Resource management

In 2016, even though the number of active customers increased by 9% and a greater number of manuals was used to improve customer service quality, the consumption of paper declined. This resulted mainly from the minimized use of paper for the presentation of products and from encouraging the customers to use remote banking channels.

The policy of reusing the Bank’s own resources has allowed us to limit purchases of new devices, equipment and materials required for the business activity.

Paper consumpion down by   4%

Consumption of purchased materials

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Article (kg)	2016	2015	2014	2013	2012	Change 2016/2015	Reasons for change
Paper and paper rolls for operational needs	292 255	302 991	300 750	322 822	369 307	-3.54%	eliminating printouts for internal transactions through the automated process of ATM transaction settlement consolidation of agreements for several banking products into a single 8 in 1 contract possibility of purchasing products via remote channels
Envelopes	56 140	73 208	71 533	93 874	101 924	-23.31%	the active electronic statements service reduces the consumption of paper in the handling of mass mailing reduced use of envelopes for circulating internal correspondence
Plastics	12 822	12 155	11 793	12 689	13 421	5.49%	increased limit for insulated disposable cups and safe envelopes, to improve customer service quality
Consumable materials for printing devices	970	1 326	1 469	1 677	1 708	-26.84%	efficient management of resources and review of each item in the context of the rationale for the purchase
Batteries	364	411	420	434	541	-11.52%

[GRI 301-1]

In 2016, the Bank recorded a 45% drop in the volume of waste it generated.

Paper, metal, wood, plastic, glass and electronic waste produced in the course of the Bank’s operating activity is recycled or utilized by a specialized company with which the Bank has signed a contract. 88% of the waste is recycled.

Municipal waste from the Bank’s Head Office in Warsaw is collected by a specialized company. 80% of the waste is recycled. Materials, compost and also energy are recovered (RDF fuel). Social rooms in branches are equipped with built-in trash segregation waste bins

Recycling and Disposal of Materials

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Article (kg)	2016	2015	2014	2013	2012	Change 2016/2015	Reasons for change
Tele IT equipment	9 052	19 913	10 001	23 176	13 629	-54.54%	Periodic replacement of the slowest telecommunications and IT equipment, which is no longer fit for use.
Paper	224 581	249 311	342 379	262 312	203 657	-9.92%	Shredding documents, whose storage period has expired in the current calendar year.
Metal waste and cable	6 388	7 162	3 060	6 197	3 839	-10.81%	Disposal of equipment withdrawn from use, which is not suitable for continued use.
Plastics	209	770	1 049	1 195	552	-72.86%
Glass	16	3 690	1 354	240	230	-99.57%
Furniture	8 656	8 841	4 877	3 402	4 789	-2.09%
Lead batteries	102	4 448	bd	bd	bd	-97.71%
Recycled waste*	88%	88%	92%	92%	92%	–	More waste, which is not fit for processing.

* waste produced by the Bank and passed on to a specialized utilization company

[GRI 306-2]

After an analysis of the consumption of water, energy and fuels, reduction measures are implemented to reduce consumption of these resources.

Energy and water consumption

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Material	2016	2015	2014	2013	2012	Unit	Change  2016/2015
Electricity purchased	28 919 799	22 730 441	30 368 048	30 242 556	31 008 557	kWh	27.22%
Heating energy purchased	66 993	81 417	98 684	105 841	104 693	GJ	-17.72%
Natural gas	155 237	152 726	186 651	232 432	200 386	M3	1.64%
Heating oil	13 570	13 832	37 459	69 279	75 818	L	-1.89%
Water*	68 511	70 703	71 307	73 811	85 589	M3	-3.10%

* municipal water  [GRI 302-1]  [GRI 303-1] 

 

Car fleet

Fuel consumption by the car fleet has decreased by about 5% compared to 2015.

All the company cars are compliant with the Euro 5 exhaust emission level standard.

5% drop in fuel consumption

Consumption of fuel

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Consumption of fuel	2016		2015		2014		2013		2012		Change 2016/2015
Fuel type	Gasoline	Diesel	Gasoline	Diesel	Gasoline	Diesel	Gasoline	Diesel	Gasoline	Diesel	Gasoline	Diesel
Number of cars	300	184	301	195	314	177	347	146	347	150	-0.30%	-5.60%
Fuel consumption (l)	428 460	232 575	444 291	249 010	502 748	233 555	491 393	228 200	520 737	210 820	-3.60%	-6.60%

Business travel

Limits for the use of individual types of transportation are applied in order to rationalize the number of business trips. Employees use mainly railway and bus transportation. If they travel by plane, they need approval from the Chairman of the Management Board and if a private car is used – approval from a Management Board member.

 31% decrease in air travel

Business travel (km)

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Business travel (km)	2016	2015	2014	2013	2012	Changes 2016/ 2015	Reasons for change
Air	185 227	241 638	302 348	329 725	318 079	-31%	Greater use of train connections.
Taxis	1 716	1 317	2 059	1 203	3 524	30%
Railway	1 923 347	1 794 890	1 587 130	1 229 645	1 940 702	7%	The increase was driven by the need to organize stationary training for branch employees.
Bus	211 568	199 432	176 348	73 966	87 598	6%

[GRI 302-1]