www.helaba.com/media/docs/int/sustainability/prb-reporting-and-self-assessment_helaba2025.pdf

Note to Helaba: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.

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.

IKB’s approach to sustainability communication centres on regular, active, and continuous engagement with its stakeholders. The bank’s main stakeholders comprise customers, creditors, owners, employees, supervisory authorities, the general public, rating agencies, and media representatives. It keeps in close contact with institutional bond investors via its Investor Relations team, through one-on-one meetings and investor calls. During the reporting period, the bank worked closely with internal stakeholders to prepare for the CSRD.

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

In its 2024 PRB Reporting and Self-Assessment Template IKB reports that it took the following actions to promote a culture of responsible banking among its employees: [

IKB is dedicated to promoting diversity and inclusion, guided by commitments such as signing the Diversity Charter, complying with German laws like the General Equal Treatment Act, and adhering to its own Code of Conduct. The bank communicates its environmental and sustainability initiatives to employees through various channels, including the intranet and the ESG podcast.

Furthermore, specialists in sustainable finance receive targeted training, and introductory courses on a broad range of ESG topics are offered as needed. Members of the Management Board and Supervisory Board also receive both internal and external ESG training.

IKB’s journey toward sustainability is an ongoing, comprehensive process that continuously evolves to meet new challenges. Sustainable human resources management plays a vital role in fostering a cultural shift that the bank actively supports. This cultural change is crucial for the bank’s long-term success and survival, making the sustainable orientation of human resources work a key strategic priority. The bank’s human resources development strategy is aligned with its corporate strategy, with the aim that employees feel connected to IKB, its values, and its strategic direction.

 

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 IKB, 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://www.ikb.de/resource/blob/13078/e77eff72ca30f29bb5ba6988c60fba19/unprb-reporting-2024-eng-data.pdf

Note to IKB: With each case study we send out an email requesting a comment on this case study. If you have not received such an email please contact us.