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Goal 4: We want to reduce our environmental footprint

Goal 4: We want to reduce our environmental footprint

  • Our direct and indirect impact
  • We reduce consumption of non-renewable fossil fuels
  • Przystanek mBank
  • We reduce consumption of paper and office supplies
  • We have saved 7 million pages of printouts
  • ELO – the Electronic Calendar of Attendances
  • We reduce electricity consumption

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.

A. We reduce consumption of non-renewable fossil fuels

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

  • 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.


In 2017, we finalised the construction of Przystanek mBank in Łódź, which is located just a 5-minute walk from the Łódź Fabryczna railway station. Therefore, our employees do not use company vehicles so frequently as before when they take business trips to Łódź and on the route Warsaw/Łódź. Additionally, we have started working on placing charging points for electric cars on the premises of Przystanek mBank.

B. We reduce consumption of paper and office supplies

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.


How did we manage to save 7 million pages of printouts? Since 2017, we have been sending documents related to the bank account opening process by e-mail. Thus, we have saved as many as 7 million pages of printouts in one year. During the last year we conducted a campaign among our employees, which promoted the idea of mailing clients rules, debit card authorisation limits and information sheets for depositors.

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.


ELO – the Electronic Calendar of Attendance

With a view to reducing paper consumption, in 2017, we introduced the Electronic Calendar of Attendance (ELO). Due to the “Electronic Calendar of Attendance” application, it is much quicker and easier to confirm the attendance or report absence. It has replaced attendance lists in paper form and it is available to all employees via company mobile phones and in the intranet.


Additionally, in 2017, we introduced the Virtual Card Application, which makes it possible to use a company mobile phone as an access card. This allows us to reduce plastic consumption.

C. We reduce electricity consumption

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:

  • Building Management System (BMS) that controls and monitors the building’s mechanical and electrical equipment such as lighting, ventilation and air conditioning. BMS monitors electricity consumption and its saving on a regular basis, creating, at the same time, optimal working conditions.
  • LED light bulbs installed in the entire building, instead of traditional incandescent lights and fluorescent lamps. This way we save 65 MWh of power per year.
  • Modern solutions in air-conditioning and ventilation that reduce electricity consumption, such as:
  • Free cooling. Under favourable atmospheric conditions, this method makes it possible to switch off refrigeration units and utilises the cool outdoor air as a free cooling source.
  •  Automated control allows the building to produce as much cold or warm air as needed in a given moment.
  • Smooth control of ventilation centres via inverters, which ensures that the amount of air is optimally adjusted to employees’ needs.
  • CO2 sensors that detect how many people are present in specific areas of the building and regulate the airstream directed there. When the system detects a low number of people in a given room, the effectiveness of ventilation centers decreases. The airstream increases when the number of people is growing.

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.
We estimate that our company may save even up to 20% of its costs when employees leave their devices switched off.
  • 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.