Mandatory disclosures under the Taxonomy Regulation

GRI[

3-3

]

Taxonomic indicators – Disclosures required by Regulation (EU) 2020/852 of the European Parliament and of the Council

Disclosures on key performance indicators

In accordance with the Regulation (EU) 2020/852 of the European Parliament and of the Council of 18 June 2020 on the establishment of a framework to facilitate sustainable investment, and amending Regulation (EU) 2019/2088 (Taxonomy Regulation, hereinafter referred to as “Taxonomy” or “EU Taxonomy”) and its implementing acts:

Commission Delegated Regulation (EU) 2021/2178 of 6 July 2021 supplementing Regulation (EU) 2020/852 of the European Parliament and of the Council by specifying the content and presentation of information to be disclosed by undertakings subject to Articles 19a or 29a of Directive 2013/34/EU concerning environmentally sustainable economic activities, and specifying the methodology to comply with that disclosure obligation (Regulation 2021/2178)¹,
Commission Delegated Regulation (EU) 2021/2139 of 4 June 2021 supplementing Regulation (EU) 2020/852 of the European Parliament and of the Council by establishing the technical screening criteria for determining the conditions under which an economic activity qualifies as contributing substantially to climate change mitigation or climate change adaptation and for determining whether that economic activity causes no significant harm to any of the other environmental objectives, amended by Commission Delegated Regulation (EU) 2023/2485 of 27 June 2023².

¹ ^{Commission Delegated Regulation (EU) 2023/2486 of 27 June 2023 supplementing Regulation (EU) 2020/852 of the European Parliament and of the Council by establishing the technical screening criteria for determining the conditions under which an economic activity qualifies as contributing substantially to the sustainable use and protection of water and marine resources, to the transition to a circular economy, to pollution prevention and control, or to the protection and restoration of biodiversity and ecosystems and for determining whether that economic activity causes no significant harm to any of the other environmental objectives and amending Commission Delegated Regulation (EU) 2021/2178 as regards specific public disclosures for those economic activities}

² ^{Commission Delegated Regulation (EU) 2023/2485 of 27 June 2023 amending Delegated Regulation (EU) 2021/2139 establishing additional technical screening criteria for determining the conditions under which certain economic activities qualify as contributing substantially to climate change mitigation or climate change adaptation and for determining whether those activities cause no significant harm to any of the other environmental objectives}

In its 2023 disclosures, Pekao S.A. Group (“Group”), as a capital group whose controlling entity is a credit institution, is obliged to disclose Key Performance Indicators (KPIs) for alignment with systematics in relation to the two climate objectives:

CCM – climate change mitigation,
CCA – climate change adaptation.

Contextual information in support of the quantitative indicators, including the scope of assets and activities covered by key performance indicators, information on data sources and limitation

Green asset ratio

The green asset ratio shows the proportion of assets related to taxonomy-aligned economic activities in relation to total covered assets.

Pursuant to the Regulation 2021/2178, in the green asset ratio calculation, the following were included in the numerator:

exposures from loans or advances, debt and equity instruments to financial undertakings subject to NFRD disclosure obligations,
exposures from loans or advances, debt and equity instruments to non-financial undertakings subject to NFRD disclosure obligations,
exposures to households, including:
- loans collateralised by residential immovable property,
- building renovation loans,
local governments financing.

It should be noted that in accordance with Regulation 2021/2178, the following are excluded from the numerator and included in the denominator of the green asset ratio:

exposure towards non-financial undertakings not subject to the NFRD (including SMEs)³ – all entities to which the Group provides financing or holds instruments not subject to NFRD disclosure obligations and engage non-financial activities;
exposures towards non-financial, non-NFRD, non-EU undertakings;
gross carrying amount of:
- derivatives,
- on-demand interbank loans,
cash and cash-related assets;
other categories of assets (goodwill, commodities etc.);

^{3 Directive 2014/95/EU of the European Parliament and of the Council of 22 October 2014 amending Directive 2013/34/EU as regards disclosure of non-financial and diversity information by certain large undertakings and groups}

The following are not included in the calculation of the green asset ratio:

exposures to central governments and supranational issuers,
exposures to central banks,
trading portfolio.

Key performance indicators for off-balance sheet exposures

Key performance indicators for off-balance sheet exposures are supplementary metrics that illustrate the extent to which
off-balance sheet positions of the Group, such as:

financial guarantees backing loans and advances, as well as debt securities towards undertakings subject to NFRD disclosure obligations,
assets under management (equity and debt instruments) from undertakings subject to NFRD disclosure obligations,

The green ratio for financial guarantees to undertakings is the proportion of financial guarantees supporting loans, advances and debt securities financing taxonomy-aligned economic activities compared to all financial guarantees supporting loans, advances and debt securities to undertakings.

The green ratio for assets under management is the proportion of assets under management (equity and debt instruments) from undertakings financing taxonomy-aligned economic activities, compared to total assets under management (equity instruments, debt instruments and other assets).

Financing of undertakings subject to non-financial information reporting obligations according to the Directive on Non-Financial Reporting

For the purpose of disclosing key performance indicators, the Bank and its subsidiaries analyzed their exposures to financial and non-financial undertakings to identify which of them are subject to an obligation to publish non-financial information as required by Directive 2014/95/EU of the European Parliament and of the Council (hereinafter “NFRD”), and determined the gross carrying amount of exposures from loans and advances, debt securities and equity instruments in the banking book separately for each identified entity as of 31.12.2023.

With respect to general-purpose financing, the Group determined the gross carrying amount of taxonomy-eligible and taxonomy-aligned exposures for undertakings required to report under the NFRD based on key performance indicators published by the Group’s customers as part of their taxonomy disclosures for 2022.

With regard to financings with a specific purpose of use of proceeds, the Group, based on an analysis of the purpose of the financing, identified taxonomy-eligible financings, which it further evaluated for alignment with the Taxonomy. The taxonomy-alignment assessment included an analysis of the fulfillment of the technical screening criteria, DNSH (Do Not Significant Harm) principle and the fulfillment of the minimum safeguards.

With regard to the assessment of the technical screening criteria and DNSH, the Group has developed internal instructions for assessing alignment with technical screening criteria for selected activities that are the most common object of corporate financing. The assessment process was carried out based on data and information held by the Group, obtained in the process of providing financing and monitoring, as well as additional information obtained from the Bank’s customers for this purpose at the stage of developing disclosures.

With regard to assessing compliance with the minimum safeguards, the Group based its assessment on information disclosed by customers in Taxonomy disclosures.

In the absence of adequate data to reliably assess the fulfillment of the technical screening criteria, the Bank assessed the eligibility for the Taxonomy of a given exposure.

The Group is working to implement appropriate changes to its credit processes to enable the acquisition of relevant data to assess taxonomy-eligibility and taxonomy-alignment at the stage of financing in subsequent periods.

Financing of households

For the purpose of calculating the green asset ratio, the Group classified its portfolio of residential real estate loans (collateralised by residential immovable properties) granted to households as taxonomy-eligible and assessed taxonomy-alignment by verifying compliance with the criteria set forth in Section 7.7. (Acquisition and ownership of buildings) of the technical screening criteria for the climate change mitigation objective contained in Annex I to Regulation 2021/2139.

The assessment of taxonomy-alignment included verification of compliance with the technical screening criteria for climate change mitigation objective and the criteria for the DNSH principle.

In order to assess the fulfillment of the technical screening criteria for buildings constructed before 31st of December 2020, the Group assessed whether the collateralised building is among the 15% most energy efficient buildings in the country or region in terms of primary energy demand (PED), i.e. whether the building has a primary energy demand of less than 76.59 kWh/(m2*year), according to a communication from the Ministry of Development and Technology1. The Group used data from the Central Register of Energy Performance of Buildings, maintained by the Minister of Development and Technology, as a source of information on the primary energy demand of buildings securing mortgages.

In order to assess the fulfillment of the technical screening criteria for buildings constructed after 31st of December 2020, the Group assessed whether the collateralised building demonstrates a primary energy demand at least 10% lower than the threshold set for the requirements for nearly-zero energy buildings, i.e. the requirements set forth in the Regulation of the Minister of Infrastructure of 12th of April 2002 on technical conditions to be met by buildings and their location. The requirements of the Regulation specify the maximum levels of primary energy demand for nearly-zero energy buildings separately for multi-family and single-family buildings in terms of partial energy values (separately for energy for heating and ventilation, domestic hot water and cooling). Therefore, the assessment was made on the basis of the partial energy values indicated in the energy performance certificate. Exposures from contracts for which the Group did not hold certificates were disclosed as taxonomy-eligible but taxonomy-non-aligned.

For properties that were classified as meeting technical screening criteria as a result of the above assessment process, the Group conducted an analysis of meeting the criteria for the DNSH principle by analyzing the properties’ exposure to physical risks (which includes flood and landslide risks) and the materiality of these risks in accordance with the Group’s methodology. As part of the assessment, the Group took into account such issues as the property’s address, year of construction, floor of the premises, and type of building. Buildings were considered to meet DNSH criteria if the analysis results indicated no exposure to physical risks or if the exposure to physical risks was deemed low according to the adopted methodology.

^{4 https://www.gov.pl/web/rozwoj-technologia/Taksonomia-zrownowazonego-finansowania-inwestycji-budynki}

Local government financing

For the purpose of disclosing key performance indicators, the Bank reviewed its portfolio of exposures to local governments, from which it selected financings with a specific use of proceeds that fall within the scope of the green asset ratio.

Based on the analysis of the purpose of the financing, the Group identified selected financings for local governments taxonomy-eligible, which it further evaluated for alignment with the Taxonomy. The alignment assessment included an analysis of the fulfillment of the technical screening criteria, the DNSH principle criteria, and the fulfillment of the minimum safeguards.

In relation to the assessment of technical screening criteria and DNSH, the Group developed internal compliance assessment instructions with technical qualification criteria for activities constituting the most common subject of financing granted for local government entities. The assessment process based on data and information held by the Group, obtained during the credit and monitoring processes, as well as additional detailed information obtained from the Bank’s clients for this purpose during the disclosure development stage. The actions taken allowed the identification of a portfolio of exposures potentially taxonomy-aligned. However, due to the need to obtain documentation confirming the information held and the results of the assessment, the Bank did not disclose the aforementioned financing as taxonomy-aligned in the 2023 disclosure, listing them solely
as exposures eligible for the Taxonomy.

In the absence of adequate data to reliably assess the fulfillment of the technical screening criteria, the Bank limited the analysis to the assessment of eligibility for the Taxonomy of a given exposure.

The Bank is working to implement appropriate changes to its credit processes to enable the acquisition of relevant data
to assess eligibility and alignment with the Taxonomy at the stage of financing in subsequent periods.

As of 31 December 2023, the Group has not identified in its financing portfolio exposures to local governments related to public housing.

Disclosures of key performance indicators in accordance with Annex VI to Regulation 2021/2178

Below, the Group presents disclosures of key performance indicators in accordance with the scope of mandatory disclosures for the year 2023 as set forth in Templates 1-5 of Annex VI to Regulation 2021/2178. In accordance with point 1.1.1 of Annex V to Regulation 2021/2178, the disclosures have been presented on a consolidated basis in line with the prudential consolidation scope of the Group. The value of total assets presented in the following disclosures is equal to the gross carrying amount of total assets as of 31 December 2023.

The exposure value in the disclosures below has been converted using the average exchange rate of the National Bank of Poland as of December 31, 2023.

		Total environmentally sustainable activities	KPI	% coverage (over total assets)	% of assets excluded from the numerator of the GAR (Article 7(2) and (3) and Section 1.1.2. of Annex V)	% of assets excluded from the denominator of the GAR (Article 7(1) and Section 1.2.4 of Annex V)
Additional KPIs	GAR (flow)	45	0.30%	75.06%	48.32%	24.94%
	Financial guarantees	0	0.00%
	Assets under management	12	3.17%

		a	b	c	d	e	f	g	h	i	j	k	l	m	n	o	p
Million EUR		31.12.2023
		Total (gross) carrying amount	Climate Change Mitigation (CCM)					Climate Change Adaptation (CCA)					TOTAL (CCM + CCA)
			Of which towards taxonomy relevant sectors (Taxonomy-eligible)					Of which towards taxonomy relevant sectors (Taxonomy-eligible)					Of which towards taxonomy relevant sectors (Taxonomy-eligible)
				Of which environmentally sustainable (Taxonomy-aligned)					Of which environmentally sustainable (Taxonomy-aligned)					Of which environmentally sustainable (Taxonomy-aligned)
					Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling
	GAR – Covered assets in both numerator and denominator
1	Loans and advances, debt securities and equity instruments not HfT eligible for GAR calculation	22,508	14,287	232	0	3	45	568	5	0	0	5	14,287	237	0	3	50
2	Financial undertakings	218	34	0	0	0	0	34	0	0	0	0	34	0	0	0	0
3	Credit institutions	218	34	0	0	0	0	34	0	0	0	0	34	0	0	0	0
4	Loans and advances	218	34	0	0	0	0	34	0	0	0	0	34	0	0	0	0
5	Debt securities, including UoP	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
6	Equity instruments	0	0	0		0	0	0	0		0	0	0	0		0	0
7	Other financial corporations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
8	of which investment firms	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
9	Loans and advances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
10	Debt securities, including UoP	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
11	Equity instruments	0	0	0		0	0	0	0		0	0	0	0		0	0
12	of which management companies	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
13	Loans and advances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
14	Debt securities, including UoP	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
15	Equity instruments	0	0	0		0	0	0	0		0	0	0	0		0	0
16	of which insurance undertakings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
17	Loans and advances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
18	Debt securities, including UoP	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
19	Equity instruments	0	0	0		0	0	0	0		0	0	0	0		0	0
20	Non-financial undertakings	2,085	282	81	0	3	45	282	5	0	0	5	282	86	0	3	50
21	Loans and advances	1,744	245	53	0	2	26	245	5	0	0	5	245	58	0	2	31
22	Debt securities, including UoP	339	35	28	0	0	19	35	0	0	0	0	35	28	0	0	19
23	Equity instruments	2	1	0		0	0	1	0		0	0	1	0		0	0
24	Households	19,850	13,719	151	0	0	0	0	0	0	0	0	13,719	151	0	0	0
25	of which loans collateralised by residential immovable property	13,721	13,719	151	0	0	0	0	0	0	0	0	13,719	151	0	0	0
26	of which building renovation loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
27	of which motor vehicle loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
28	Local governments financing	356	252	0	0	0	0	252	0	0	0	0	252	0	0	0	0
29	Housing financing	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
30	Other local government financing	356	252	0	0	0	0	252	0	0	0	0	252	0	0	0	0
31	Collateral obtained by taking possession: residential and commercial immovable properties	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
32	Assets excluded from the numerator for GAR calculation (covered in the denominator)	27,847
33	Financial and Non-financial undertakings	19,996
34	SMEs and NFCs (other than SMEs) not subject to NFRD disclosure obligations	19,685
35	Loans and advances	16,830
36	of which loans collateralised by commercial immovable property	4,450
37	of which building renovation loans	0
38	Debt securities	2,737
39	Equity instruments	118
40	Non-EU country counterparties not subject to NFRD disclosure obligations	311
41	Loans and advances	237
42	Debt securities	26
43	Equity instruments	48
44	Derivatives	185
45	On demand interbank loans	130
46	Cash and cash-related assets	918
47	Other categories of assets (e.g. Goodwill, commodities etc.)	6,619
48	Total GAR assets	50,356	14,287	232	0	3	45	568	5	0	0	5	14,287	237	0	3	50
49	Assets not covered for GAR calculation	22,241
50	Central governments and Supranational issuers	13,331
51	Central banks exposure	6,431
52	Trading book	2,479
53	Total assets	72,596	14,287	232	0	3	45	568	5	0	0	5	14,287	237	0	3	50
Off-balance sheet exposures – Undertakings subject to NFRD disclosure obligations
54	Financial guarantees	7,067	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
55	Assets under management	391	38	11	0	0	6	33	1	0	1	0	71	12	0	1	6
56	Of which debt securities	2	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
57	Of which equity instruments	389	38	11	0	0	6	33	1	0	1	0	39	0	0	0	6

	a	b	c	h	i	n	o
	Breakdown by sector – NACE 4 digits level (code and label)	Climate Change Mitigation (CCM)		Climate Change Adaptation (CCA)		TOTAL (CCM + CCA)
		Non-Financial corporates (Subject to NFRD)		Non-Financial corporates (Subject to NFRD)		Non-Financial corporates (Subject to NFRD)
		[Gross] carrying amount		[Gross] carrying amount		[Gross] carrying amount
		Mn EUR	Of which environmentally sustainable (CCM)	Mn EUR	Of which environmentally sustainable (CCA)	Mn EUR	Of which environmentally sustainable (CCM + CCA)
1	B05.10	10	0	10	0	10	0
2	B07.29	460	5	460	0	460	5
3	C10.11	16	0	16	0	16	0
4	C10.13	5	0	5	0	5	0
5	C15.20	0	0	0	0	0	0
6	C16.10	3	0	3	0	3	0
7	C17.12	5	0	5	0	5	0
8	C19.20	77	1	77	0	77	1
9	C20.15	109	0	109	0	109	0
10	C20.16	0	0	0	0	0	0
11	C20.30	13	0	13	0	13	0
12	C22.11	1	0	1	0	1	0
13	C23.20	6	0	6	0	6	0
14	C23.51	0	0	0	0	0	0
15	C23.61	8	0	8	2	8	2
16	C24.42	11	3	11	0	11	3
17	C25.93	7	0	7	0	7	0
18	C26.11	14	0	14	0	14	0
19	C27.12	0	0	0	0	0	0
20	C28.21	2	0	2	0	2	0
21	C28.41	0	0	0	0	0	0
22	C28.92	35	3	35	0	35	3
23	C29.20	0	0	0	0	0	0
24	C33.20	0	0	0	0	0	0
25	D35.11	82	9	82	0	82	9
26	D35.14	345	33	345	0	345	33
27	F41.20	6	0	6	0	6	0
28	F42.11	3	0	3	0	3	0
29	F42.12	2	0	2	0	2	0
30	F43.39	3	0	3	0	3	0
31	F43.99	0	0	0	0	0	0
32	G45.31	146	0	146	0	146	0
33	G46.32	0	0	0	0	0	0
34	G46.42	0	0	0	0	0	0
35	G46.46	94	0	94	0	94	0
36	G46.72	0	0	0	0	0	0
37	G46.75	35	0	35	2	35	2
38	G46.90	77	0	77	0	77	0
39	G47.11	26	0	26	0	26	0
40	G47.41	1	0	1	0	1	0
41	G47.71	67	0	67	0	67	0
42	G47.72	21	0	21	0	21	0
43	H49.20	68	17	68	0	68	17
44	H53.20	17	1	17	0	17	1
45	I56.10	69	0	69	0	69	0
46	J61.30	49	1	49	0	49	1
47	J62.01	8	0	8	0	8	0
48	K64.20	93	3	93	0	93	3
49	M70.10	48	5	48	0	48	5
50	M72.11	30	1	30	0	30	1
51	N77.40	0	0	0	0	0	0
52	N82.91	8	0	8	0	8	0
53	Q86.22	2	0	2	0	2	0
54	S96.09	0	0	0	0	0	0

		a	b	c	d	e	f	g	h	i	j	k	l	m	n	o	p
% (compared to total covered assets in the denominator)		31.12.2023
		Climate Change Mitigation (CCM)					Climate Change Adaptation (CCA)					TOTAL (CCM + CCA)					Proportion of total assets covered
		Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)
			Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)
				Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling
GAR – Covered assets in both numerator and denominator
1	Loans and advances, debt securities and equity instruments not HfT eligible for GAR calculation	28.37%	0.46%	0.00%	0.01%	0.09%	1.13%	0.01%	0.00%	0.00%	0.01%	28.37%	0.47%	0.00%	0.01%	0.10%	31.00%
2	Financial undertakings	0.07%	0.00%	0.00%	0.00%	0.00%	0.07%	0.00%	0.00%	0.00%	0.00%	0.07%	0.00%	0.00%	0.00%	0.00%	0.30%
3	Credit institutions	0.07%	0.00%	0.00%	0.00%	0.00%	0.07%	0.00%	0.00%	0.00%	0.00%	0.07%	0.00%	0.00%	0.00%	0.00%	0.30%
4	Loans and advances	0.07%	0.00%	0.00%	0.00%	0.00%	0.07%	0.00%	0.00%	0.00%	0.00%	0.07%	0.00%	0.00%	0.00%	0.00%	0.30%
5	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
6	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
7	Other financial corporations	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
8	of which investment firms	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
9	Loans and advances	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
10	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
11	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
12	of which management companies	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
13	Loans and advances	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
14	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
15	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
16	of which insurance undertakings	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
17	Loans and advances	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
18	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
19	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
20	Non-financial undertakings	0.56%	0.16%	0.00%	0.01%	0.09%	0.56%	0.01%	0.00%	0.00%	0.01%	0.56%	0.17%	0.00%	0.01%	0.10%	2.87%
21	Loans and advances	0.49%	0.10%	0.00%	0.00%	0.05%	0.49%	0.01%	0.00%	0.00%	0.01%	0.49%	0.11%	0.00%	0.00%	0.06%	2.40%
22	Debt securities, including UoP	0.07%	0.05%	0.00%	0.00%	0.04%	0.07%	0.00%	0.00%	0.00%	0.00%	0.07%	0.05%	0.00%	0.00%	0.04%	0.47%
23	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
24	Households	27.24%	0.30%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	27.24%	0.30%	0.00%	0.00%	0.00%	27.34%
25	of which loans collateralised by residential immovable property	27.24%	0.30%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	27.24%	0.30%	0.00%	0.00%	0.00%	18.90%
26	of which building renovation loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
27	of which motor vehicle loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
28	Local governments financing	0.50%	0.00%	0.00%	0.00%	0.00%	0.50%	0.00%	0.00%	0.00%	0.00%	0.50%	0.00%	0.00%	0.00%	0.00%	0.49%
29	Housing financing	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
30	Other local government financing	0.50%	0.00%	0.00%	0.00%	0.00%	0.50%	0.00%	0.00%	0.00%	0.00%	0.50%	0.00%	0.00%	0.00%	0.00%	0.49%
31	Collateral obtained by taking possession: residential and commercial immovable properties	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
32	Total GAR assets	28.37%	0.46%	0.00%	0.01%	0.09%	1.13%	0.01%	0.00%	0.00%	0.01%	28.37%	0.47%	0.00%	0.01%	0.10%	69.36%

		a	b	c	d	e	f	g	h	i	j	k	l	m	n	o	p
% (compared to flow of total eligible assets)		31.12.2023
		Climate Change Mitigation (CCM)					Climate Change Adaptation (CCA)					TOTAL (CCM + CCA)					Proportion of total new assets covered
		Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)
			Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)
				Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling
	GAR – Covered assets in both numerator and denominator
1	Loans and advances, debt securities and equity instruments not HfT eligible for GAR calculation	8.30%	0.28%	0.00%	0.02%	0.13%	1.58%	0.02%	0.00%	0.00%	0.02%	8.30%	0.30%	0.00%	0.02%	0.15%	26.74%
2	Financial undertakings	0.15%	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.00%	0.80%
3	Credit institutions	0.15%	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.00%	0.80%
4	Loans and advances	0.15%	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.00%	0.15%	0.00%	0.00%	0.00%	0.00%	0.80%
5	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
6	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
7	Other financial corporations	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
8	of which investment firms	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
9	Loans and advances	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
10	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
11	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
12	of which management companies	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
13	Loans and advances	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
14	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
15	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
16	of which insurance undertakings	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
17	Loans and advances	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
18	Debt securities, including UoP	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
19	Equity instruments	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%
20	Non-financial undertakings	0.97%	0.18%	0.00%	0.02%	0.13%	0.97%	0.02%	0.00%	0.00%	0.02%	0.97%	0.20%	0.00%	0.02%	0.15%	5.74%
21	Loans and advances	0.92%	0.17%	0.00%	0.02%	0.13%	0.92%	0.02%	0.00%	0.00%	0.02%	0.92%	0.19%	0.00%	0.02%	0.14%	5.54%
22	Debt securities, including UoP	0.03%	0.01%	0.00%	0.00%	0.01%	0.03%	0.00%	0.00%	0.00%	0.00%	0.03%	0.01%	0.00%	0.00%	0.01%	0.19%
23	Equity instruments	0.01%	0.00%		0.00%	0.00%	0.01%	0.00%		0.00%	0.00%	0.01%	0.00%		0.00%	0.00%	0.01%
24	Households	6.72%	0.10%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.72%	0.10%	0.00%	0.00%	0.00%	19.65%
25	of which loans collateralised by residential immovable property	6.47%	0.10%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.47%	0.10%	0.00%	0.00%	0.00%	4.86%
26	of which building renovation loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
27	of which motor vehicle loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
28	Local governments financing	0.47%	0.00%	0.00%	0.00%	0.00%	0.47%	0.00%	0.00%	0.00%	0.00%	0.47%	0.00%	0.00%	0.00%	0.00%	0.54%
29	Housing financing	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
30	Other local government financing	0.47%	0.00%	0.00%	0.00%	0.00%	0.47%	0.00%	0.00%	0.00%	0.00%	0.47%	0.00%	0.00%	0.00%	0.00%	0.54%
31	Collateral obtained by taking possession: residential and commercial immovable properties	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
32	Total GAR assets	8.30%	0.28%	0.00%	0.02%	0.13%	1.58%	0.02%	0.00%	0.00%	0.02%	8.30%	0.30%	0.00%	0.02%	0.15%	75.06%

		a	b	c	d	e	f	g	h	i	j	k	l	m	n	o
% (compared to total eligible off-balance sheet assets)		31.12.2023
		Climate Change Mitigation (CCM)					Climate Change Adaptation (CCA)					TOTAL (CCM + CCA)
		Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)
			Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)
				Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling
1	Financial guarantees (FinGuar KPI)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2	Assets under management (AuM KPI)	9.77%	2.85%	0.00%	0.00%	1.48%	8.37%	0.32%	0.00%	0.30%	0.02%	18.15%	3.17%	0.00%	0.30%	1.50%

		a	b	c	d	e	f	g	h	i	j	k	l	m	n	o
% (compared to flow of total eligible off-balance sheet assets)		31.12.2023
		Climate Change Mitigation (CCM)					Climate Change Adaptation (CCA)					TOTAL (CCM + CCA)
		Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-eligible)
			Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)					Proportion of total covered assets funding taxonomy relevant sectors (Taxonomy-aligned)
				Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling			Of which Use of Proceeds	Of which transitional	Of which enabling
1	Financial guarantees (FinGuar KP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
2	Assets under management (AuM KPI)	9.01%	4.62%	0.00%	0.00%	2.09%	6.40%	0.65%	0.00%	0.63%	0.03%	9.40%	0.00%	0.00%	0.05%	2.12%

		Total environmentally sustainable activities	KPI	% coverage (over total assets)	% of assets excluded from the numerator of the GAR (Article 7(2) and (3) and Section 1.1.2. of Annex V)	% of assets excluded from the denominator of the GAR (Article 7(1) and Section 1.2.4 of Annex V)
Additional KPIs	GAR (flow)	120	0.81%	75.06%	48.32%	24.94%
	Financial guarantees	0	0.00%
	Assets under management	27	6.79%

	Nuclear energy related activities
1.	The undertaking carries out, funds or has exposures to research, development, demonstration and deployment of innovative electricity generation facilities that produce energy from nuclear processes with minimal waste from the fuel cycle.	NO
2.	The undertaking carries out, funds or has exposures to construction and safe operation of new nuclear installations to produce electricity or process heat, including for the purposes of district heating or industrial processes such as hydrogen production, as well as their safety upgrades, using best available technologies.	NO
3.	The undertaking carries out, funds or has exposures to safe operation of existing nuclear installations that produce electricity or process heat, including for the purposes of district heating or industrial processes such as hydrogen production from nuclear energy, as well as their safety upgrades.	NO
	Fossil gas related activities
4.	The undertaking carries out, funds or has exposures to construction or operation of electricity generation facilities that produce electricity using fossil gaseous fuels.	YES
5.	The undertaking carries out, funds or has exposures to construction, refurbishment, and operation of combined heat/cool and power generation facilities using fossil gaseous fuels.	YES
6.	The undertaking carries out, funds or has exposures to construction, refurbishment and operation of heat generation facilities that produce heat/cool using fossil gaseous fuels.	YES

	Economic activities	Amount and proportion
		CCM + CCA		Climate change mitigation (CCM)		Climate change adaptation (CCA)
		Amount	%	Amount	%	Amount	%
1.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.26 of Annexes I and II to Delegated Regulation 2021/ 2139 in the denominator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
2.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.27 of Annexes I and II to Delegated Regulation 2021/ 2139 in the denominator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
3.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.28 of Annexes I and II to Delegated Regulation 2021/ 2139 in the denominator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
4.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.29 of Annexes I and II to Delegated Regulation 2021/ 2139 in the denominator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
5.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.30 of Annexes I and II to Delegated Regulation 2021/ 2139 in the denominator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
6.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.31 of Annexes I and II to Delegated Regulation 2021/ 2139 in the denominator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
7.	Amount and proportion of other taxonomy-aligned economic activities not referred to in rows 1 to 6 above in the denominator of the applicable KPI	237	0.47%	232	0.46%	5	0.01%
8.	Total applicable KPI	237	0.47%	232	0.46%	5	0.01%

	Economic activities	Amount and proportion
		(CCM+CCA)		Climate change mitigation (CCM)		Climate change adaptation (CCA)
		Amount	%	Amount	%	Amount	%
1.	A mount and proportion of taxonomy-aligned economic activity referred to in Section 4.26 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
2.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.27 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
3.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.28 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
4.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.29 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
5.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.30 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
6.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.31 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
7.	Amount and proportion of other taxonomy-aligned economic activities not referred to in rows 1 to 6 above in the numerator of the applicable KPI	237	100.00%	232	97.80%	5	2.20%
8.	Total amount and proportion of taxonomy-aligned economic activities in the numerator of the applicable KPI	237	100.00%	232	97.80%	5	2.20%

	Economic activities	Amount	Percentage
1.	Amount and proportion of economic activity referred to in row 1 of Template 1 that is taxonomy-non-eligible in accordance with Section 4.26 of Annexes I and II to Delegated Regulation 2021/2139 in the denominator of the applicable KPI	0.00	0.00%
2.	A mount and proportion of economic activity referred to in row 2 of Template 1 that is taxonomy-non-eligible in accordance with Section 4.27 of Annexes I and II to Delegated Regulation 2021/2139 in the denominator of the applicable KPI	0.00	0.00%
3.	Amount and proportion of economic activity referred to in row 3 of Template 1 that is taxonomy-non-eligible in accordance with Section 4.28 of Annexes I and II to Delegated Regulation 2021/2139 in the denominator of the applicable KPI	0.00	0.00%
4.	Amount and proportion of economic activity referred to in row 4 of Template 1 that is taxonomy-non-eligible in accordance with Section 4.29 of Annexes I and II to Delegated Regulation 2021/2139 in the denominator of the applicable KPI	0.00	0.00%
5.	Amount and proportion of economic activity referred to in row 5 of Template 1 that is taxonomy-non-eligible in accordance with Section 4.30 of Annexes I and II to Delegated Regulation 2021/2139 in the denominator of the applicable KPI	0.00	0.00%
6.	Amount and proportion of economic activity referred to in row 6 of Template 1 that is taxonomy-non-eligible in accordance with Section 4.31 of Annexes I and II to Delegated Regulation 2021/2139 in the denominator of the applicable KPI	0.00	0.00%
7.	Amount and proportion of other taxonomy-non-eligible economic activities not referred to in rows 1 to 6 above in the denominator of the applicable KPI	8,222	16.33%
8.	Total amount and proportion of taxonomy-non-eligible economic activities in the denominator of the applicable KPI	8,222	16.33%

	Economic activities	Amount and proportion
		(CCM+CCA)		Climate change mitigation (CCM)		Climate change adaptation (CCA)
		Amount	%	Amount	%	Amount	%
1.	A mount and proportion of taxonomy-aligned economic activity referred to in Section 4.26 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
2.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.27 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
3.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.28 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
4.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.29 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
5.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.30 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
6.	Amount and proportion of taxonomy-aligned economic activity referred to in Section 4.31 of Annexes I and II to Delegated Regulation 2021/ 2139 in the numerator of the applicable KPI	0.00	0.00%	0.00	0.00%	0.00	0.00%
7.	Amount and proportion of other taxonomy-aligned economic activities not referred to in rows 1 to 6 above in the numerator of the applicable KPI	474	100.00%	434	91.63%	40	8.37%
8.	Total amount and proportion of taxonomy-aligned economic activities in the numerator of the applicable KPI	474	100.00%	434	91.63%	40	8.37%

Mandatory disclosures under the Taxonomy Regulation

Disclosures on key performance indicators

Green asset ratio

Key performance indicators for off-balance sheet exposures

Financing of undertakings subject to non-financial information reporting obligations according to the Directive on Non-Financial Reporting

Financing of households

Local government financing

Disclosures of key performance indicators in accordance with Annex VI to Regulation 2021/2178

Disclosure based on Turnover KPI of counterparty

Template 0: Summary of KPIs to be disclosed by credit institutions under Article 8 Taxonomy Regulation (in mln EUR)

Template 1: Assets for the calculation of GAR (in mln EUR)

Template 2: GAR sector information (in mln EUR)

Template 3: GAR KPI stock (%)

Template 4: GAR KPI flow (%)

Template 5: KPI off-balance sheet exposures (%) (stock)

Template 5: KPI off-balance sheet exposures(%) (flow)

Disclosure based on CAPEX KPI of counterparty

Template 0: Summary of KPIs to be disclosed by credit institutions under Article 8 Taxonomy Regulation (in EUR mln)

Template 1: Assets for the calculation of GAR (in mln EUR)

Template 2: GAR sector information (in EUR mln)

Template 3: GAR KPI stock (%)

Template 4: GAR KPI flow (%)

Template 5: KPI off-balance sheet exposures (%) (stock)

Template 5: KPI off-balance sheet exposures(%) (flow)

Disclosures of indicators for nuclear and fossil gas related activities in accordance with Annex XII of Regulation 2021/2178

Disclosures based on counterparty key performance indicator for turnover (KPI Turnover) – GAR KPI stock as on 31.12.2023

Template 1: Nuclear and fossil gas related activities

Template 2: Taxonomy-aligned economic activities (denominator)

Template 3: Taxonomy-aligned economic activities (numerator)

Template 4: Taxonomy-eligible but not taxonomy-aligned economic activities

Template 5: Taxonomy non-eligible economic activities

Disclosures based on counterparty key performance indicator for capex (KPI Capex) - GAR KPI stock as on 31.12.2023

Template 1: Nuclear and fossil gas related activities

Template 2: Taxonomy-aligned economic activities (denominator)

Template 3: Taxonomy-aligned economic activities (numerator)

Template 4: Taxonomy-eligible but not taxonomy-aligned economic activities

Template 5: Taxonomy non-eligible economic activities

Disclosures based on counterparty key performance indicator for turnover (KPI Turnover) – GAR KPI Flow as on 31.12.2023

Template 1: Nuclear and fossil gas related activities

Template 2: Taxonomy-aligned economic activities (denominator)

Template 3: Taxonomy-aligned economic activities (numerator)

Template 4: Taxonomy-eligible but not taxonomy-aligned economic activities

Template 5: Taxonomy non-eligible economic activities

Disclosures based on counterparty key performance indicator for turnover (KPI Capex) – GAR KPI Flow as on 31.12.2023

Template 1: Nuclear and fossil gas related activities

Template 2: Taxonomy-aligned economic activities (denominator)

Template 3: Taxonomy-aligned economic activities (numerator)

Template 4: Taxonomy-eligible but not taxonomy-aligned economic activities

Template 5: Taxonomy non-eligible economic activities

Disclosure on additional activities eligible for the Taxonomy for climate change mitigation and adaptation objectives

Disclosure regarding subsequent four environmental objectives

Explanations of the nature and objectives of taxonomy-aligned economic activities and the evolution of the taxonomy-aligned economic activities over time, starting from the second year of implementation, distinguishing between business-related elements and methodological and data-related elements

Description of compliance with Regulation 2020/852 in the Bank’s business strategy , product design processes and engagement with clients and counterparties

Additional or complementary information in support of the Bank’s strategy and the weight of the financing of taxonomy-aligned economic activities in the overall activity

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