Environmental and Social Loan Standard - ESLS
Environmental and Social Risk Management Scope
In addition to advanced E&S risk criteria, we also monitor compliance with the Environmental and Social Loant Standard (ESLS) for transactions that fall outside the scope of the Environmental and Social Impact Assessment Model (ESIAM) through questionnaires completed prior to the financial transaction.
We provide environmental and social risk management in the following client segments.
| Project Finance |
%100 |
%100 |
Advanced E&S criteria are applied to all project finance loans, regardless of financial limits or criteria, in addition to compliance with the Bank's policies and legislation. |
| Corporate Loans |
%100 |
Partially |
The Banking Service Agreement and General Credit Agreements include information on complying with our core policies and legislation. ESLS compliance is checked through a questionnaire. Loans that fall under2 ESIAM are subject to advanced E&S criteria. The Green Loan structure allows for the introduction of transaction-specific additional criteria. |
| SME Loans |
%100 |
Partially |
The Banking Service Agreement and General Credit Agreements include information on complying with our core policies and legislation. ESLS compliance is checked through a questionnaire. More detailed E&S criteria specific to each transaction may be applied within the scope of various borrowing agreements. |
| Mortgage Loans |
%100 |
Partially |
The Banking Service Agreement include information on complying with our core policies and legislation. Additional environmental criteria apply for the Green Mortgage loans. |
| Personal Loans |
%100 |
Not Applicable |
The Banking Service Agreement include information on complying with our core policies and legislation. Advanced E&S criteria are not applicable for this segment. In addition, there are several practices aimed at the financial health of our clients as part of the bank's transparent and responsible banking practices. |
1Environmental and Social Loan Standard, one of our core policies, includes a list of general exclusions.
2Corporate Loans that involve the construction of a new project or the capacity increase of an existing project and meet the determined amount/transaction thresholds are subject to ESIAM. Criterion controls are carried out by the relevant team according to the ESIAM process.