Greenhouse gas emissions are calculated based on the GHG Protocol standard. Emissions included in scope 2 are calculated with use of the “Location based” method. The reported data is limited to data collected from companies: mBank (including the branches in Czech Republic and Slovakia), mBank Hipoteczny, mLeasing, mFinanse and mFaktoring. The range of reporting on CO2 comprises of:
- direct emissions derived from fuel combustion in own energy sources and vehicles,
- indirect emissions derived from fuel combustion while generating the electricity acquired by the bank.
The data concerning the emission indicators come from records prepared by the English government agency DEFRA and The National Centre for Emissions Management (KOBiZE).
Direct greenhouse gas emissions (scope 1):
Indirect greenhouse gas emissions from the generation of acquired and consumed electricity, steam, heat, or cooling (collectively referred to as “electricity”) (scope 2):
Intensity of greenhouse gas emission indicators (scope 1+2):
| Key performance indicators (mBank Group) | 2018 | 2019 | 2020 |
|---|---|---|---|
| Scope 1 and 2 emission per employee (Mg CO2e/ person*) | 1.73 | 1.88 | 1.13 |
| Scope 1 and 2 emission per PLN 1 million of income (Mg CO2e/ PLN 1 million of income) | 3.22 | 2.79 | 1.60 |
* Number of employees hired at the end of the year (including employees who are taking a long-term leave, excluding: employees hired based on replacement employment contract, interns and trainees, employees in technical ‘accessible’ posts)
We mitigate our direct impact by digitalizing processes as well as bank and operational activities, reducing consumption of energy, water and paper, eliminating plastics, better segregation of garbage. We have reduced our consumption of utilities notably after the relocation to a single headquarters building in Łódź from 6 different premises. We are implementing a similar strategy in Warsaw. The design of our new office buildings accommodates highest standards of multicriteria certificates, e.g. BREEAM Excellent – Przystanek mBank Łódź, Wieża mBank in Warsaw. We regularly modernize technical installations in the branches of the bank – mostly they encompass switching to LED lamps, swapping outdated air-condition and ventilation systems with systems integrating ecological refrigerants and systems conserving energy (recuperation, inverters). The result of the COVID-19 pandemic is adapting the system of work to home office, which led to reducing the number of office desks and accompanying furniture by around -30% in our new Wieża mBank building.
We have contracted the purchase of energy from renewable sources which acquired EKO Premium Tauron certificate for the largest facilities of the headquarters in Warsaw (Wieża mBank) and Łódź (Przystanek mBank) for 2021.
All indirect greenhouse gas emissions (not included in scope 2) that occur in the value chain of the reporting company, including both upstream and downstream emissions (Scope 3):
in 2020 we have cooperated in a working group convened by the Polish Association of Listed Companies, the Polish Bank Association, Polish Chamber of Insurance, and the Reporting Standards Foundation. The aim of the group was to conceive solutions facilitating the transmission of data (for the companies), collecting and processing it (for the financial institutions) in line with the obligations arising from the Regulation (EU) 2019/2088 of The European Parliament and of The Council of 27 November 2019 on sustainability‐related disclosures in the financial services sector. One of the areas addressed in it is GHG emission (including scope 3). The outcome of the group’s work will come in handy when we measure the amount of GHG emission in our value chain.
In January 2021 we have organized workshops together with external specialists on measuring the carbon footprint of our organization. We have identified the main emission sources for the Group. We are working on the improvement of the calculation process at the bank in order to consistently incorporate the GHG emissions of our corporate loan portfolio’s in the calculations.
In order to stop and reverse the negative effects of climate and environmental changes we encourage our clients to adopt environmentally-friendly attitude. To achieve that we hold social campaigns which popularize ecology. The campaigns are addressed predominantly to the retail customers. We aspire to, among others, reduce our clients’ usage of plastics and paper. To achieve that, we have introduced two plastic-less cards in 2020. One of them is the virtual e-Card meant for internet shopping. Up until now the clients could use traditional, tangible e-Card. Since April 2020, they have the option to choose either the virtual card or the tangible card. The bank is actively promoting the latter solution, which is ecological and safe. The other crucial step was to provide the new and current clients with the traditional debit card in a plastic-less form – Mobile MC. The data is saved in the mobile app instead of the plastic card which enables online transactions. ATM withdrawals and transactions at the stores are conducted based on NFC protocols. In 2020 we have relinquished the paper leaflets which allows us to conserve 5 tons of paper annually. Additionally, introduction of print management system and moving most of employees to remote work system permitted us to save 4 million of A4 sheets. The adjustment of rules of postal correspondence with clients is also in progress at mBank. We make broader use of the remote channels (transaction service, mobile app, e-mail, text messages). We inquire the clients to update their e-mail address in order to eliminate unnecessary postal correspondence.