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Link Opens in a New Window2018 Report on Non 1 2018 Bank Millennium and Bank Millennium Capital Group Non-financial Information Report 2 2018 Bank Millennium and Bank Millennium Capital Group Non-financial Information Report This report includes a Bank Millennium and the Capital Group of Bank Millennium statement prepared in accordance with the Accounting Act (Article 55, paragraph 2b-2e) according to the GRI Standards, includes non-financial information related to the Bank Millennium and Capital Group of Bank Millennium for the period from 1 January to 31 December 2018 and is an integral part of the Bank Millennium and the Capital Group of Bank Millennium. TABLE OF CONTENTS I. BANK MILLENNIUM AND THE CAPITAL GROUP OF BANK MILLENNIUM ........................................... 6 1. PROFILE OF THE ORGANIZATION ....................................................................................... 6 1.1. SCALE OF OPERATIONS .............................................................................................. 7 1.2. SHAREHOLDER STRUCTURE.......................................................................................... 7 1.3. BUSINESS PERFORMANCE ............................................................................................ 8 2. BUSINESS MODEL AND THE VALUE CREATION MODEL ................................................................. 10 3. EXECUTION OF THE 2018-2020 STRATEGY ............................................................................. 14 4. MANAGEMENT APPROACH TO SUSTAINABLE DEVELOPMENT ......................................................... 16 4.1. DESCRIPTION OF THE SIGNIFICANT RISKS RELATED TO THE ENTITY’S ACTIVITY ............................ 17 4.2. METHOD OF RISK MANAGEMENT ................................................................................... 17 5. MISSION, VALUES AND ETHICS ........................................................................................... 17 5.1. THE BANK MILLENNIUM GROUP’S VALUES ........................................................................ 18 5.2. ETHICAL STANDARDS ................................................................................................ 18 5.3. RESPECTING HUMAN RIGHTS ....................................................................................... 19 II. BUSINESS ............................................................................................................... 21 1. BANKING FOR EVERYONE ................................................................................................. 21 1.1. INNOVATIVE BANKING AND NON-BANKING SERVICES ............................................................ 21 1.2. SOCIALLY RESPONSIBLE PRODUCTS ............................................................................... 22 1.3. BANKING WITHOUT BARRIERS ...................................................................................... 25 2. QUALITY OF CUSTOMER SERVICE ........................................................................................ 26 2.1. HIGH CUSTOMER SERVICE STANDARDS ............................................................................ 27 2.2. IDENTIFYING CUSTOMER NEEDS ................................................................................... 27 2.3. COMPLAINTS MANAGEMENT ........................................................................................ 28 3. RESPONSIBLE ADVERTISING AND SALES ................................................................................. 30 3.1. RELIABLE MARKETING COMMUNICATION .......................................................................... 30 3.2. TRANSPARENT INFORMATION ABOUT PRODUCTS AND SERVICES .............................................. 30 3.3. ETHICAL STANDARDS IN CLIENT SERVICE ........................................................................ 31 3.4. CLIENT EDUCATION ................................................................................................. 33 4. SAFETY OF CLIENT FUNDS ................................................................................................ 33 4.1. COMPLIANCE WITH THE REGULATIONS ........................................................................... 33 4.2. FRAUD PREVENTION ................................................................................................. 33 4.3. ANTI-MONEY LAUNDERING AND COUNTERING TERRORISM FINANCING (AML/CTF) .......................... 34 4.4. PREVENTING CONFLICTS OF INTERESTS .......................................................................... 34 4.5. COMBATING CORRUPTION .......................................................................................... 35 4.6. SAFETY OF INFORMATION AND TRANSACTIONS .................................................................. 35 4.7. INTERNAL AUDIT ..................................................................................................... 36 5. THE BANK IN THE MARKET ENVIRONMENT .............................................................................. 37 5.1. COOPERATION WITH TRADE ORGANIZATIONS.................................................................... 37 5.2. RELATIONS WITH THE CAPITAL MARKET .......................................................................... 37 6. BUSINESS PARTNERS ...................................................................................................... 39 3 III. EMPLOYEES ............................................................................................................ 41 1. HEADCOUNT ............................................................................................................... 41 1.1. GOVERNANCE STRUCTURE ......................................................................................... 41 1.2. HEADCOUNT STRUCTURE ........................................................................................... 42 2. WORKING CONDITIONS ................................................................................................... 47 2.1. HR POLICY ............................................................................................................ 47 2.2. COMPENSATION POLICIES ......................................................................................... 47 2.3. SIGNIFICANT RISKS RELATED TO THE EMPLOYEE AREA ......................................................... 48 2.4. SUPPORTING DIVERSITY AND COUNTERACTING DISCRIMINATION ............................................. 48 2.5. FREEDOM OF ASSOCIATION ......................................................................................... 50 2.6. EMPLOYEE APPRAISAL ............................................................................................... 51 2.7. PROFESSIONAL DEVELOPMENT ..................................................................................... 52 2.8. FRIENDLY WORKPLACE .............................................................................................. 54 2.9. SOCIAL BENEFITS .................................................................................................... 56 3. EMPLOYEE HEALTH AND SAFETY ........................................................................................ 58 IV. SOCIETY ................................................................................................................ 60 1. SOCIAL ENVIRONMENT .................................................................................................... 60 2. DIALOGUE WITH STAKEHOLDERS ........................................................................................ 61 3. SOCIAL ACTIVITY .......................................................................................................... 63 3.1. BANK MILLENNIUM FOUNDATION PROGRAMS .................................................................... 64 3.2. CHARITABLE CAMPAIGNS ........................................................................................... 65 3.3. PROMOTION OF CULTURE .......................................................................................... 65 3.4. SUPPORT FOR INNOVATION ........................................................................................ 66 3.5. SUPPORTING EDUCATION ........................................................................................... 66 V. NATURAL ENVIRONMENT ............................................................................................ 69 1. ENVIRONMENTAL IMPACT MANAGEMENT ............................................................................... 69 2. REDUCTION OF MATERIAL CONSUMPTION .............................................................................. 69 3. WASTE MANAGEMENT CONTROL ........................................................................................ 70 4. MONITORING ENERGY, WATER AND FUEL CONSUMPTION ............................................................ 71 5. INTRODUCTION OF ENVIRONMENTALLY-FRIENDLY SOLUTIONS ...................................................... 74 6. BANK'S ENVIRONMENTALLY FRIENDLY PRODUCTS AND SERVICES .................................................... 77 7. ENVIRONMENTAL EDUCATION CAMPAIGNS ............................................................................. 78 VI. ABOUT THIS REPORT ................................................................................................. 79 1. APPROACH TO REPORTING ............................................................................................... 79 2. ACCOUNTING ACT COMPLIANCE TABLE ................................................................................. 81 3. GRI STANDARDS
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