Sustainability

At Imperia Bank, we recognize that our success is deeply rooted in the trust and support of our valued customers. We are committed to delivering services that fulfill the needs of the present without compromising the ability of future generations to meet theirs. Our comprehensive Sustainability framework integrates environmental, social, and governance (ESG) considerations into all decision-making and corporate planning processes.

Our primary objective is to serve our shareholders, customers, and employees responsibly. Operating sustainably and fostering a culture of sustainability are central to our mission. We strive to contribute to a more sustainable society and continually enhance our positive impact by:

• Implementing an Environmental and Social Risk Management System: We believe that responsible lending necessitates robust environmental, social, and governance considerations. Therefore, we have developed a comprehensive program to integrate environmental and social (E&S) risk assessments into our credit underwriting and appraisal processes. This ensures that potential negative socio-economic impacts and environmental concerns associated with our lending practices are identified and mitigated, engaging project proponents to establish corrective measures when necessary.

• Reducing Our Internal Carbon Footprint: We take responsibility for the carbon emissions resulting from our activities. To address this, we are implementing innovative solutions aimed at reducing our carbon footprint across our operations and key resource utilizations, contributing to global climate change mitigation efforts.

• Ensuring Resource Efficiency: Understanding the importance of resource efficiency for both our bank and the broader economic growth, we are dedicated to promoting practices that support a circular economy. Our operations and client engagements are designed to minimize waste and optimize resource utilization.

• Promoting Gender Equality through Diversity and Inclusion: We are committed to equality and fairness, irrespective of age, gender, or ethnicity. In response to societal demands for gender-smart solutions, we prioritize inclusion and diversity within our organization. Our operations and financing decisions actively incorporate considerations of gender equality and diversity as part of our sustainability commitment.

• Advancing Financial Inclusion: Our mission is to provide accessible, affordable, and inclusive financial services to all, breaking down socio-economic barriers. We are developing innovative financing and business models aimed at serving the unbanked and underbanked populations, ensuring that our services are within reach of everyone.

• Upholding Good Corporate Governance and Ethical Standards: We pursue business opportunities with a steadfast commitment to accountability and ethical integrity. Adhering to good corporate governance practices, we foster an environment of trust and transparency. We maintain strict measures to avoid engagements with entities involved in unethical practices, ensuring the integrity of our operations.

At Imperia Bank, sustainability is not just a concept; it is a guiding principle that informs our strategies and operations and drives us toward a more sustainable and equitable future.