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.

Hana Financial Group aims to go beyond traditional finance by connecting future values through its new vision of ‘One Finance for All’ for ‘Next 2030’. The Group is committed to practicing finance that fosters mutual growth and shared happiness through voluntary communication and participation, guided by the Principles for Responsible Banking. Hana Financial Group considers customers, employees, partner companies, central and local governments, shareholders, investors, and local communities— that have direct and indirect impacts on its business activities —as key stakeholders. The Group actively incorporates feedback received through various communication channels, such as annual stakeholder surveys, into its business practices. It identifies material issues by surveying internal and external stakeholders and discloses these issues through its reports. In May 2023, Hana Financial Group served as the main sponsor of the UNEP FI PRB Asia-Pacific Roundtable, where CEO and Chairman Ham Young-ju delivered a keynote address to share the Group’s ESG vision.

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

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

In 2007, Hana Financial Group became a member of the UN Global Compact, a voluntary initiative that promotes corporate social responsibility by endorsing the Ten Principles covering human rights, labor, environment, and anti-corruption. The Group commits to upholding these global principles and transparently reports its performance to the UNGC annually. Additionally, in May 2022, Hana Financial Group joined the Women’s Empowerment Principles (WEPs), a collaborative initiative of UN Women under the UN Global Compact. The WEPs’ seven principles are grounded in real business practices. By supporting the WEPs, Hana Financial Group seeks to further promote gender equality awareness and align with the broader values and objectives of the United Nations.

 

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 Hana 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.hanafn.com/esg/report/2024/HFG_PRB_Report_2024_Reporting_and_Self_Assessment_Template.pdf

Note to Hana 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.

The Government Savings Bank (GSB) highly values maintaining strong relationships with its stakeholders, recognizing all groups that influence or are affected by the bank’s activities—both positively and negatively. The bank emphasizes creating opportunities for key stakeholders to share their opinions, suggestions, and feedback, ensuring that the needs, expectations, and concerns of all parties are acknowledged equally. Annually, GSB conducts interviews and meetings with relevant units to gather this information. The insights gained are then utilized to guide strategic planning, operational decisions, and development initiatives, helping the bank build a competitive edge and achieve sustainable growth.

Stakeholder Identification and Management

GSB has adopted the international AA1000 Stakeholder Engagement Standard (AA1000SES) as a framework for effective stakeholder management. Additionally, it follows the Stakeholder and Customer Management (SCM) criteria based on the Core Business Enablers assessment within the State Enterprise Assessment Model (SE-AM). This systematic approach promotes stakeholder engagement across relevant business units. The process involves analyzing the value chain and prioritizing key stakeholders based on their involvement in GSB’s plans, projects, and processes. This is carried out at both departmental and regional levels to identify and focus on the most critical stakeholders for the entire organization. The Power-Interest Matrix is used to evaluate stakeholders according to their influence and interest in GSB’s operations, enabling the bank to prioritize engagement strategies accordingly.

GSB classifies stakeholders into six groups based on their involvement in GSB’s core missions and processes:

• Regulatory bodies and government agencies
• Partners and suppliers
• Society and key communities
• Customers, divided into three segments: grassroots, individual, and business/government clients
• Media organizations
• The Board of Directors, executives, employees, and workers

Stakeholder Consultation and Engagement

GSB has established a governance framework for stakeholder management, including the Stakeholder Engagement Policy, Stakeholder Engagement Procedure Manual, and a Stakeholder Master Plan for 2024–2028. This framework provides guidelines for developing high-quality and standardized stakeholder relationships and management practices. The master plan is shared with key stakeholders both within and outside the bank. The framework undergoes an annual review to address current issues and ensure alignment with the needs and expectations of all stakeholder groups. The bank ensures effective mechanisms and processes for stakeholder engagement by setting clear objectives and defining the scope of relationship-building and management activities, based on the goals of stakeholder relationships and the desired outcomes GSB aims to achieve.

Issues Addressed and Outcomes Achieved

Through stakeholder engagement, GSB tackled several key areas, aligning its efforts with the expectations and concerns identified within each stakeholder group. Regulatory authorities and government agencies prioritized compliance with laws, operational transparency, and financial inclusion, particularly for grassroots customers. Partners and suppliers emphasized collaboration in developing products and services, enhancing data connectivity, and maintaining good governance practices. Society and communities sought initiatives to promote financial literacy, build capacity, and improve citizens’ quality of life. Customers looked for support in accessing financial resources and receiving guidance in financial management.

These engagements resulted in tangible achievements. For instance, regulatory bodies’ focus on compliance and transparency contributed to GSB receiving the Integrity and Transparency Assessment (ITA) Award, reflecting its dedication to openness and accountability. Business partners’ emphasis on joint product and service development helped expand the customer base and improve data connectivity, leading to increased access to financial resources. This is exemplified by the approval of 1,537 land/mortgage sales totaling THB 5,457 million and 913,366 vehicle registration loans totaling THB 21,776 million.

Meeting community and customer needs for financial literacy and improved quality of life led to the establishment of six new People’s Financial Institutions, bringing the total to 15—surpassing GSB’s target. GSB’s comprehensive community development initiatives benefited 11,598 individuals, exceeding the goal of 5,000. Digital programs such as the School Bank at 101 locations and the Coach Aom app with 19,447 users promoted savings and financial literacy. Additionally, GSB supported 14.8 million grassroots customers in line with government policies, served 9 million individual customers, and assisted 0.1 million business and government clients.

In response to employee expectations for skill enhancement and career growth, GSB launched Future Skills Development programs, training 104 facilitators dedicated to community development and 70 business advisors for SMEs and startups. These efforts directly support GSB’s action plans by building internal capacity to fulfill its commitments to stakeholders and the Principles. Furthermore, GSB’s strengthened stakeholder management approach is positioned to maximize its positive social impact as a social bank, incorporating direct feedback from stakeholder groups to shape the bank’s future strategic direction.

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

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

GSB aligns with the 17 Sustainable Development Goals (SDGs), with a particular emphasis on two key objectives: eliminating poverty (Goal 1: No Poverty) and reducing inequalities (Goal 10: Reduced Inequalities). The bank strives to achieve these aims by facilitating access to fair capital and working to diminish financial disparities. GSB has adopted the Principles for Responsible Banking (PRB) from the United Nations Environment Programme Finance Initiative (UNEP FI), committing to incorporate social, environmental, and governance considerations into its operations. This alignment supports GSB’s vision, mission, and operational framework as it aims to be a leading social bank. By signing the PRB, GSB affirms its dedication to international best practices in sustainable and responsible banking. The bank has established various policies to guide staff at all levels, ensuring departmental operations adhere to responsible banking principles. These policies cover diverse areas, including good corporate governance, a code of conduct, a code of ethics, a sustainability policy, and a human rights policy.

Beyond these core policies, GSB actively demonstrates its commitment to becoming a Social Bank through numerous ESG-related initiatives. These include providing educational programs for small business owners, participating in reforestation projects, and other similar efforts.

 

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 GSB, 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.gsb.or.th/media/2025/06/Final-GSB-PRB-2024-Full-680628.pdf

Note to GSB: 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.

Globalance has established itself as a prominent showcase in Switzerland and beyond, becoming an important point of reference and expertise for the media. The list of awards is regarded as an indicator of this recognition.

Shareholder engagement with companies, fund managers, and projects is a crucial mechanism to amplify its impact.

Globalance participates actively in engagement pools, investor coalitions, and collaborates with investment partners such as fund managers. Examples include:

• CSP – Center for Sustainable Finance and Private Wealth (University of Zurich)
• Access to Nutrition Foundation
• CDP
• Swiss Sustainable Finance Association (SSF)
• Nature Action 100
• Climate Action 100

The organization maintains a policy of engaging with students, academics, and scientific coalitions to promote its vision and contribute to education and research.

Locally, Globalance also carefully selects suppliers who align with its sustainability commitments.

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

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

Globalance’s founders are actively involved on a daily basis, nurturing and reinforcing a mission-driven culture every day.

As a value-led and purpose-driven pure-play company, Globalance begins by selecting employees who are aligned with its core values.

The foundation of Globalance’s culture is the absence of short-term financial incentives. Instead, Globalance implements a long-term employee ownership program—every employee owns shares in the company through allocated employee shares, rather than cash payments. This approach helps align long-term perspectives and fosters team commitment. There are no sales targets.

The sustainable impact-culture is most effectively cultivated through investment decisions, each serving as proof of Globalance’s mission and professional standards.

Additionally, Globalance emphasizes the importance of ongoing development. An internal Globalance Academy has been established, providing every employee with opportunities for continuous learning and training.

 

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 Globalance, 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.globalance.com/wp-content/uploads/responsible-banking-progress-statement_2024.pdf

Note to Globalance: 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.

Fidelity Bank remains committed to meaningful stakeholder engagement as a key part of its sustainability approach and the application of its principles. The bank identifies and prioritizes stakeholders based on their relevance to its operations, the potential impact of its activities on them, and their interest in sustainability matters. Fidelity Bank’s engagement practices are guided by the principles of inclusiveness, transparency, and accountability. Insights gained from these interactions inform the bank’s materiality assessments, influence policy decisions, and support the ongoing enhancement of its sustainability initiatives.

Key stakeholder groups and engagement methods include:

• Customers: Connected through feedback surveys, social media, focus groups, customer service channels, relationship managers, and complaints management systems to understand their needs and expectations.
• Employees: Engaged via the intranet, staff meetings, newsletters, training sessions, surveys, performance appraisals, employee resource groups, and whistleblowing channels to foster alignment with the bank’s objectives and promote a responsible workplace.
• Investors and Shareholders: Consulted during Annual General Meetings, investor presentations, sustainability reports, investor relations platforms, and analyst calls to share performance updates and strategic insights.
• Regulators: Interacted with through regulatory submissions, consultations, formal meetings, and participation in industry working groups to ensure compliance and contribute to sector policy development.
• Suppliers: Managed through audits, contractual agreements, workshops, and review meetings to promote responsible sourcing and uphold ethical standards.
• Communities: Engaged via town hall meetings, collaborations with local organizations, social investment programs, and grievance mechanisms to support local development and address community concerns.
• NGOs and Civil Society: Collaborated on specific environmental and social projects and participated in multi-stakeholder initiatives promoting sustainable development.
• Media: Engaged through press releases, briefings, interviews, and social media to ensure transparency and communicate important updates.
• Government: Interacted with relevant ministries, departments, and agencies through meetings, conferences, and joint initiatives, especially on regulatory and policy issues.
• Industry Peers: Participated in industry associations, benchmarking activities, and collaborative platforms to share knowledge and advance collective sustainability efforts.

These stakeholder engagement efforts have been instrumental in shaping Fidelity Bank’s sustainability strategy, enhancing transparency, and strengthening its social license to operate.

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

In its 2024 PRB Progress Report Fidelity Bank reports that it took the following actions to promote a culture of responsible banking among its employees:

Fidelity Bank is dedicated to fostering a culture of responsible banking throughout all levels of the organization. This commitment begins with training during induction for both new and experienced hires, where employees are introduced to the bank’s core values, ethics, and sustainability expectations. Fidelity Bank’s Crest Academy spearheads employee learning and development by providing structured training programs that incorporate sustainability and climate-related content.

Training needs are identified through performance evaluations and collaboration with line managers, while employees are also encouraged to request training aligned with their personal development goals. Sustainability and climate-focused modules are integrated into the overall curriculum, with the Crest Academy working closely with the Sustainable Banking team to ensure alignment with the bank’s strategic objectives.

Fidelity Bank delivers training via multiple channels, including its Electronic Learning Management System (ELMS), virtual sessions on Microsoft Teams, and instructor-led workshops. Knowledge retention is supported through self-paced modules, quizzes, and facilitated discussions where appropriate.

Beyond formal training, the Sustainable Banking team regularly disseminates communications on sustainability and climate issues to raise awareness across the bank, in partnership with the Brand and Communications Division.

Additionally, board members and senior management receive specialized training on sustainability and climate-related topics, including relevant reporting standards such as IFRS S1 and S2. Sustainability performance is integrated into Fidelity Bank’s appraisal processes and reflected in sustainability staff and executive incentive programs, with ongoing efforts to strengthen the connection between remuneration and ESG outcomes.

 

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 Fidelity 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://www.fidelitybank.ng/documents/Fidelity-Bank-Sustainability-And-Climate-Report-2024.pdf

Note to Fidelity 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.

A core element of Eurobank’s sustainability approach is to build strong relationships founded on trust, cooperation, and mutual benefit with all stakeholders affected by its activities, whether directly or indirectly.

In this regard, the bank encourages two-way communication and maintains an ongoing dialogue with stakeholders to actively address their expectations, concerns, and issues. As part of its Double Materiality Assessment, Eurobank engaged stakeholders on topics related to its sustainability initiatives and responsible financing products, aligning with the Principles for Responsible Banking, to gather their insights on the bank’s sustainability performance. This assessment was a key process in determining the contents of the Annual Report 2024 – Business & Sustainability. Using the new methodology outlined in the European Sustainability Reporting Standards (2023), Eurobank identified, assessed, prioritized, and validated the positive and negative impacts, risks, and opportunities the bank creates or may create on the environment, people, and the economy.

Additionally, Eurobank conducts sustainability awareness training sessions to ensure internal stakeholders stay informed about sustainability matters.

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

In its 5th PRB Progress Statement Eurobank reports that it took the following actions to promote a culture of responsible banking among its employees:

Eurobank fosters a culture of sustainability by providing employees with the skills needed to assist clients in their green transition. Key initiatives include:

• ESG upskilling programs for employees, focusing on risk management, compliance, and business strategy.
• Training sessions for stakeholders across the three lines of defense to enhance sustainability awareness.
• Ongoing sustainability education through e-learning modules, digital talks, and intranet resources, ensuring staff stay updated on the latest sustainability developments.

Acknowledging the significance of cultivating a robust sustainability-oriented culture throughout the bank, Eurobank has initiated programs such as:

• The “TeamUp” employee volunteer program, which provides opportunities for employees and their families to engage in community-based environmental initiatives.
• The “ESG Insight” newsletter, delivering regular updates on Eurobank’s sustainability efforts to both internal and external stakeholders.

By integrating solid governance, accountability measures, and a sustainability-focused corporate culture, Eurobank ensures that sustainability principles remain a strategic priority, empowering employees and stakeholders to contribute to a responsible banking model that promotes positive environmental and social impacts.

 

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 Eurobank, 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.eurobank.gr/-/media/holding/omilos/annual-reports/etisios-apologismos-2024/unep-fi-principles-responsible-banking.pdf

Note to Eurobank: 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.

Deutsche Bank places a high value on maintaining fair and transparent dialogue with its stakeholder groups. The bank aims to understand the expectations and concerns of stakeholders regarding its strategy, business operations, and social responsibilities, with the goal of identifying potential impacts, risks, and opportunities.

Key stakeholders include clients, employees, investors, regulators, and society at large. Each business division and support function is responsible for engaging with its specific stakeholder groups.

How did Deutsche Bank work with its clients and customers to encourage sustainable practices and enable sustainable economic activities?

In its 2025 PRB Responsible Banking Progress Statement Deutsche Bank reports that it works with its clients and customers to encourage sustainable practices and enable sustainable economic activities as follows:

Deutsche Bank’s Code of Conduct forms the basis of the bank’s client-focused culture. This commitment to client centricity is outlined in the Code of Conduct and guides how the bank engages with clients across all business divisions.

As of December 31, 2025, Deutsche Bank operated through four main divisions: Corporate Bank, Investment Bank, Private Bank, and Asset Management. The bank offers products and services customized to meet the unique needs of various client groups, including offerings in sustainable finance and ESG investments.

 

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 Deutsche 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://www.db.com/files/documents/csr/reports/PRB-Summary-Report-2025.pdf

Note to Deutsche 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.

Coop Pank recognizes its significant impact on society as a financial institution. Therefore, it regularly consults and collaborates with various stakeholders to gain a comprehensive understanding of societal challenges and opportunities. This approach helps Coop Pank contribute more effectively and enhance its positive influence.

Coop Pank actively participates in numerous local initiatives and is involved in several collaboration networks that promote and develop responsible business principles at both Baltic and international levels.

As a member of the Estonian Banking Association, Coop Pank actively engages in all its working groups. Through this membership, the bank contributes to initiatives such as promoting financial literacy among youth and adults, advancing sustainable finance, and more, all aligned with the principle of supporting life in every corner of Estonia. For instance, in April 2025, Coop Pank organized a financial literacy seminar in Rakvere, a small town, and during Financial Literacy Month in March and April, it delivered financial education lessons nationwide.

Participation in the Banking Association’s working groups enables Coop Pank to consult and collaborate with various stakeholders, including government institutions, ministries, the Bank of Estonia, and other influential organizations in developing the fields of financial literacy and of sustainable finance. This platform facilitates cross-sector cooperation, allowing key issues to be addressed more rapidly and with a greater societal impact than working independently.

Furthermore, Coop Pank is involved in cooperation among Pan-Baltic banking associations and individual banks. The bank participates in monthly meetings within the Banking Association and every six weeks at the Pan-Baltic level. Together, they have developed a unified ESG questionnaire and a GHG calculator for the Baltic region.

Coop Pank has also been an active member of the Responsible Business Forum—renamed Sustainable Business Estonia (KELL) in 2025—working with various stakeholders to more effectively pursue shared societal goals.

Since 2024, Coop Pank has collaborated with the Ministry of Defense of the Republic of Estonia and the Foundation for the Development of National Defense in establishing the Reservists’ Fund. Both the bank and its customers contribute donations to support Estonia’s national defense. Through the “Kaardivägi” (Card Guard) program, customers donate €0.01 for each card payment, which Coop Pank matches with an additional €0.01. All donations are transferred to the Foundation for the Development of National Defense. In recognition of its support, Coop Pank received the highest honour from the Ministry of Defense—the Gold Badge. 

Since 2023, Coop Pank has been working with the pension association Tuleva to provide its clients with the opportunity to participate in Tuleva’s second and third pillar pension funds. This partnership aims to enhance the financial well-being of people in Estonia.

Coop Pank also collaborates with the Estonian Athletic Association and the Estonian Volleyball Federation to support the development of volleyball and decathlon sports in Estonia.

These partnerships reflect shared values with the bank’s collaborators and demonstrate Coop Pank’s commitment to improving life across every corner of Estonia.

Regarding employees as a stakeholder group, an example of a collaborative network focused on employees and broader social aspects is PARE—a supportive community for HR managers and professionals—in which Coop Pank is an active member.

Gradually, Coop Pank has increased employee involvement by raising awareness and organizing various seminars and training sessions. Starting from 2024, the employee satisfaction survey includes a dedicated section on sustainability. In the coming years, this will enable Coop Pank to more clearly and systematically monitor employees’ attitudes, awareness, and opinions regarding the bank’s sustainability initiatives.

Since 2024, Coop Pank has been collaborating with TalTech to diversify academic learning, support students, train bank employees, and conduct research. A practical example of this collaboration is that Coop Pank provides students with ideas for bachelor’s and master’s theses and offers input when students wish to base their theses on the bank’s case. The partnership also involves co-organizing events such as the School of Business and Governance internship fair and the IT internship café. Additionally, Coop Pank awards scholarships of €3,000 each, with the 2024 recipients being students interested in artificial intelligence and ESG topics.

Coop Pank actively participates in knowledge sharing, particularly in the fields of ESG and AI, through the University’s entrepreneurship and research portal Trialoog, which is primarily aimed at entrepreneurs and decision-makers. The bank collaborates on bachelor’s and master’s theses and offers internship opportunities. Overall, this cooperation encourages student interest in areas that Coop Pank considers vital for increasing the competitiveness of Estonian banking and the broader economy.

During the 2024-2025 academic year, one master’s thesis and one bachelor’s thesis were completed in partnership with Coop Pank and TalTech, both focusing on sustainability. Each thesis utilized data from Coop Pank, and their findings provided valuable feedback to the bank. The results were presented to the entire organization during a seminar, which also included an external expert to offer broader perspectives on the topics.

Moreover, Coop Pank invests in educating the public on various matters, including ESG, through organizing webinars, participating in seminars and conferences organized by others, accepting speaking engagements, and publishing articles. The bank’s spokespeople regularly share knowledge through different channels to promote awareness and understanding.

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

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

Since the beginning of 2020, Coop Pank has adopted a more strategic approach to fostering a culture of responsible banking among its employees. The first sustainability and ESG-related training sessions were conducted in 2021, serving the entire bank and tailored to specific employee groups.

From 2021 onwards, Coop Pank has implemented a Green Office policy that defines principles and guidelines related to environmental and sustainability considerations both within the bank’s offices and more broadly. The policy affirms that sustainability is integrated into all aspects of the bank’s activities, with efforts to minimize environmental impact. Guided by this understanding, sustainability principles are embedded in daily operations, both internally and in collaboration with partners and customers.

Coop Pank contributes to raising employees’ environmental awareness by introducing them and new hires to the objectives of the Green Office policy, its management system, and the environmental initiatives undertaken at the office and beyond.

In addition to policy-based engagement, Coop Pank has organized various awareness-raising activities, including environmental challenges, themed training days, and morning coffee sessions focused on sustainability. These initiatives aim to build capacity, foster a sustainability-minded culture, and incorporate sustainable practices into the bank’s everyday operations.

Here are a few examples:

All Coop Pank employees have the opportunity to submit proposals through digital solutions aimed at making the office and operations more environmentally friendly and sustainable. The Green Office working group reviews these proposals and, if needed, involves other employees or external partners to implement the suggested solutions. Additionally, there is a separate questionnaire for waste sorting and other sustainability-related questions and suggestions from employees.

Furthermore, each spring, Coop Pank provides a comprehensive overview of its carbon footprint and financed emissions to the entire bank. This initiative helps to foster a culture of responsible banking by ensuring that climate impact remains an important and prioritized topic.

In 2024, Coop Pank conducted ESG training for business client managers. The training offered insights into the overall ESG landscape, with a particular focus on evolving trends and how to prepare for them within client-facing roles. The bank will continue to raise awareness and provide training to its employees.

As part of its internal sustainability engagement and awareness-raising efforts, Coop Pank hosted a morning seminar in June 2025 focused on sustainable commuting. The event featured a TalTech student presenting a master’s thesis based on a case study of Coop Pank, followed by a discussion led by an expert on urban mobility and the role of city planning in promoting sustainable choices.

Since 2024, Coop Pank’s employee satisfaction survey includes a dedicated section on sustainability. In the coming years, this will enable Coop Pank to monitor employees’ attitudes, awareness, and opinions regarding the bank’s sustainability initiatives more clearly and systematically.

A key aspect of responsible business at Coop Pank is also holding its partners accountable.

Coop Pank collaborates with partners who share its values. When selecting partners, the bank reviews the backgrounds of their beneficial owners and the nature of their activities. The aim is to work with companies whose beneficial owners have clean records, are not sanctioned individuals, and whose companies are not subject to international sanctions or linked to negative impacts on communities.

Additionally, Coop Pank’s procurement procedures include the principle that services are not purchased from companies engaged in unethical activities, human rights violations, corruption, or those that have a significant negative impact on the environment.

 

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 Coop Pank, 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://res30f.cooppank.ee/image/upload/dokumendid/coop_pank_lehed/keskkonna_heaks/en/Coop_Pank_PRB_report_2025.pdf

Note to Coop Pank: 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.

As a leading financial institution, CIB believes that meaningful engagement with key stakeholders enables the bank to advance its ESG goals and generate value for investors, partners, clients, and the wider community. CIB facilitates dialogues with experts from the heavy-industry sectors it finances to discuss emerging trends, challenges, risks, and opportunities. Collaborations with clients, government ministries, Multilateral Development Banks (MDBs), and Development Finance Institutions (DFIs) strengthen CIB’s sustainable finance initiatives. Its stakeholders include Development Financial Institutions, international organizations such as UNEP-FI, GFANZ, WEF, and CDP, governmental bodies and academia.

As an active member of the Net-Zero Banking Alliance (NZBA) and the Principles for Responsible Banking (PRB), CIB plays a crucial role in influencing global banking practices. Participation in the NZBA Steering Group Meeting in London and the PRB Board meeting in the UK highlights its dedication to aligning banking operations worldwide with the goal of net-zero emissions by 2050 and promoting responsible banking standards.

CIB’s international engagement also includes significant contributions to the Glasgow Financial Alliance for Net-Zero (GFANZ), where it is a key member of both the Africa Advisory Board and the Africa Network Working Groups. These platforms enable CIB to shape climate action policies across Africa, emphasizing the importance of sustainability in financial practices.

Furthermore, CIB actively participates in global forums such as MENA Climate Week in Riyadh, where it hosted a side event on transition finance, and the Africa Climate Summit in Nairobi, highlighting the climate challenges and opportunities on the continent. Its involvement in the World Economic Forum’s Green Hydrogen Initiative and discussions on transitioning to green energy sources like hydrogen demonstrate CIB’s commitment to innovative climate solutions.

CIB’s participation at COP28 was especially significant, where it not only took part in panels on climate finance and green building initiatives but also played a strategic role in advocating for the expansion of net-zero transition efforts and the enhancement of regional carbon markets. Its active contribution to shaping discussions at such international forums, combined with its leadership in regional initiatives, highlights CIB’s central role in advancing both global and regional sustainability goals. Through these efforts, CIB has solidified its position as a leader in integrating environmental considerations into banking practices, championing the cause of sustainable finance.

CIB also proudly celebrates the achievements of the “Choices and Voices” event organized by the Women’s Initiatives Network (WIN) on December 14th, 2023. This event was designed to empower women within the bank and boost their confidence in their ability to succeed and lead. Since its launch in 2019, WIN has been a strong advocate for diversity and inclusion at CIB, working to empower women across the organization and foster a more equitable workplace. The initiative regularly hosts meetings and seminars featuring prominent female leaders from the business community, focusing on strategies for success, career growth, overcoming challenges, and leadership development. This ongoing commitment demonstrates CIB’s dedication to creating an inclusive and supportive environment for all employees.

CIB took part in the 6th Job Fair at Nahda University in Beni Suef as part of the “Your Dream Matters” initiative. This program aims to empower women and strengthen their role within the banking industry, highlighting the significance of women’s workforce participation and providing all graduates with opportunities to apply for jobs. CIB’s participation demonstrates its dedication to supporting gender diversity and offering career prospects for young professionals.

In addition, CIB sponsored the “Financial Careers” job conference to inspire and guide young professionals in their career development. The event provided a valuable platform for connecting with talented youth eager to enter the financial sector. This initiative reflects CIB’s ongoing commitment to engaging in Egypt’s leading professional events and nurturing the next generation of financial experts.

CIB also participated in the fourth edition of the American University in Cairo’s Business Forum, where it discussed recent developments in the S1 and S2 International Financial Reporting Standards (IFRS) related to climate disclosures and their implementation in Egypt. The forum brought together experts from academia, business, regulatory bodies, private sector firms, auditors, and consulting organizations to explore the implications for investors and companies, as well as regional opportunities and challenges. CIB emphasized the importance of institutional collaboration in adopting these standards, reaffirming its leadership in advancing sustainability initiatives and integrating environmental considerations into banking practices.

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

In its 2024 PRB Progress Report CIB reports that it took the following actions to promote a culture of responsible banking among its employees:

To drive systemic change towards embedding sustainability into its policies and culture, CIB emphasizes and advocates for the importance of sustainable finance education (SFE). Unlike traditional finance education, which has historically concentrated on teaching the basics of profit-making, SFE highlights the vital link between finance and ESG (Environmental, Social, and Governance) factors. Recognizing that integrating ESG principles across its policies and culture requires a deep understanding of their significance for business growth as well as societal and environmental well-being, CIB views SFE as a critical pillar in this effort. In line with its mission to promote sustainable finance throughout its operations, CIB leverages the expertise of its Learning and Development team to deliver up-to-date, best-practice training and capacity-building initiatives on sustainable finance for its employees, clients, and other stakeholders, aligned with the different stages of the framework’s development.

An introductory sustainable finance module, designed to highlight the fundamental principles and pillars of sustainability, is available to all CIB staff across the organization. In addition, various tailored and off-the-shelf sustainability courses are offered, targeting specific areas, while sustainable finance education has been fully integrated into CIB’s flagship Credit, SME, and Retail Courses.

Furthermore, CIB has entered into a Memorandum of Understanding (MoU) with LinkedIn Learning to enhance digital education for its employees. This collaboration aims to broaden employees’ technological knowledge through LinkedIn Learning’s extensive library of over 20,000 expert-led instructional videos. By providing access to this on-demand educational platform, CIB seeks to support the country’s economic development through education and enable its staff to keep pace with industry changes.

CIB believes that fulfilling its climate and financial inclusion commitments depends significantly on well-informed and engaged employees who can effectively promote the bank’s sustainability products and services. Developing a culture aligned with its strategic vision is essential to this effort.

 

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 CIB, 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.cibeg.com/-/media/project/downloads/about-cib/esg/portfolio-impact-assessment/2024-portfolio-impact-assessment.pdf

Note to CIB: 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.

The BPER Group shapes its strategies based on the needs and expectations of its stakeholders. To achieve this, it conducts a structured engagement process aimed at identifying their needs, understanding their expectations regarding the Group’s activities, and anticipating potential risks—transforming them into opportunities. As part of the double materiality analysis conducted in 2025, an impact assessment was undertaken through engagement with key internal and external stakeholders. Specifically, the following engagement activities were carried out:

• Interviews with shareholders;
• A multi-stakeholder forum involving representatives from customers, the financial market, local communities and territories, suppliers, and public administrations;
• An employee survey.

The Bank’s dedication to collaborating with socially committed organizations is reflected in numerous partnerships with institutions and associations, including: Global Compact, the Italian Banking Association working groups (ABI), the CSR Association, the Foundation for Financial Education and Savings (FEduF), Sodalitas Foundation, the Forum for Sustainable Finance, Impronta Etica, the Italian Foundation for Business Reporting (O.I.B.R.), Sustainability Makers, Valore D, and the Women’s Network against Violence (D.i.Re).

In addition to the aforementioned engagement activities, the BPER Group has launched additional initiatives to enhance stakeholder engagement. These include the Group’s participation in the Sustainable Network of Borsa Italiana, an initiative aimed at creating an integrated ecosystem to promote sustainable finance within the Italian capital market. The Network facilitates dialogue and collaboration among financial institutions, issuers, and advisors, encouraging the exchange of expertise, best practices, and innovative ESG solutions—ultimately supporting the sustainable growth of the real economy through advanced tools and strategies.

These efforts are further supported by training and information-sharing sessions on sustainability disclosures, organized in partnership with various trade associations to assist SMEs operating within the bank’s geographical areas.

Since 2022, the Group has also piloted a project to administer ESG questionnaires to gather data on individual companies. The initiative continued into 2024, involving a selected group of larger companies. In 2025, activities were expanded further by increasing the number of companies participating in the questionnaire and by establishing a structured engagement process that involves direct participation from the Commercial Network.

In 2025, the Group continued its dedication to enhancing employee engagement and fostering a better working environment, building on the insights gained from the “People Survey 2024.” Conducted the previous year across the entire corporate population, the survey assessed employee engagement levels within the Group. Some of the questions contributing to the overall score also addressed eNPS and job satisfaction. The results of the survey played a crucial role in guiding the development of subsequent action plans.

Drawing on the insights from these findings, several action plans were designed and implemented in 2025, both at the Group level—guided by Top Management—and at the operational level through bottom-up initiatives developed with the active involvement and responsiveness of first-line managers. These action plans are aligned with the timeframe of the 2024–2027 Business Plan “B: Dynamic | Full Value 2027.”

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

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

The BPER Group actively promotes a responsible banking culture through various initiatives, including:

• the assessment and development of human resources’ skills;
• training programs designed to reinforce and deepen the risk culture within the Group, covering topics such as privacy, cybersecurity, anti-corruption, compliance, Model 231, and the Code of Ethics.

Additionally, a new course titled “Sustainability and ESG Management at BPER” was made available to all BPER Banca employees, aimed at providing a comprehensive understanding of these subjects and highlighting the strategic importance of sustainability in the banking sector.

For ESG Managers specifically, an annual training cycle is scheduled. In 2025, three webinars were organized focusing on the relevant regulatory framework, market best practices, and upcoming ESG-related challenges. The goal was to promote knowledge sharing and to strengthen the integration of ESG factors into corporate processes.

Furthermore, targeted ESG training programs were implemented for over 1,000 employees involved in the origination and approval of credit exposures within the Corporate Centres and credit functions across the BPER Group during 2024–2025. Dedicated sessions were also arranged for the Internal Audit Function to support their engagement in ESG-related activities.

 

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 the BPER 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://group.bper.it/documents/d/bper-istituzionale/2025-responsible-banking-progress-statement-inglese

Note to the BPER 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.

Engaging in dialogue with stakeholders is central to BNP Paribas’ social and environmental responsibility. The Group’s dedication to maintaining open and constructive communication aims primarily to better identify and understand the interests, perspectives, and expectations of its stakeholders, as well as the impacts of its activities.

This approach allows the Group to incorporate stakeholder insights into the development of its products and services, ensuring they align with genuine customer needs, evolving business lines, and strategic objectives. Additionally, this dialogue is crucial for informing stakeholders about the Group’s decisions and actions, promoting transparency and clarity.

BNP Paribas recognizes a diverse range of stakeholders with varying levels of interaction, including its customers (individuals, professionals, corporate clients, and institutions), employees and their representative bodies, shareholders (both individual and institutional investors), suppliers, financial and non-financial rating agencies, regulatory authorities and public institutions, civil society and its organizations.

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

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

Training

BNP Paribas invests heavily in employee training, with a particular focus on ESG topics, supported by dedicated monitoring systems. In 2024, 77,270 Group employees participated in Sustainability Academy training, and a specialized program on respecting human rights during business conduct was introduced to 1,600 targeted employees. Since its inception at the end of 2022, a total of 133,000 Group employees have been trained through the Sustainability Academy.

Additionally, Group employees are actively engaged through participation in “fresks,” collaborative workshops designed to raise awareness about Climate Change Mitigation and Biodiversity issues among employees and Executive Committees. In 2024, over 12,000 employees across 53 countries took part in these workshops. This experience is also extended to individual shareholders.

 

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 BNP Paribas, 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://cdn-group.bnpparibas.com/uploads/file/bnpparibas_2025_prb_reporting.pdf

Note to BNP Paribas: 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.