Our 2020-2023 business plan includes 13 Environmental, Social and Governance targets with a commitment to improve our own energy efficiency, support financial access through social impact banking, partner with clients in the shift to a low-carbon economy and phase out lending to clients involved in coal extraction and non-conventional oil & gas.

We see our sustainability commitment as a crucial component of our bank's success in the medium term, fully integrating the creation of long-term value for clients, employees and stakeholders into our business strategies and our management's financial remuneration.

Our senior management sets ESG targets with input from areas across the bank, including Group Risk Management, Retail and Corporate Business lines, Investor Relations and Group Sustainability. We ensure that these targets are fully integrated into our daily business. We have fully integrated our sustainability approach into our 2023 targets to improve our response to risks and opportunities. Building a sustainable future is an important challenge for both people and businesses. Every company has to do more than 'business as usual' - it is time to act and make an impact.

More information on ESG in our Sustainability Section