Risk management

Effective risk management and compliance are an integral part of our business model. Steered by our risk appetite framework, we aim to maintain a healthy balance between achieving sustainable future goals while developing long-term value and resilience. 

During recent years we have been making a great effort to further integrate all ESG (Environmental, Social and Governance) factors into the bank's risk management,
taking into account both risks and market opportunities and with a clear multi-stakeholder approach.

With the aim of being at the forefront of the green transition, in 2021 we set up a long-term sustainability strategy, embedding ESG factors in our risk framework and improving transparency. Additionally, we further strengthened our evolving risk management approach with a specific focus on climate-related risks and cyber risk protection.