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Responsible Environmental and Climate Operations

Published on:

19 September, 2025

Our Commitment and the Role We All Play

At CrediaBank, we are committed to effectively managing climate-related risks, aiming to ensure long-term value for our shareholders and all stakeholders.

At the same time, we focus on identifying and leveraging opportunities that lead toward a green and sustainable economy.

We recognize the critical role we play in mitigating climate change through our operations and value chain.

We are dedicated to actively contributing to this transition by offering specialized financing solutions and supporting our clients’ sustainability efforts.

In doing so, we strengthen the transition to a sustainable business model, which stands as a core pillar of our strategy.

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Climate Risk Management

Climate risk management is a fundamental part of our commitment to responsible banking.

At CrediaBank, we recognize that climate change represents one of the most significant risks for businesses, society, and the financial sector as a whole.

For this reason, we identify and assess climate-related issues through our Double Materiality Assessment, ensuring that both the financial and non-financial impacts of climate change are properly understood and addressed.

At the same time, we have integrated climate adaptation criteria into the “Credit Policy Manual – Business Lending”, so that decision-making takes into account not only the creditworthiness of borrowers, but also environmental, social, and governance (ESG) factors.

The Group has established a Climate & Environmental Risk Management Policy (C&E Risks Policy), ensuring that such risks are evaluated over the short-, medium-, and long-term horizons. The objective is to mitigate the impact of climate and environmental risks by incorporating them into the strategy, business model, and portfolio sustainability of CrediaBank through sound governance and effective risk management processes.

Sustainable Finance

We incorporate sustainability (ESG) criteria into our financing by supporting projects and initiatives that drive sustainable development, in line with our established Sustainable Finance Framework.

Our Sustainable Finance Framework sets out the principles and criteria for funding projects and businesses that contribute to a sustainable future. It is fully aligned with the EU Taxonomy, the ICMA Green, Social, and Sustainability Bond Principles, and ESG best practices, ensuring transparency, credibility, and accountability.

We actively promote the transition to a climate-neutral and resilient economy by financing projects that reduce carbon emissions, enhance energy efficiency, and generate positive social impact.

Climate Change Mitigation

Our Contribution to Climate Change Mitigation

At CrediaBank, we actively work to establish clear climate-related goals that guide our efforts to reduce climate risks and enhance our positive environmental impact.

We systematically monitor our environmental performance, tracking energy consumption and greenhouse gas emissions.

We employ internationally recognized methodologies, such as ISO 14064-1:2018, and utilize data reported in our Annual Report under the National Climate Law (Law 4936/2022).

We are committed to reducing our environmental footprint by recording and disclosing both our direct and indirect emissions.

Through the implementation of sustainable practices and participation in energy-saving programs, we continuously work to lower our energy consumption and overall environmental impact.

We fully comply with the EU Disclosure Regulation 2021/2178. As part of this, we publish our Green Asset Ratio (GAR), reflecting the proportion of our assets invested in environmentally sustainable economic activities, in alignment with the EU Taxonomy.

In this way, the Group demonstrates in practice that climate change mitigation is a core commitment and a strategic priority.