The direct environmental impact of mBank Group stems mainly from:

• the operation of our offices and branches. In practice, it boils down to the consumption of utilities (electricity, heat and others), typical office materials (paper, toners, etc.) and generation of municipal waste.
• work-related rides. mBank’s subsidiaries are headquartered in Warsaw and Łódź. For a great
  number of our employees it is nothing unusual to travel every day between these two cities. What is more, employees have to travel to clients and take business trips which translates into fuel consumption by cars in our fleet.
• IT infrastructure. Its functioning, including the operation of cooling systems, consumes electricity.

However, our indirect impact has far greater importance. This involves, for example, funding for industrial investments. Whether a given venture will be implemented and what technology it will employ depends indirectly on mBank, acting as a lender for the project. We do not render financial services to companies whose operations involve economic exploitation of areas of great natural interest, areas under protection, which violate environmental regulations. More information can be found here.

In order to reduce environmental footprint of our car fleet, we have introduced solutions, which
include:

• refuelling limits per employee in a given month (limits on amount spent or fuel used),
• blocking the possibility of refuelling at weekends, holidays and holiday leaves,
• limiting the possibility of refuelling to selected petrol stations,
• installing GPS devices monitoring the use of vehicles and fuel in the company vehicles,

• in the case of pool cars, i.e. cars used by more than one employee, a dedicated smartphone application has been introduced for driver authorisation, which facilitates the settlement of fuel costs and makes it more transparent.
• We promote hybrid vehicles. In order to incentivise employees to opt for more eco-friendly cars, additional budget for car equipment is provided to those who choose hybrid vehicles.

mBank reduces its consumption of paper and office supplies mainly by the limitation of the number of printouts. It is possible as we eliminate hard copy documents from subsequent processes.

Other solutions, which eliminate hardcopy confirmations from internal processes, include e.g. electronic acceptance of tangible assets in the My Zone application and using electronic inventory, wherever this is possible. We have implemented electronic declarations of employees, electronic settlement of business trips and electronic circulation of documents. In the entire company, employees are obliged to print double-sided in black and white. There is also monitoring of printouts. Thanks to this system, the consumption of paper, toners and wear of tools have significantly decreased.

In 2017, we completed the construction of Przystanek mBank in Łódź. It is a state-of-the-art, smart office building, which, thanks to its self-regulation, effectively manages electricity and reduces its consumption. It is possible due to the following solutions:

Additionally, over many years the entire company has taken numerous steps which reduce electric energy consumption, e.g.:

We observe the following rules:

• we switch off the lights and devices that are not in use,
• we use energy-efficient light sources, energy-efficient devices and timer switches.

We carry out communication activities that make our employees aware of the following facts:

•  a computer with a monitor left in rest mode overnight draw even 10 watts per hour;
• a laptop in rest mode consumes the same amount of energy as when used for working; It also refers to printers, shredders, phones or coffee machines.

• Our aim is to sign point of sale lease agreements under which the energy costs are calculated based on electricity meters and not as a lump sum.