Environmental protection in BGK

A permanent and important element inscribed in BGK's Strategy is the pursuit to find a balance between the effectiveness of business activities and their impact on the environment and quality of life in Poland.

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BGK carries out a number of activities supporting the implementation of investments related to protection of the environment and achieving climate neutrality, including initiatives in the area of heat generation, low- and zero-emission public transport and thermomodernisation of buildings. An example of such efforts is the Thermal Modernisation and Refurbishment Fund, whose purpose is to finance projects involving thermomodernisation and refurbishment of residential buildings, thus contributing to the cutting greenhouse gas emissions and improvement of local air quality. Through the fund, the Bank also supports the implementation of low-carbon projects, including local heating networks and heat sources under the STOP SMOG programme. The Clean Air Programme assumes the liquidation of air-polluting coal furnaces, and the Business Guarantee Programme enables SMEs to take out loans, e.g. for installation of solar systems, and receive subsidies to interest on loans (the subsidy is an additional bonus). BGK is equally actively involved in projects supporting the development of modern, zero-emission technologies. The support is provided for projects affecting the development of transport infrastructure related to the use of alternative fuels (such as hydrogen, electricity and LNG).

Internally, the Bank ensures proper waste management. In all establishments of the bank waste is separated into five fractions: paper, plastic, glass, biodegradable and residual (mixed) waste. The Bank also provides employees with separate containers for waste batteries constituting hazardous waste. An initiative implemented at the Bank on a large scale is the intended reduction of the use of plastic packaging. To that end, drinking water filtering devices were set up in all establishments. The “We Bank on Green” group was established, to which employees can voluntarily join in order to share best practices and own ways of caring for the planet, nature and better living. BGK also supports employees in economic driving that reduces fuel consumption and, at the same time, emissions to the environment.

BGK’s employees are becoming more and more aware of their impact on climate change, as well as the impact of climate change on the Bank’s operations. The Bank is working on the calculation of its carbon footprint, which includes total greenhouse gas emissions produced directly or indirectly by the organisation.

We monitor the number of kilometres travelled by the Bank’s employees during business trips. In 2021, they travelled 360,495 km by plane and 273,803 km by railway.

Energy

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The organisation’s energy consumption in 2021 was expressed as the total energy consumed in individual locations, including the registered office at Al. Jerozolimskie in Warsaw, which is currently being refurbished.

The organization’s energy consumption in 2021:

Electricity* 1,233,074 kWh 4,439.07 GJ
Heat 8,002.07 GJ
Cooling 952.1 GJ
Gasoline 231,170.13 l 8,322.12 GJ
Diesel oil 10,662.45 l 4,222.33 GJ
Total 25,937.69 GJ

*BGK does not have own renewable sources

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Energy consumed outside of the organisation in 2021

Electricity** 1,341,190.68 kWh 4,828.28 GJ

**related to third-party server rooms

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Energy intensity, including energy consumed outside of the organisation (per number of persons employed)

16.63
GJ/employee

Greenhouse gas emissions

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Greenhouse gas emissions in 2021 amounted to 649.19 tonnes of CO2e (Scope 1 – Direct emissions) and 1,717.65 tonnes of CO2e (Scope 2 – Energy indirect emissions).

Emission source Emission volume* Share
Scope 1 – Direct GHG emissions
Passenger cars (fuel) 533.86 t CO2e 82%
Cooling 102.37 t CO2e 16%
Heating 12.96 t CO2e 2%
Scope 2 – Energy indirect GHG emissions
Electricity** 860.69 t CO2e 50%
Heat 856.96 t CO2e 50%
Scope 3 – Other indirect GHG emissions (for 2021 incomplete scope)
Business trips, including:

  • travel by rail
  • travel by air
143.37 t CO2e, including:

  • 9.72 t CO2e
  • 102.74 t CO2e
87%
Selected raw materials and services purchased**, including:

  • Coffee
  • Milk
20.82 t CO2e, including:

  • 10.91 t CO2e
  • 7.73 t CO2e
13%

*The indicators used in the calculations are presented in the section “About the report”.
** Excludes energy consumed outside of the organisation.
*** Includes purchased products, such as coffee, tea, milk, batteries, paper and cardboard used, toners and waste. The largest contributors to the result obtained were purchased milk and coffee.

Water

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3,653.07
Total water consumption in 2021
(municipal water)

We reduced the amount of purchased bottled water by providing employees with water purifiers in kitchens and issuing relevant guidelines for procurement processes to restrict the purchase of PET bottles.

Paper

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1,824,411
Number of A4 sheets used in 2021

The Bank took action to, inter alia, reduce paper consumption by implementing a digital document circulation, e.g. in collecting applications from customers and in procurement processes. BGK also implements the “Green Bank” initiative, as part of which it introduced the option to submit electronic applications in the “loan for technological innovations” procedure addressed to SMEs, which produced savings of at least 70,000 sheets of paper per year.

It also introduced electronic processing of documents related to the Company Social Benefits Fund – declarations, applications and any documents usually submitted in paper form were replaced by documents filled in electronically. In June 2021, we completed the process of switching to electronic processing of applications submitted by employees for medical care and MultiSport card benefits. We also implemented a new processing procedure for the Employee Pension Scheme – all documents that had been previously submitted in paper form were replaced by electronic filings. These actions result in significant savings in paper consumption.

Refurbishment of BGK’s registered office

In 2020, the refurbishment of BGK’s registered office began, as part of which environmentally friendly solutions (e.g. green energy production) and solutions increasing the energy efficiency of the building, enhancing security or raising the working standard will be implemented. These will include:

environmental protection:

  • low-volume automatic greenery irrigation system – a droplet system instead of sprinklers,
  • grey water – water treatment that does not require chemicals;

energy management:

  • integration of electrical, heating and air-conditioning systems,
  • controlling heating, cooling and regulating climate parameters,
  • controlling rollers and gate actuators,
  • lighting control,
  • integration with the BMS platform,
  • production of own energy from renewable sources,
  • more efficient management of utilities (assessment of current energy consumption in relation to expected levels);

green energy – energy obtained from solar systems:

  • solar energy – approximately 38.41 MWh per year

reduction of emissions:

  • charging stations for scooters and electric bicycles will be opened;

energy consumption for cooling purposes:

  • modern, green, integrated ventilation and air-conditioning system for the entire building,
  • equipment used for both heating and cooling,
  • high thermal comfort in the winter,
  • natural airflow in cooling mode,
  • uniform temperature distribution;

high insulating capacity of partitions:

  • high insulating capacity of windows, walls and the roof,
  • high insulating capacity of rooflights,
  • integrated blinds installed inside sealed glass units (sunlight control – adjustment of intensity);

hybrid cooling (hybrid adiabatic coolers):

  • low energy consumption,
  • high efficiency,
  • reduction of noise;

energy recovery:

  • increased energy efficiency of the building thanks to heat recovery;

energy efficient lifts:

  • reduced standby energy consumption,
  • door drive switched off when the lift is stopped,
  • smart control systems,
  • switching off cabin lighting and application of LED lighting;

For the duration of the refurbishment, the Bank’s office was transferred to Varso 2 – a modern office and retail building awarded with BREEAM and WELL certificates for the application of modern energy efficient solutions. Solutions used at the Varso 2 building: 100% of LED lighting, cooling energy produced by closed cooling towers with spraying option, promotion of alternative communication solutions, such as the availability of extensive bicycle infrastructure or a charging station for electric scooters.

Moreover, the electricity purchased to power the charging station for electric scooters has a green certificate. As regards water savings, a high-pressure water spray system is used in the building, green areas on terraces are watered with grey water (rainwater), and aerators are used in all taps in the restrooms.

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In 2021, no penalties and non-financial sanctions were imposed on BGK for non-compliance with environmental laws and/or regulations.