The process of incorporating ESG into our business and financing decisions began by adopting a board-approved ESG Policy. We began our journey of responsible lending through ESG due diligence during the credit phase, a process to ensure ESG compliance and develop an action plan for improvement. Our ESG policy ensures that our services and operations are socially and financially sustainable and reflect a shift towards promoting environmental sustainability.

Our sustainability governance framework ensures accountability and transparency across all levels of the organization. Dedicated committees and leadership teams oversee ESG initiatives, monitor progress, and align sustainability objectives with business strategy.

We have a dedicated multi-tier governance framework to effectively integrate and monitor Environmental, Social & Governance (ESG) principles within the company. This sustainability governance structure encompasses the Board of Directors, Sustainability Committee, ESG Steering Group, and ESG Implementation Team.

We promote responsible lending practices by evaluating environmental and social risks alongside financial considerations. Our lending decisions support sustainable growth while minimizing potential adverse impacts on communities and ecosystems.

Our sustainability goals focus on driving measurable environmental, social, and governance outcomes. We regularly review our progress and remain committed to achieving long-term sustainable growth.

Our Sustainability Policy provides the framework for integrating ESG principles into decision-making processes. It outlines our commitment to responsible business practices, stakeholder engagement, and continuous improvement.