Bank Ochrony Środowiska S.A.  
for 2020 
We are full of
green
green
ESG REPORT
energy
energy

1.	 Letter from the President
2.	About us
	
2.1. Key information
	
2.2. Business model	
	
2.3. Business strategy for 2021-2023
3.	Green transformation leader	
	
3.1. Support for green transformation
	
	
3.1.1. We are actively involved in financing  
sustainable investments
	
	
3.1.2. Thanks to our unique expertise, we comprehensively 
support and advise clients in the transformation process
	
3.2. Starting green changes with ourselves
	
	
3.2.1. We implement the highest standards  
of managing our environmental impact
4.	Socially active bank
	
4.1.	 Sustainable development promotion
	
	
4.1.1.	 We accomplish our mission through ongoing education that 
supports sustainable economic development	
	
	
4.1.2.	 We are a responsible and committed 
partner of important social activities
	
4.2.	Creating a sustainable organisation
	
	
4.2.1.	 We are a responsible employer who cares about our 
empoyees and the atmosphere of the workplace
5.	Conscious organization
	
5.1.	 Integrating transparency and accountability
	
	
5.1.1.	 We conduct our business in a transparent manner,  
using the best ESG market practices 
	
	
5.1.2.	 We are committed to having a sustainable value chain	
	
5.2.	Responsible ESG management
	
	
5.2.1.	 We effectively manage ESG issues within the organisation
6.	We are full of green energy
7. About the Report
TABLE OF CONTENTS
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Ladies and Gentlemen,
GRI 102-14, GRI 102-15
I am proud to present you the “Green power bank”  Report of Bank Ochrony 
Środowiska for 2020, also called the ESG report, devoted to our Environmental, 
Social and Governance agenda embedded into the core businesses of the Bank. 
This is the first document in the history of our Bank presenting the approach of 
BOŚ to sustainable development in such a detailed and holistic manner.
On the one hand, this unique publication shows how much work we have 
recently put into making BOŚ a modern, environmentally friendly financial 
institution, guided by the principles of responsible business. On the other hand, 
it is our starting point of reference for the coming years to impartially measure 
the effectiveness of our efforts to achieve climate neutrality, demonstrate 
social responsibility in what we do as an institution and as people, and actively 
care for transparency of our structures, management mechanisms, and our 
most precious value: our employees. And finally, we have launched the ESG 
reporting in the year our Bank celebrates its 30th anniversary. This is the 
turning point and the best possible moment to clearly mark the beginning 
of a new period of operation of Bank Ochrony Środowiska, the next step in 
the implementation of the mission that has been the foundation of our 
organisation.
The year 2020 was unique in many ways. The COVID-19 pandemic changed 
our reality for good and has been a huge challenge, both personally for each 
of us and for the Bank as an institution. 
Together with the entire Management Board of the Bank, I am proud that 
we coped well in this difficult time, while supporting our clients by offering 
products and solutions that help them function 
during pandemic constraints, especially those 
directly related to our Bank’s mission: supporting 
the green transformation of the Polish economy . This 
proves that we are able to operate effectively, efficiently 
and flexibly, even in extraordinary circumstances we do not 
to lose sight of what is most important for us - the good of our 
clients - people and companies that have trusted BOŚ. At the same time,  
in everything we did, we had in mind the Bank’s core values: professionalism, 
cooperation, commitment, as well as respect for others and the environment.  
Our Bank has been supporting environmentally friendly projects since it has 
been established. This is the idea behind the foundation of BOŚ, contained 
in its name and defining the main mission. Hence, implementing the ESG 
Strategy, earning an ESG rating and non-financial reporting are natural course 
of development for BOŚ. Moreover, at the dawn of the green transformation, 
as a specialist bank we are pursuing our ambition, to be a role model for the 
wider market in this area, shaping standards and good practice. We are also 
keen for this to be clearly reflected in the product offering of BOŚ. 
The share of pro-environmental loans in the portfolio of Bank Ochrony 
Środowiska was over 36% at the end of 2020. In this respect we are far ahead 
of all other banks in Poland and we are working hard to ensure that this 
proportion is constantly increased. For years we have not financed projects 
that have a negative impact on the environment.
Letter from the President
3
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Last year, we concluded nearly 4,000 pro-ecological transactions in the 
amount exceeding PLN 1.3 billion. Our customers have completed over 2.4 
thousand eco-investments with a total cost value of PLN 731 million. The 
projects implemented in 2020 allowed our clients to produce 56,894 MWh/
year of energy from RES, reduce consumption and heat losses by 12,231 GJ 
/ year, lower carbon dioxide emissions by 69.2 thousand tonnes/year and 
reduce dust emissions by nearly 28 tonnes/year.  
Bank Ochrony Środowiska is also an institution that not only supports its 
clients in the implementation of pro-environmental investments and 
promotes the idea of sustainable development in others, but above 
all, it acts in this spirit itself. As a Bank, we are strongly committed to 
reducing our carbon footprint as much as possible. In just one year, 
we managed to reduce CO2 emissions by 49%, which was largely due 
to the switch to energy coming mainly from RES. In 2020, as much as 
97% of the electricity purchased by BOŚ came from renewable energy 
sources. Naturally, we will strive to achieve 100% in the nearest future. 
Finally, Bank Ochrony Środowiska is committed to creating a friendly 
environment for our employees. A sense of security, a friendly atmosphere, 
mutual support, and a field for personal and professional development 
- these are the areas that I particularly want to keep building. As part of 
our activities, we support employee volunteering campaigns, as well as 
the individual charity acts of employees, and create wide opportunities for 
development in selected areas. Bank Ochrony Środowiska is also involved in 
numerous cultural events and supports non-governmental organisations.
Finally, I would like to emphasise once again that BOŚ and the entire banking 
sector face many challenges connected with the green transformation 
of the Polish economy. I am convinced that the enormous work that has 
been done, as described in this document, is an important milestone in the 
implementation of our bank’s efforts towards sustainable development. This, 
from the perspective of our Bank’s objectives and the European Green Deal, 
is, however, only the beginning of our efforts. 
We strive to continuously improve our financial performance in line with 
sustainable development principles, bringing tangible benefits to our 
employees, shareholders and other stakeholders. 
On behalf of the Management Board of Bank Ochrony Środowiska, I would 
like to thank all those involved in the preparation of the ESG Bank Ochrony 
Środowiska report for 2020, for the huge amount of work done, as well as for 
its results. I would also like to thank our shareholders and partners for the trust 
they place in us - I am convinced that together we can achieve even more.
I sincerely hope you will enjoy this reading experience.
Wojciech Hann 
President of the Management Board of 
Bank Ochrony Środowiska SA
Letter from the President
4
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

2.1. Key information 
GRI 102-1, GRI 102-2, GRI 102-3, GRI 102-4, GRI 102-5, GRI 102-6, GRI 102-45
Bank Ochrony Środowiska is the leader of green financing on the 
Polish market. For years we have been consistently implementing our 
philosophy and developing in the field of environmental and climate 
protection. The Bank operates as a joint stock company and is part of the 
Bank Ochrony Środowiska S.A. Capital Group. We operate in accordance 
with the Banking Law, Commercial Companies Code, in accordance 
with the laws in force in the Republic of Poland and on the basis of 
permits authorising us to perform banking activities that involve risking 
the funds entrusted under any reimbursable title. Our head office is 
located at Żelazna 32 St. in Warsaw. We conduct our main operations in 
Poland. We currently have a network of 50 branches, including business 
centres and operating branches providing our services. Additionally, the 
brokerage house Dom Maklerski BOŚ S.A. has an office in the Czech 
Republic. Within the BOŚ Group operates also a subsidiary company 
BOŚ Leasing EkoProfit S.A. which provides leasing services and MS Wind 
Sp. z o.o.,which operates a wind farm.
About us
5
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Group Vision:  
Comprehensive financing of the green transformation 
by offering unique products, dedicated experts 
and a variety of financial instruments 
Group Mission:  
Innovative and effective support  
for green transformation 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

From the very beginning, we have been one of the pillars of the environmental financing system 
in Poland. We focus on ensuring the availability of financial resources for the implementation of 
ecological projects that support green transformation. The financing of pro-environmental 
initiatives in our Bank covers all areas of environmental protection, including the development of 
renewable energy sources, improvement of energy efficiency in industry, closed-cycle economy, 
thermal efficiency improvement and improvement of air quality. 
Creating products that contribute to reducing the impact of companies, institutions and 
individuals on water, air and soil pollution as well as creating financial leverage combining market 
resources with national and international support systems are the tasks set by BOŚ. The Bank has 
been consistently implementing them for 30 years, also with a view to building environmentally-
friendly attitudes among current and potential customers.
For years, we have been regularly publishing Ecological Reports, informing about our activities, 
achievements, products, but also presenting in a wider scope news on environmental protection, 
regulations, trends and directions of ecological development. We are facing the challenge 
of transforming the economy towards climate neutrality, implementing the ambitious 
plan to make Europe the first zero-emission continent. The progressive effects of 
climate change, such as sudden weather changes, rising average temperatures or 
prolonged droughts, call for systemic and community-wide action. Taking into 
account the global situation and ever newer challenges, the current report also 
covers social and corporate governance issues.  
About us
7
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

About us
The current climate challenges make the role of the so-called „green banks” 
grow, as their unique and specialised competencies allow them to effectively 
overcome barriers in financing environmentally friendly projects. We already 
have a strong foundation and ecological competence today. Our plan is to 
strengthen them significantly in the coming years. Our undoubted advantage 
is an ecological brand that has been repeatedly appreciated and awarded. 
The bank’s name is clearly associated with environmental protection, and our 
actions underline our commitment to sustainable development. In 2020, we 
were awarded twice. Our activities in the field of sustainable development, 
and in particular environmental protection, have been awarded the White CSR 
Leaf. In May 2020, the Chapter of the 13th edition of the National Programme 
of Social Responsibility Leaders awarded Bank Ochrony Środowiska 
the title of Laureate of the Eco Company 2020 Programme. The jury 
highly appreciated and awarded our Bank for activities related to 
the implementation of Responsible Business principles. The jury 
appreciated our ecological values, conducting pro-ecological 
information 
campaigns, 
paying 
attention 
to 
sustainable 
development and supporting pro-social activities.
Our development plan takes into account the economic consequences of the 
COVID-19 pandemic as well as EU and national projects aimed at achieving 
climate neutrality. We plan to place even greater emphasis on consulting 
competences and specialisation in pro-ecological financial products, as well 
as comprehensive support for the green transformation of Polish companies 
and local governments.  
03. Consious organisation
G
02. Socially active bank
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We are full 
of green energy
01. Green transformation leader
E
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

The Management Board of BOŚ S.A.
GRI 102-18
Wojciech Hann 
President  
of the Management Board
Arkadiusz Garbarczyk
Vice-President  
of the Management Board,  
First Deputy President  
of the Management Board  
Robert Kasprzak
Vice-President  
of the Management Board
Marzena Koczut
Vice-President  
of the Management Board
Jerzy Zań 
Vice-President  
of the Management Board
The Supervisory Board of BOŚ S.A. 
prof. dr hab. Emil Stanisław Ślązak 
Chairperson of the Board
Ireneusz Purgacz 
Deputy Chairperson of the Board 
Paweł Sałek 
Secretary 
Members of the Supervisory Board of BOŚ S.A.
Leszek Banaszak 
Robert Krzysztof Czarnecki 
Janina Goss
Marcin Adam Jastrzebski 
Piotr Wróbel
Zbigniew Dynak 
Andrzej Grzegorz Matysiak, PhD
Company authorities
About us
9
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

The Capital Group of Bank Ochrony Środowiska S.A. consists of Bank Ochrony Środowiska S.A., acting as a parent company over its direct subsidiaries:  
Dom Maklerski BOŚ S.A. and BOŚ Leasing Eko Profit S.A. and indirect subsidiary MS Wind Sp. z o.o. 
GRI 102-8, GRI 102-9
2019
2020
Total number of the Bank's employees
1 063    
1 130    
Total number of employees in the companies of the Group
246    
248    
Total number of employees in the Group
1 309    
1 378    
Total number of business units
4    
4    
Number of Bank customers
   242,0 thou   
216,8 thou  
Interest income (consolidated data)
PLN 627 590 thou 
PLN  518 582 thou
Total assets (consolidated data)
PLN 18 486 997 thou 
PLN 20 505 829 thou
Total market value of BOŚ S.A. shares
PLN 697 107 thou 
PLN 557 686 thou 
The Brokerage House Dom Maklerski of Bank Ochrony Środowiska S.A. is an 
important element of our investment activities. DM BOŚ has been operating 
on the Polish capital market for over 25 years, providing brokerage services 
related to Polish capital. As part of its operations, it provides customers and 
partners with the highest standards of comprehensive product service. This 
has been confirmed by numerous awards, including the title of Best Brokerage 
House in the ranking organised by the Association of Individual Investors. 
Dom Maklerski BOŚ S.A. also conducts activities related to environmental 
protection. In 2020, it launched a new financing, which was carried out in 
the form of two green bond issuance programmes for a total amount of  
PLN 0.7 billion. The funds obtained in this way will be allocated to the 
construction of photovoltaic farms. It is the first agreement on the domestic 
capital market for the issue of green bonds as part of financing renewable 
energy sources. 
About us
Commencement of the issue of green bonds in 2020 – PLN 0.7 billion
10
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

2.2. Business model 
Our pillars for the coming years
GRI 102-15 
Since 2016, we have been undergoing a restructuring process to manage the 
organisation even more efficiently, optimise costs and achieve better results. 
As part of this process, we plan further activities to enter the next stage of 
development. These goals will be achieved by implementing a new business 
model, continuing cost optimisation and developing the digitalisation of 
banking services. 
Changing the business model is one of the key challenges for the coming 
years. We strive to achieve a sustainably profitable model in terms of business 
and operation, which in each year of the implementation of the new strategy 
will allow to improve all the most important indicators by 2023 (ROE, NBI, C/I).
Acting in line with our green mission to promote sustainability, we will focus 
even more on supporting our customers on the path to a green transformation. 
This will enable the delivery of attractive, ecological financial products, available 
in a modern form, through distribution channels selected for this purpose. 
When rebuilding the business model towards a more remote one, we will 
strive to maintain the current deposit base. The solutions we implement will 
enable the acquisition of new customers in the partner channel, in particular 
thanks to cooperation with installation companies and developers. 
We focus on a distinctive product offer that provides financing for the 
purchase and installation of pro-ecological solutions in the partner channel. 
We are convinced that only long-term and modern environmental protection 
solutions implemented in companies as well as in individual households will 
allow building a sustainable future. 
In line with the adopted strategy and approach to business development in 
the long-term perspective, we will focus on two product categories. The first 
is eco-loans. We are confident that this is the type of product that will grow 
in popularity over the next few years and become an important part of the 
green transformation. From the business perspective, we assume an increase 
in interest and commission income, which will constitute the main source of 
the basic lines of the Bank’s income statement. Strengthening these products 
will be the development of sales through x-sell and up-sell mechanisms so as 
to increase profitability and strengthen the sales of our green solutions.
About us
11
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

We are convinced that ecological approach to business will be one of the 
leading business trends in Poland and worldwide in the coming years. 
From the very beginning, we have been developing in issues related to 
environmental protection and conducting business in a sustainable 
manner, supporting our clients on this path. In our activities, we want 
to focus on tailored partnerships to build the green transformation 
of the economy even more effectively. These activities are the 
foundation on which we will base our new business model.
We have been building our experience in green transactions 
for years. Our team of experts has extensive knowledge 
and experience in the field of ecology, financing and 
commercialisation 
of 
environmentally 
friendly 
business 
projects. It is their support that customers can benefit from 
when starting cooperation with us. We realize that the scope, 
changes and developments as well as new regulations 
concerning ecology and environmental protection are very 
dynamic. We are planning further projects related to the 
development of the competences of our experts, enabling 
them to participate in crucial training courses and seminars 
increasing their professional competences. 
Our unique structure, based on building a green financial 
institution, allows us to keeping create a significant and permanent 
position in the green financial system. We rely on 30 years of 
experience, which we want to use in the coming years, sharing it 
with partners and clients. On the way to a more sustainable economy, 
we plan to further develop partnerships and strengthen our position, so that 
mutual experience and specialisation will allow us to implement a unique and 
valuable offer. 
We will continue to strengthen our sector and technology expertise in the 
areas of ecology and climate. In order to be able to carry out activities aimed 
at the commercialisation of transformation projects with greater intensity, we 
plan to expand our team of experts with people highly specialised in financing 
environmental projects in sectors of key importance for the Bank: energy, 
construction, industry, transport and logistics.
The dynamics of change in the modern world is so great that in order to 
act effectively in the field of ecology, information and knowledge must be 
constantly updated. That is why we value cooperation with leading research 
centres in Poland, which allows us to constantly develop in this area and 
actively participate in the public debate on issues related to ecology and 
sustainable development. We value the voice of scientists who work with us 
and support us in developing our mission and building a green future for the 
world around us. 
We consider it necessary to participate in the public debate on ecology in 
order to popularise knowledge and modern financial solutions. We 
want to be an important partner for those who create the area of 
environmental and climate protection in Poland. That is why 
we actively participate in various working groups at public 
institutions where our experts present their opinions, 
as well as in many debates and conferences. 
About us
12
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

2.3. Business strategy for 2021-2023
Ensuring sustainable profitability is what determines the strategic changes 
planned for the coming years. We are convinced that thanks to greater 
specialisation and continued development of competences in the field of 
ecology and technologies reducing emissions, as well as influencing the shape 
of the green transformation, we will become the leader of green change. We 
build our ESG strategy thoughtfully so that it is consistent with our business 
strategy. Ensuring the synergy of these two areas is a key determinant of 
our success. Only when ESG goals influence the business ambitions of our 
organisation will we be able to achieve full sustainable development.
We are a bank full of green energy, whose clients can count on the best market 
offer in the field of green financing, enhanced by our consulting services in 
the field of taxonomy, new technologies and support in obtaining available 
public funds. 
We will gradually increase the share of loans for the institutional banking 
segment, within which we will focus on servicing the segment of medium 
and large companies and local government units.
We will build specialisation and a selective approach to supporting sectors 
and technologies, taking into account the income potential at the assessment 
stage, the impact of the investment on reducing emissions and whether it will 
provide an opportunity to leverage the supply of public funds. 
We define our mission as supporting green transformation in an innovative 
and effective way, but our activities go far beyond the role of a purely financing 
institution. It is the banks that are leading the green transformation, setting the 
stage for change in investment projects. We are experts in this area, combining 
financial competences with sectoral and environmental knowledge. This 
allows us to accurately select projects that will make the biggest difference 
in the area of sustainable development. We see fulfilling our mission as an 
opportunity to be a source of funding for green transformation, especially 
from a local perspective driven by smaller players.
About us
13
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

3.	 Green transformation leader 
2020:
• 
PLN 4 660.4 million – the balance of pro-environmental BOŚ loans
• 
36,3% share of the balance of pro-ecological loans in the  
       credit balance
• 
more than 20 environmental engineers and experts  
       experienced in advising on green transformation projects
• 
3,916 pro-ecological transactions concluded in the 
amount of PLN  1,346.39 million
• 
2 424 completed eco-investments of our customers with 
a total estimated value of PLN 731.2 million
• 
Environmental effects of projects implemented in 2020 r.
	
	 energy production from RES - 56,893.69 MWh/year
	
	 reduction of heat consumption and losses 12,231.33 GJ/year
	
	 reduction of carbon dioxide emissions 69,199.61 tons/year
	
	 reduction of dust emissions by over 27.61 tons/year
	
	 amount of neutralized waste or recovered recyclable mate-
rials 36.27 tons/year
• 
97% the electricity we buy covered by a guarantee of origin from RES
• 
We reduced the emissions of heat used consumption by 14.1% 
compared to 2019
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We are full
of green energy
14
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Our ambition:
Creating green financial products and consistently growing our green 
portfolio to support the green transformation. Making sure that the projects 
we fund support environmental challenges. Providing our customers with 
expert support to achieve positive results for the environment.
Setting the highest environmental requirements not only to our customers 
and business partners, but also as an organisation: striving to constantly 
reduce our environmental impact.
Becoming the leader of green change. Listening to our customers’ needs and 
adapting our product offer to them. Strengthening key areas in order to, in line 
with the adopted strategy, strengthen sector and technological expertise in 
the field of ecology and climate in the coming years, expanding partnerships 
and continue to actively act to protect the environment and climate in Poland. 
Since the beginning of our activity, we have been involved in financing 
undertakings generating environmental effects and, as a leader in this 
market, we set trends for other financial institutions in this area. The value of 
pro-ecological investments which benefited from our financing exceeded 
PLN 52 billion.
For 30 years, we have been focusing on ecology and environmental protection, 
which is reflected in building an offer of green financial products and 
consistent development of our ecological portfolio. With the ambition to be 
a leader in green change, we take a responsible approach to achieving these 
goals, basing our actions on the three key pillars of our ESG strategy. 
We make sure that the projects we fund support solutions to the environmental 
challenges of today’s world. We provide customers with expert support to 
achieve the best possible environmental results. 
We set the highest requirements in the area of pro-environmental activities 
not only for our customers, but first and foremost for our organisation, 
therefore we take numerous actions aiming at the consistent minimisation of 
the negative impact on the environment.
Our goals for 2021-2023: 
•	
By 2023, increasing the share of green 
assets in the loan portfolio to 50% 
•	
No new financing for thermal coal mining and new  
coal-fired units in accordance with the BOŚ Climate policy 
•	
Support for the economy towards a green transformation 
•	
Implementation of the objectives of the EU Taxonomy
•	
Cooperation in the field of financing  
pro-ecological innovative projects 
•	
Development of commercial organic products
•	
Advising clients of green transformation processes 
•	
Promotion of pro-ecological products
•	
By the end of 2023, a 20% reduction in 
carbon footprint compared to 2020 
3.	 Green transformation leader
15
Raport ESG  
Banku Ochrony Środowiska za rok 2020

3.1. Support for green transformation 
GRI 102-2, GRI 203-1
3.1.1. We are actively involved in financing sustainable investments 
As one of the pillars of the environmental protection financing system 
in Poland, we are aware of our responsibility in this regard. We focus our 
activities on providing funds for the implementation of pro-ecological projects. 
Green products and services 
Our commitment is reflected in the development of a pro-environmental 
offer and cooperation with key institutions forming the national system 
of financing environmental protection. These are the National Fund 
for Environmental Protection and Water Management and voivodeship 
funds for environmental protection and water management. Thanks to this 
cooperation, we can support the development of ecological investments 
in key areas that are part of the National Environmental Policy. For the sake 
of synergy and consistency in the projects undertaken, our offer is, among 
others, complementary to the priority programs of the National Fund for 
Environmental Protection and Water Management.
The balance of pro-ecological transactions of BOŚ S.A. as at December 
31, 2020 was PLN 4 660.4 million and was 4.8% higher than as of December 
31, 2019. Pro-ecological transactions were 36.34% of the total loan balance at 
the Bank, compared to 34.45% at the end of 2019.
We are open to the needs and challenges faced by our clients, both retail 
as well as small and medium-sized enterprises and corporate clients - we 
offer modern, effective financial solutions for all these groups. Thanks to 
our experience and expertise, they receive support to face environmental 
challenges in many aspects. The pro-ecological activities that we 
finance include, among others: reducing the consumption of 
natural resources, improving energy efficiency, increasing 
the use of renewable energy sources. 
Since the inception of our Bank, we have focused on 
supporting the financing of green investments 
in Poland, and the pro-ecological financial 
products we offer are developed based on the 
principles of sustainable development. We are 
involved in initiatives related to the introduction 
of 
financial 
products 
that 
support 
the 
prevention and adaptation to climate change, 
the transition to a circular economy, reduction 
of pollutant emissions, sustainable use and 
protection of water and marine resources, 
protection and restoration of biodiversity and 
ecosystems.
3.	 Green transformation leader
16
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Our key ECO products in 2020:
•	
Transparent Loan – for the replacement of high-emission heat 
sources and thermal modernisation of buildings.
•	
Energy from the Sun – eco loan for the purchase and assemby of a photovoltaic system.
•	
Loan in cooperation with Provincial Funds for Environmental Protection and Water Management 
– preferencyjna oferta finansowania przedsięwzięć proekologicznych w wybranych regionach Polski.
•	
Full breath – a preferential offer for current and future PGNiG customers 
to replace or upgrade heating systems in their homes.
•	
Our water – an eco-loan to prevent and eliminate the effects of drought. The scope of 
the offer was developed by Bank Ochrony Środowiska in cooperation with experts from 
the „Climate Leadership” program initiated by the UNEP/GRID-Warsaw Centre.
•	
Ecological Mortgage Loan – a loan financing housing needs while supporting the use 
of renewable energy sources and building houses with higher energy efficiency.  
•	
Loan with a bonus for thermal efficiency improvement – a loan for financing 
thermal efficiency improvement and renovation investments with a bonus 
from the Thermal efficiency improvement and Renovation Fund.
•	
Climate Loan - an EIB credit line for investments under the Climate Change Action 
Programme, implemented by the European Fund for Strategic Investment (EFIS). The 
Climate Loan finances activities that promote the reduction of greenhouse gas emissions 
into the atmosphere, i.e. investments in renewable energy sources and energy efficiency. 
2 2
0 0
3.	 Green transformation leader 
17
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

We also offer the Biznesmax Guarantee with a subsidy, which is granted from 
the Guarantee Fund of the Smart Growth Operational Program (FG POIR). The 
Biznesmax guarantee may cover a new loan intended to finance: eligible costs 
of the project incurred by an entrepreneur meeting at least 1 of 17 subject 
criteria (Option I) or eligible costs of an investment project of a pro-ecological 
innovation with an environmental effect (Option II).
In the area of settlement products, we are successively expanding the 
possibilities of remote service and developing the offer of electronic payment 
products. In June 2020, Express Elixir instant transfers were implemented, 
which was the beginning of a wider process of the development of electronic 
billing services and our digital transformation, giving the possibility of 
introducing further solutions in the future (eg BLIK). Instant transfers are 
transfers handled fully electronically, settled online around the clock.
In November 2020, we provided customers with new online card payment 
options. Since then, payments can be made using the mobile authorisation 
available in the mobile application. In the case of purchases in the online store, 
the card user can use the confirmation of operations with the use of mobile 
authorisation (push notification).
In December 2020, a new payment card functionality was launched allowing 
users to make payments using their phone. From December 18, 2020, all 
existing and new debit and credit card users, both individual and business, 
have been given the opportunity to add their card to the G-Pay payment app 
on their phone and make payments this way.
In addition to the electronisation of transaction services, we also promoted 
activities to protect the natural environment by introducing a new edition 
of debit cards with images of protected animals in July 2020. With the new 
edition of the cards, we wanted to draw attention to the endangered species 
of wild animals found in Poland and the related environmental protection 
issues. In October 2020, we entered into an agreement with Polesie National 
Park to provide financial support for the Animal Rehabilitation Centre there. 
The aim of the action is to build a community of customers supporting the 
rescue of endangered species, and part of the fees for the production of a new 
card goes to the account of the institution that takes care of protected species. 
New debit cards present various species of animals that are fully protected 
in Poland. At the same time, the new line of cards has been maintained in a 
modern style and graphic form designed for various groups of customers. 
With the aim of strengthening sustainable development, we undertake 
partnership cooperation with institutions and entrepreneurs, in order to 
implement our mission as effectively as possible and promote valuable 
activities in the field of environmental protection.
These activities are based on the signing in 1994 by BOŚ of the Declaration 
„Banking and the environment”, created under the auspices of the United 
Nations, as well as our accession in June 2017 to the „Partnership Initiative for 
the Implementation of Sustainable Development Goals in Poland” currently 
coordinated by the Ministry Development and Technology. 
3.	 Green transformation leader
18
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

We cooperate with business representatives
GRI 102-12, GRI 102-13
Since July 2019, we have been cooperating with PGNiG Obrót Detaliczny 
[Retail trade], combining efforts to improve air quality in Poland. The 
cooperation resulted in the development of a preferential „Full Breath” loan 
offering, dedicated to those PGNiG customers who need funds to replace 
inefficient heating systems and take measures to reduce pollutant emissions 
in connection with improved energy efficiency.
At the heart of our business is climate protection, which we support by 
financing investments related to the green transformation. We are convinced 
that they are necessary to achieve long-term change in the field of sustainable 
development and strive to minimise the negative impact on the environment. 
The financed projects are tailored to the needs of a given client and show that 
synergy can be achieved in combining business activities with care for the 
natural environment.  
Pro-ecological loans granted in 2020, broken down 
by areas of environmental protection:
3.	 Green transformation leader
protection of the earth's surface
100%
0%
including:
atmosphere protection
95,5%
37%
32,3%
10%
energy efficiency projects
renewable energy sources  
(over 67% is photovoltaic)
sustainable construction
2,3%
2,2%
water protection and water management
19
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

We are involved in cross-sectoral projects
GRI 102-12, GRI 102-13
An important initiative that we joined in 2020 was the „Green Home” and 
„Green Mortgage” programmes implemented by Polish Green 
Building Association (PLGBC). The key goal of the cooperation 
is the development and promotion of sustainable residential 
construction in Poland. Thanks to the agreement, the „Green 
Home” certificate was included in the criteria for granting 
an ecological mortgage loan. PLGBC verifies and confirms 
that the indicated residential buildings meet a number of 
certification criteria, including energy and environmental 
efficiency. Customers interested in purchasing such a 
property can then apply for an ecological mortgage loan 
from our Bank’s offer.
In September 2020, we joined the coalition „Turn on 
Clean Energy for Poland” initiated by the Confederation of 
Employers of the Republic of Poland (Employers of the Republic 
of Poland). The coalition aims to cooperate, share good practices, 
exchange experiences and, above all, promote solutions that will help 
Poland achieve the goals set out in the European Green Deal. The promoted 
activities are to serve the development of energy based on the principles of the 
Circular Economy for the benefit of the society and economic development  
of Poland.
We are open to cooperation with the non-governmental sector
In September 2019, we joined the 1st edition of the „Climate Leadership 
powered by UN Environment” implemented by the United Nations 
Environment Programme Centre (UNEP/GRID). The assumption of this 
initiative is to build a community of leaders who, aware of the ongoing 
climate change, work together to counteract its negative consequences by 
developing and implementing specific solutions. Together with the program 
experts, we have developed a new product in 2020 - the Eco-loan „Our 
water”, addressed to individual customers looking for financial resources for 
measures to counteract drought and eliminate its negative effects, e.g. by 
building a rainwater recovery system or other solutions for the so-
called little retention. In line with the idea of the Program, 
BOŚ implemented a banking product and undertook 
educational activities promoting the use of rainwater, 
building infrastructure supporting water retention 
and other activities improving water relations. 
The next stage of the established cooperation was 
the signing of the climate declaration in October 
2020, which was a commitment to continue our 
activities in accordance with the highest pro-
ecological standards and to participate in the 
transformation of the economy towards climate 
neutrality through wider support for customers in 
the implementation of pro-ecological investments.
3.	 Green transformation leader
20
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Activities of the companies of the BOŚ Capital Group for environmental protection
Dom Maklerski Banku Ochrony Środowiska S.A. brokerage house 
Dom Maklerski Banku Ochrony Środowiska S.A. brokerage house („DM 
BOŚ”) has been operating on the capital market since 1995. It is one 
of the longest operating brokerage houses in Poland and a leading 
player on the domestic brokerage services market. It is a long-term 
leader in the futures market, awarded by the President of the 
Warsaw Stock Exchange for being the most active on this market. 
DM BOŚ was the first in Poland and one of the first brokerage 
houses in Europe to provide brokerage services via the iInternet. 
DM BOŚ provides clients with a comprehensive product offer. It 
is the undisputed leader in the use of innovative technologies 
in customer service. What distinguishes them from the 
competition are internet and mobile trading platforms as well 
as solutions enabling trade automation. 
DM BOŚ is actively involved in the pro-ecological activities of 
the BOŚ SA Capital Group, e.g. by including brokerage services 
in the trading of property rights resulting from the so-called 
„Colour certificates”. Trading in such rights is conducted by DM 
BOŚ through Towarowa Giełda Energii S.A. [Commodity Energy Exchange], 
from the moment the property rights market was launched. The offer of DM 
BOŚ in this respect is addressed primarily to producers of electricity from 
renewable sources (wind farms, small hydropower plants, photovoltaics, 
etc.), giving these entities the opportunity to sell property rights received 
as confirmation of electricity generation in a renewable energy source. 
In addition to green energy producers, clients using the DM BOŚ offer in 
property rights trading are also enterprises that want to sell or buy the so-
called „White certificates”, which confirm the implementation of projects 
aimed at improving energy efficiency.
In 2020, DM BOŚ, as part of its offer, enabled participants of trade in agri-
food products (wheat, rye, corn), i.e. producers (including individual farmers 
producing at least 25 tons of grain), as well as buyers, access to the transparent 
agricultural market organized by Towarowa Giełda Energii S.A. DM BOŚ 
provides brokerage services - from opening a brokerage account necessary 
to start trading on the agricultural market, through placing orders, to the final 
settlement of concluded transactions. 
3.	 Green transformation leader
21
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Moreover, DM BOŚ is consistently expanding its portfolio of responsible 
financing. As a coordinator and dealer of issues, DM BOŚ organises issues of 
green bonds for companies from the green transformation sector. In 2020, DM 
BOŚ launched two green bond issue programmes with a total value of PLN 
700 million for the Columbus Energy S.A. Group, of which the first tranche 
of PLN 75 million was issued in the autumn of 2020, and the next tranche of 
PLN 60 million in 2021. A significant part of the bonds was acquired by Bank 
BOŚ, and the funds raised were allocated to the purchase of projects and the 
construction of photovoltaic farms.  As at the date of this report, DM BOŚ is 
preparing subsequent issues with the use of this financing instrument.
Green Bonds enjoy growing popularity in Europe and around the world. 
They are a debt financial instrument, distinct from ordinary bonds for the 
purpose of financing. The funds obtained from their emission are to be used 
for environmental purposes, i.e. minimising the negative impact on the 
surroundings and the natural environment. Globally, both the private and 
public sectors (governments, local authorities, municipal companies) are 
increasingly using this type of financing. By extending the offer to organise 
the issue of green bonds, DM BOŚ joined the group of institutions supporting 
the energy transformation in Poland.
DM BOŚ has received many prestigious industry awards for its activities 
on the capital market and has been appreciated by investors for years. 
Repeatedly recognised as the Best Brokerage House in the National Investor 
Survey organised annually by the Association of Individual Investors. Since the 
beginning of the ranking, it has always been on the podium among the best, 
and in 2020, for the second year in a row, DM BOŚ took the first place on the 
podium.
In 2020, DM BOŚ was awarded, among others, by the editors of Gazeta 
Giełdy i Inwestorów „Parkiet”, receiving the „Bull and bear” award in the Best 
Brokerage House category. Towarowa Giełda Energii awarded DM BOŚ for 
the greatest activity on the Agricultural Exchange in 2020, the Commodity 
Clearing House awarded the Rozrachunek 2020 statuette for its contribution 
to the development of agri-food markets, and the Warsaw Stock Exchange 
awarded DM BOŚ for the highest activity on the contract market in 2020.
 
 
 
3.	 Green transformation leader
22
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

BOŚ Leasing – Eko Profit S.A.
BOŚ Leasing - Eko Profit S.A. („BLEP”) is a company from the BOŚ Group that 
provides financing services in the form of operating lease, finance lease and 
leasing loan. It supports clients in obtaining debt financing, both commercial 
and preferential; it also arranges financing for investment projects using funds 
from the National Fund for Environmental Protection and Water Management 
and EU development programmes. 
As part of its activities, BLEP finances many initiatives that are part of the 
strategic areas for the Capital Group, in particular environmental protection 
and renewable energy sources. It works with clients interested in financing 
photovoltaic farms, biogas plants, as well as projects related to energy 
efficiency and waste management. Through the subsidiary MS Wind Sp. z o. 
o., BOŚ Leasing - EKO Profit controls the operations of the wind farm (6 MW) 
in the Pełczyce commune.
BOŚ Leasing - EkoKO Profit also supports clients investing in solutions 
limiting carbon dioxide emissions to the atmosphere. For over a year, the 
easyshare application offers 10 electric cars financed by BOŚ Leasing - EKO 
Profit. Financial involvement in the pilot car-sharing service at the Gdynia 
Główna railway station was part of the implementation of the government’s 
electromobility development strategy, and also allowed to fulfil the mission of 
Bank Ochrony Środowiska and support green transformation.
Bank Ochrony Środowiska S.A. Foundation
Bank Ochrony Środowiska S.A. Foundation („BOŚ Foundation”) runs 
a number of projects that focus primarily on environmental 
education, 
promotion 
of 
ecology 
and 
sustainable 
development. BOŚ Foundation is a member of 
the Donors Forum which associates corporate 
foundations and a member of the 5 Factions 
Coalition, in which it is a Bank representative. 
In 
2020, 
the 
Foundation 
implemented, 
among others, the projects „Bet on the 
sun”, „Traditional orchard”, „Green Bench”, 
„Healthy I eat, more I know”, „World 
through the eyes of youth”. The activity 
of the BOŚ Foundation is based on 
social 
engagement 
programmes. 
In projects aimed at school youth, 
the BOŚ Foundation places great 
emphasis on learning to work in a 
group, teaching responsibility for 
one’s own health and the state of 
the environment. 
3.	 Green transformation leader
23
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

3.1.2. Thanks to our unique expertise, we comprehensively support and  
advise clients in the transpormation process
GRI 203-1
We share our knowledge and experience by supporting clients at every stage 
of their investment projects. When developing the offer and communication 
of pro-ecological products, we attach great importance to building customer 
knowledge in the field of environmental protection. We have specialised 
teams of experts in ecology, taxonomy, financing and commercialisation 
of ecological projects. Since April 2021, the Bank’s organizational structure 
includes the Area of Ecology and Climate, which employs a total of about 
30 people. The support of Ecologist engineers for Clients of Business 
Centres is free of charge. We monitor investments implemented 
with our financial support in terms of achieving the 
assumed business effects, as well as the environmental 
effects, which is our market distinguishing feature. We 
engage in dialogue on environmental protection 
and sustainable finance by participating in the 
work of working teams created by public administration entities and others, 
such as the Ministry of Climate and Environment, the Polish Bank Association. 
Members of the Management Board and Bank experts participate in thematic 
conferences devoted to the issue of ecology and climate, as well as at trade 
fairs. 
We also became a Silver Partner and Content Partner of the eighth edition of 
the report „The Photovoltaic Market in Poland 2020”, published by the Institute 
for Renewable Energy. The publication is a comprehensive summary of the 
state and trends of photovoltaics in Poland, which was created in cooperation 
with companies and is the result of a detailed market research.
3.	 Green transformation leader
Supporting clients in their transformation process 
We offer our clients comprehensive support in the implementation of projects 
supporting the pursuit of more ecological solutions. We offer substantive support 
from our experts and help in choosing the appropriate financing methods.
24
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

GOOD PRACTICE 
Chochołowskie thermal baths
Chochołowskie Termy [thermal baths] is the largest thermal pool complex in 
Podhale. They offer bathing in waters rich in minerals in 30 swimming pools with 
a total water surface area of 3000 m2.  Fun, relaxation and regeneration of the 
body take place in a beautiful environment with respect for nature, thanks to the 
use of energy and water-saving technologies. 
Energy-saving LED lighting was used in the area of the thermal baths. Providing 
the entire complex with thermal energy needed to heat water in swimming 
pools and water attractions, prepare domestic hot water, central underfloor 
and radiator heating inside and outside the facility, mechanical preliminary 
ventilation heater is based on renewable energy sources, such as geothermal 
waters with a temperature of 88 ° C with a capacity of 120 m3/ h obtained from 
the PIG1 Chochołów borehole from a depth of 3572 m. The heat remaining in 
used geothermal waters (known as waste heat) is used to heat 1,200 m2 of the 
beach and to de-icing and removing snow from 850 m2 of parking, eliminating 
the use of salt.
99% of the water in the swimming pool complex is recycled. Modern and 
innovative technology of water purification and disinfection, based on nanosilver 
particles, guarantees high water quality and minimizes the amount of waste 
generated from the water filter bed. An additional benefit is the minimisation of 
the dose of sodium hypochlorite used as a bacteriostatic agent in the water.
Bank Ochrony Środowiska provides financing for the Company’s day-to-day 
operations and granted a mortgage loan to refinance capital expenditure 
incurred on the construction of a recreational complex.
 GOOD PRACTICE 
Modern energy systems 
For our client Columbus Energy S.A., a leader on the market of photovoltaic 
micro-installations in Poland, we provide comprehensive services in the field of 
maintaining bank accounts and credit products. 
The company started operating in the RES industry in 2014 by providing energy 
consulting services, performing energy audits and selling RES installations, 
in particular photovoltaics. Columbus Energy SA is currently dealing with 
comprehensive implementation of photovoltaic installations for households, 
companies and local government units. In addition to the standard engineering 
service, it helps  in obtaining investment financing and provides full after-sales 
service - Columbus Care, which in 2020 was awarded the "Teraz Polska" (eng. 
Poland now) emblem.  In 2019, the Company expanded its operations to include 
the construction of photovoltaic farms. In cooperation with Bank Ochrony 
Środowiska, through NEI Sp. z o. o., it issued the first Green Bonds in Poland, 
which is currently used to finance the construction of photovoltaic power plants. 
By June 30, 2021, the company’s total installed PV capacity was 298 MWp. The 
company is gradually expanding its activities, currently including electricity 
storage facilities, heat pumps and chargers for electric cars. 
Columbus Energy S.A. has been a client of Bank Ochrony Środowiska since 2015, 
the cooperation began on the occasion of the Prosument program, under which, 
from the funds of the National Fund for Environmental Protection and Water 
Management, the Bank granted funding for the purchase and installation of 
new renewable energy installations for single-family or multi-family residential 
buildings. Currently, the Bank provides Columbus Energy S.A. with comprehensive 
services in the field of bank accounts and loan products.
3.	 Green transformation leader
25
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

GOOD PRACTICE 
Local heating company
Ciepłownia Rydułtowy Sp. z o. o. operates as a local heating company in the 
city of Rydułtowy, and has its own generation sources. In recent years, with 
a view to improving air quality and supporting residents in the elimination 
of heat emission sources, it has been expanding its own heating network, 
enabling other residents to use system heat. 
In 2020, the network was expanded and 17 facilities were connected to the 
system heat, with the total ordered capacity of 451 kW. The heating system 
was expanded with a distribution network with a total length of 591 m and 
heat connections with a length of 239 m in the streets of Andrzeja Struga, 
Kazimierza 
Przerwy-Tetmajera, 
Generała 
Józefa 
Bema, 
Plebiscytowa, 
Podleśna, Strzelców Bytomskich and Benedykta, and an external receiving 
installation with a group node was built at the Karola estate in Rydułtowy. For 
the implementation of this task Ciepłownia Rydułtowy Sp. z o. o.  obtained an 
investment loan from BOŚ S.A. Further expansion of the heating system is 
planned for the coming years. 
The company also implements investments in the field of system heat 
modernisation, aimed at the diversification of fuel, including the use of biomass 
and gas, generation of energy in cogeneration and obtaining the status of an 
energy-efficient system. The implementation of the project to build an ORC 
cogeneration system with a biomass boiler, financed by the OPI& E 2014-2020 
subsidy, an investment loan from BOŚ S.A. and own funds, was launched.
 GOOD PRACTICE 
Municipal Waste Plant
We supported our client, Zakład Zagospodarowania Odpadów Komunalnych 
Sp. z o.o. in Bełżyce, with a mortgage loan to finance the company’s current 
activities related to waste collection and processing. The company has 
been managing a modern waste management system since 2014 for 15 
municipalities. The main task of the Special Union was to build a modern 
waste management system covering all the member communes. In 2013, 
the construction of the Municipal Waste Management Plant in Bełżyce 
began.  The first municipal waste was delivered here in 2014. On an annual 
basis, ZZOK W Bełżyce Sp. z o. o. processes approximately 50,000 Mg of waste 
annually. The largest share in the structure of waste is mixed municipal waste 
(approx. 70% of the total waste stream). Bank Ochrony Środowiska granted 
the entity a mortgage loan in the amount of PLN 4 million.  The funds are 
intended for running the company’s day-to-day operations. 
3.	 Green transformation leader
26
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

GOOD PRACTICE 
Photovoltaic power plant
Another  example of ecological investments supported by us is cooperation 
with the Eko-Strefa I Sp. z o. o., which is a company dedicated to the 
construction and operation of photovoltaic power plants. The Company’s 
investors obtained a guaranteed sale price of electricity for a period of 15 
years as part of an auction for the sale of energy from renewable sources. The 
company implements projects efficiently, investment preparation takes 
approximately 12-18 months, while construction of a power plant takes 
less than 3 months. One of such projects is a photovoltaic farm with a 
capacity of 999 kWp located on an area of 1.68 hectares in Grzybów, in 
the Świętokrzyskie Province. The construction of the power plant was 
entrusted to ALSEVA Sp. z o.o. NS. k., the maintenance, servicing and 
monitoring of the power plant’s operation was entrusted to Rova 
sp. z oo which guarantees production at the 99% level.  
The power plant is based on highly efficient monocrystalline 
photovoltaic modules. The annual production of electricity is 1,060 
MWh, which is supplied to the power grid via a medium voltage 
cable through a remotely controlled connection pole located at 
the power plant. Green energy contributes to avoiding emissions 
of 806.5 tons of CO2, 573 kg of SO2 and 647 kg of NOx per year.
Bank Ochrony Środowiska financed the investment by the 
European Investment Bank as part of the Climate Change Action 
programme. Good cooperation between the Bank and the 
Company results from the excellent knowledge of the photovoltaic 
industry in the Bank as well as the extensive experience and 
professionalism of the Investor.
3.	 Green transformation leader
27
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

GOOD PRACTICE 
Tools for measuring the ecological impact 
In 
April 
2020, 
we 
launched 
the 
website 
www.bosbank.pl/klient-
indywidualny#hash_25162 
counter 
of 
the 
environmental 
effects 
of 
investments financed by BOŚ. It illustrates the scale of the impact of our clients’ 
investments in the form of key indicators: energy production in renewable 
energy, reduction of carbon dioxide emissions, reduction of dust emissions, 
reduction of heat consumption and losses, the amount of neutralised waste 
or recovered secondary raw materials, as well as the capacity of sewage 
treatment plants.
In September 2020, we released a calculator for photovoltaic installations (PV) 
calculatorpv.bosbank.pl/. With this tool, after answering a few questions, you 
can get information about what installation you need. You can also find out 
the estimated cost of purchasing and installing a photovoltaic installation. It is 
a proprietary model developed by us, in which various parameters were taken 
into account, such as location, angle of incidence of sunlight or the direction 
of the roof slope, and the average power consumption. This tool allows to 
quickly, transparently and easily obtain key information necessary to assess 
the advisability of an investment and the possibility of financing it, partially or 
entirely, from a loan from our Bank’s offer.
Alignment with international and national regulations
As a Polish Bank and a pillar of the national system of financing environmental 
protection, we support the implementation of environmental goals that have 
been set out in national strategic documents, including in the “National 
Environmental Policy” „Poland’s energy policy until 2040”, „Roadmap for 
transformation towards a circular economy”, or „The National Energy and 
Climate Plan for 2021-2030.”
We monitor key legal regulations, both Polish and European, that set trends in 
the pursuit of climate neutrality. Business Transformation regulations are clear- 
companies are supposed to strive for climate neutrality. The goals in this respect 
are set by the European Green Deal, indicating the time perspective until 2050. 
An important document is also the Action Plan in the field of sustainable 
finance published by the European Commission. It indicates new reporting 
obligations. We keep in mind the provisions of all the presented documents, 
implementing solutions that enable transformation of our organisation, as 
well as support partners and customers in this process. As a Bank, we are fully 
compliant with environmental regulations, and we observe planned regulatory 
changes so as to adapt our business model on an ongoing basis.  
3.	 Green transformation leader
1           Announced by the Council of Ministers in July 2019 "State ecological policy 2030 - development strategy in the field of environment and water management"
28
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Our commitment and comprehensive approach to environmental 
protection was appreciated and honoured by the Chapter of the 13th 
edition of the „National Programme of Social Responsibility Leaders” 
which awarded us with the title of „Eco Company 2020”. The jury highly 
valued and awarded Bank Ochrony Środowiska for its activities related to the 
implementation of the principles of responsible business. The jury appreciated 
our ecological values, conducting pro-ecological information campaigns, 
paying attention to sustainable development and supporting pro-social 
activities.
In the Polityka Weekly Competition, carried out in cooperation with the 
consulting company Deloitte and the Responsible Business Forum,  
we received the „White CSR Leaf of POLITYKA”, which is awarded to 
companies declaring the implementation of key management categories 
indicated by the ISO 26000 standard and improving activities in this area.
We also share our knowledge and experience in the field of ecology 
with our key stakeholders. For over 22 years we have been regularly 
publishing the „Environmental Reports of Bank Ochrony Środowiska”. 
It is an annual publication that summarizes the most important issues 
related to climate change and environmental protection in various 
aspects. From the analysis of available EU and national regulations, 
strategic documents, to information on available instruments to 
support pro-ecological investments.  An important element of 
the report is a presentation of the activities of BOŚ, in terms of 
financial offer and a summary of the environmental effects of 
projects financed by us and activities undertaken directly by the 
Bank. This report is a continuation and at the same time a new 
version of the previously published „Environmental Reports of 
Bank Ochrony Środowiska”.
3.	 Green transformation leader 
29
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

3.2. Starting green changes with ourselves
Environmental protection is a priority for us, both in terms of business 
activities, as well as in terms of the transformation of the organisation 
of our own operating activities towards minimizing the negative impact 
on the environment. We are constantly working on solutions that bring us 
closer to this goal.
Environmental issues are coordinated in the „Area of Ecology and 
Climate” supervised by the vice president of the board. There are three 
divisions in this area: Division of Ecology, Taxonomy and Analysis; Ecological 
Projects Division and Support and Ecology Division.
The Bank’s Supervisory Board has a Committee for Ecology, composed of 
four members of the Supervisory Board. The Committee - patronising the 
implementation of the statutory mission of the Bank - supports the Supervisory 
Board and the Management Board of the Bank in the development of our pro-
ecological activities and identification of areas of activity in the field of ecology. 
The Committee prepares recommendations and opinions for the Supervisory 
Board and the Management Board on the directions of further development 
of BOŚ S.A. in the area of ecology, including the Bank’s expansion possibilities 
on the market of pro-ecological services and the development of the product 
offer.
Already in the first days of work, our employees are introduced to basic 
ecological knowledge and issues related to our activities in this area, to 
which a special part of adaptation training is devoted. The next step in 
increasing the ecological competences of our Bank’s employees is 
e-learning training. At the beginning of 2020, we made available on the 
e-learning platform a proprietary training in ecology called „BOŚmy 
Zieloni” [My BOŚs is green] It is obligatory for all employees of the Bank.  
The thematic scope includes not only the most important information related 
to the fields and technologies of environmental protection, but also the scope 
of the Bank’s offer of pro-ecological products and possibilities of financing 
ecological undertakings. We also conduct dedicated environmental training 
for employees of the corporate area.
Additionally, employees can use the ECO Library, 
providing access to dozens of books and 
board games popularising the issues of 
ecology.
3.	 Green transformation leader
30
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

These activities are also supplemented by EKO Calendar Cards published 
on the intranet, which are related to the most important ecological events, 
such as Clean up the World campaign on September 18-20, Car-Free Day on 
September 22, and World Animal Day on October 4, and the International Day 
of Disaster Effect Reduction on October 13. 
In 2020, on the occasion of the most important ecological days, we also 
conducted employee activation activities. We organised:
• 
an ecological quiz for employees on the occasion of Earth Day on April 22,
• 
competition for visual works for employees entitled. „Our water -  
a common good” in relation to environmental days: June 5, International 
Day of Environmental Protection and June 17, International Day for 
Combating Desertification and Drought,
• 
a series of educational messages related to the Sustainable Development 
Week on September 21-25, the communication was completed with  
a knowledge mini-competition for employees.
In our daily work we rely on our ECO commitments developed by BOŚ 
employees: responsible consumption, sustainable transport and active 
lifestyle. We systematically conduct educational activities aimed at our 
employees regarding everyday functioning such as the need to switch 
off lights or reduce the number of prints, reduce water consumption or the 
amount of waste generated, including plastic, and correctly segregate waste. 
In September 2020, for the first time, we sent a „GreenLetter” to our 
employees, informing them of key events, available reports or analytical 
studies. This information is supplemented by descriptions of good practices 
regarding financing pro-ecological projects. Since then, „GreenLetter” 
has been sent on a two-weekly cycle. The bulletin is supplemented with 
information contained in the intranet, in the „ECO knowledge base” tab, where 
we provide the Bank’s employees with environmental reports and materials, 
which are constantly updated with information appearing on the market. 
 
3.	 Green transformation leader 
31
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

3.	 Green transformation leader
3.2.1. We implement the highest standards of managing our environmental impact 
We know that only consistent development of pro-ecological activities 
will bring measurable benefits, both for the environment and the entire 
organisation. Therefore, we continuously undertake a number of activities 
in this area at the strategic and operational levels. We conduct our activities 
in a multidimensional way, from taking care of the infrastructure and tools we 
use to educating employees.
Environmental Policy
One of the important elements giving direction to the environmental activities 
of our organisation was the introduction of the „Environmental Policy of Bank 
Ochrony Środowiska” in 2011. We have set out guidelines that are consistent 
with our goals and support our mission in this policy. 
The policy contains eight guidelines comprehensively addressing issues 
related to environmental protection and environmental awareness. The 
Environmental Policy obliges us to respect the applicable law in the field of 
environmental protection and to take into account its requirements in internal 
regulations. In 2021, we updated the current Environmental Policy to precisely 
address the currently analysed risks and measures to protect the environment 
and climate.
In line with the policy assumptions, we strive to limit the use of raw materials 
and natural resources, conduct rational waste management and reduce 
environmental impact. It is also important for us to popularise knowledge in 
the field of pro-ecological behaviour among employees of the Bank and the 
BOŚ Capital Group, disseminate the idea of environmental protection and 
promote the principles of sustainable development among customers and 
partners, as well as cooperation with institutions and organizations dealing 
with environmental protection. 
In 2021, we worked on the Climate Policy, where we comprehensively 
systematised all of the implemented and planned actions in pursuit of climate 
neutrality. We have placed particular emphasis on our efforts to reduce 
greenhouse gas (GHG) emissions and to develop guidance on our approach 
to climate risks.
Thanks to the implementation of the new business strategy, we will:
•	
Strengthen sector and technological expertise 
in the field of ecology and climate
•	
Expand partnerships
•	
Actively participate in creating the area of 
environmental and climate protection in Poland
We have a strong foundation:
•	
Experience in green transactions
•	
Teams of experts in the field of financing 
and commercialisation of projects
•	
Established position in green financing
32
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

WE MINIMIZE OUR CARBON FOOTPRINT
GRI 305-1, GRI 305-2, GRI 305-3, GRI 305-4
We attach great importance to our greenhouse gas emissions and carbon 
footprint verification. As the first bank in Poland, we undertook the 
calculation of the issues related to our operating activities already in 
2008 (data for 2007). In 2020, we again started assessing this dimension. To 
ensure the most reliable and meaningful data on the emissions generated, 
all data was prepared in accordance with the GHG Protocol Corporate 
Accounting and Reporting Standard. The standard consists of three scopes, 
covering various emission sources. When calculating the carbon footprint of 
the Bank’s operating activities for 2020, the following were taken into account:
scope I
•	
company cars
scope II
•	
electricity consumption
•	
heat consumption
•	
natural gas consumption (BOŚ did not use this medium)
scope III
•	
business travel – by plane
•	
business travel – by train
•	
business trips – by private car or rented coach
•	
employee travel to and from work
•	
electricity consumption of employees while  
teleworking from home
•	
water consumption
•	
wastewater discharged
•	
municipal waste generated 
•	
paper consumption
•	
courier services
3.	 Green transformation leader
33
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

All the data presented below have been prepared on the basis of calculations 
based on possibly complete data in each of the given ranges. We did not 
have a complete set of information for all categories, but the best possible 
and reliable solutions were used to produce the final carbon footprint results.  
A detailed breakdown of all data and conclusions from the study are available 
in the internal report „Carbon Footprint Estimation for Bank Ochrony 
Środowiska S.A. – 2020”. The table below presents the calculated emissions of 
carbon dioxide in the scope I, II and III (scope 1, 2 & 3).
The performed calculations showed that, as a result of our activities, the 
emission of CO2eq1 in 2020 amounted to 3.87 thousand tons and was 
lower by 49% compared to 2019. Such a significant reduction in emissions 
was related in part to the COVID-19 pandemic, but the transition to electricity 
with guarantees of origin from renewable sources contributed significantly 
to the reduction. Compared to the previous estimate for 2007, in terms of 
comparability, emissions decreased by nearly 12% in 2019 and by 59% in 2020.
Already in 2009 and 2010, while implementing the project „BOŚ - Climate-
friendly Bank”, we took steps to compensate for the CO2 emissions generated 
by our activities. For two years, the Bank’s employees planted over 60,000 
trees, afforesting an area of almost 12 hectares in the Celestynów Forest 
District and Otwock Forest District. Another forest planting action took place 
in 2016. In cooperation with the BOŚ Foundation and the Regional Directorate 
of State Forests in Warsaw and the Celestynów Forest Inspectorate, the Bank’s 
employees planted trees on an area of 1.5 ha in the Torfy Forest District. More 
than 10 years ago, we took actions that will allow for many years to compensate 
for CO2 emissions2 related to the activities of the Bank.
Scope
Category
CO2eq emissions in 2020
I scope
use of company vehicles
14.00 t
II scope
electricity consumption  
in BOŚ facilities
136.09 t
electricity consumption  
during teleworking
45.99 t
heat energy consumption
2.858,7 t
III scope
journeys in vehicles other than 
company cars
3.37 t
staff yourneys to and from work
625.7 t
water consumption
4.99 t
wastewater discharged
1.27 t
municipal waste
117.75 t
paper consumption
57.53 t
courier service
0.77 t
1	
CO2eq – greenhouse gas emissions expressed in CO2 equivalent
3.	 Green transformation leader
34
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

WE STRIVE TO USE 100% GREEN ELECTRICITY
GRI 302-1
Our activity is based on electricity from renewable energy sources (RES).  
In 2020, 97% of the electricity purchased by the Bank was covered by 
guarantees of origin from RES. We are taking steps to ensure that this value 
reaches 100% in the coming years, and if objective reasons make it impossible 
to achieve this result, we will compensate our emissions.
In line with our Environmental Policy, we attach great importance to improving 
energy efficiency. For this purpose, we conduct activities that allow us to 
reduce media consumption. We use energy-saving devices and light sources, 
also on advertising media used in our activities. In the Bank’s Head Office, we 
have installed special motion sensors that control switching the lighting on 
and off, and introduced intelligent air conditioning and heating and ventilation 
systems control. 
WE REDUCE THE HEAT ENERGY CONSUMPTION
Year
Emission from the use of heat [CO2eq]
2019
3,327.23 t
2020
2,858.7 t
The emissions from the use of heat in 2020 were 14.1% lower compared to 2019.
We think for the future, therefore we strive to be zero-emission when it comes 
to reducing greenhouse gases related to our operations, and we conduct 
activities in this area on a continuous basis. One of the most important 
undertakings in this area will be the change of the heat source in our facility 
in Częstochowa, from an outdated gas boiler room to the district heating 
network (the process will be completed in 2021).
3.	 Green transformation leader 
35
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

GREEN OFFICE
In the organisational area, the confirmation of our efforts is obtaining the 
„Green Office” certificate in 2019 for the Bank’s Head Office, awarded by the 
Foundation for Environmental Education, on the basis of an audit. The he-
adquarters building is BREEAM certified (Building Research Establishment 
Environmental Assessment Method) at the Very Good level, which confirms 
that a number of environmental impact criteria have been met.
WE MINIMISE THE AMOUNT OF WASTE GENERATED
GRI 306-2
We reduce waste in our operations. 
When waste is generated, it is segregated into 5 fractions already at our bran-
ches and the Bank’s headquarters. 50% of generated waste is recycled inde-
pendently. We also have contracts with professional companies that deal with 
the management of the rest.
 
Year
Number of employees
Estimated weight of municipal waste [t]
2019
1 124
224,8
2020
1 089
187,3
The estimated waste generation rate per employee per person in 2019 was 
200 kg and in 2020 we were able to reduce this to 172 kg per person, this is 14 
less waste per year per person.  
We are also reducing our paper consumption. Necessary prints are made do-
uble-sided and the possibility of colour prints is limited. In 2020, we reduced 
paper consumption by 25.2% compared to 2019.
3.	 Green transformation leader
36
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

WE REDUCE WATER CONSUMPTION
GRI 303-1, GRI 303-5
All our facilities are equipped with devices that prevent excessive water 
consumption, such as dual-function cisterns and aerators.
Year
Quantity of generated 
wastewater  [m3]
Sewage  
sludge [t]
Emissions [t CO2eq]
2019
14,836.80
4.91 
1.4
2020
13,652.62
4.52
1.3
Year on year, analysing the amount of generated wastewater and the 
associated CO emissions2, it was reduced by 8%.
WE GIVE A SECOND LIFE TO ELECTRONIC EQUIPMENT
We try to recycle much of the equipment and electronics (PCs, laptops and 
phones) that we do not use - we offer to buy them at attractive prices to our 
employees or external companies. If possible, we also provide them free of 
charge to interested public institutions. 
Equipment resold
Number of pieces
Mobile phones
205
Notebooks
24
Computer sets
150
Tangible assets withdrawn from use may be transferred (donated) free of 
charge to external entities - institutions of science, education, education and 
upbringing, culture, health protection and social assistance, charity and care, 
environmental protection, public order and safety, including organizations, 
referred to in Art. 3 sec. 2 and 3 of the Act of 24 April 2003 on Public Benefit and 
Volunteer Work (Journal of Laws 2018, item 450) for the purposes specified in 
art. 4 of this act. In 2020, we donated 610 pieces of furniture equipment free of 
charge, 230 pieces were sold, and 580 pieces were disposed of.  
3.	 Green transformation leader
37
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

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We are full 
of green energy
4.	 Socially active bank  
• 
We support 12 non-governmental organizations
• 
PLN 151k is the total donated to charity in 2020     
• 
We are a diverse organization – 66% of our employees are 
women and 46,67% of our management team is female 
• 
Activities are carried out to a large extent by the 
Foundation of Bank Ochrony Środowiska
38
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Our ambition:
We treat every action we take as an investment in the future. We act responsibly, 
being aware that what we do today determines  what the world and our 
organisation will look like in the future. We create a community that respects 
others and the ecology, professionals who cooperate with the environment of 
BOŚ full of green energy.   
We support our customers.  In addition to highly specialised financial 
solutions, we prepare specialist expertise and raise knowledge in the field 
of environmental protection. We carry out our activities for the benefit of 
society with a view to positively influencing key stakeholders, including our 
clients. An important area for us is also the cooperation and support of non-
governmental organisations, science and culture institutions. We implement 
key social activities through the programs of the Bank Ochrony Środowiska 
Foundation. 
At the same time, we undertake numerous activities aimed at our employees, 
creating a dynamic place of cooperation where commitment, professionalism 
and respect are combined. We are committed to providing our employees 
with opportunities for continuous and sustainable development. We are 
convinced that the further growth of our organisation is possible only thanks 
to the action of a community of people sharing the same values. That is 
why we pay special attention to activities that strengthen the organisational 
culture and work atmosphere. We strengthen relationships in teams as well as 
between employees and management. 
Our goals for 2021-2023: 
	
Educational activities, participation in the 
market dialogue on sustainable finance 
	
Involvement in international partnerships and initiatives   
	
Accession to UNGC in 2021  
	
Accession to SBTi in 2021 
	
Publication and implementation of the policy of 
building relations with the social environment and 
minimising the negative impact on society in 2022  
	
Support for the education and development of employees 
through training and development activities
	
Training and internal communication on ESG 
	
Implementation of well-being initiatives
	
Verification of remuneration mechanisms  
4.	 Socially active bank 
39
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

4.1. Sustainable development promotion
4.1.1. We accomplish our mission through ongoing education that supports 
sustainable economic development
We are convinced that knowledge and awareness of environmental 
issues are key factors influencing everyday choices and behaviour. We 
want to be a partner of change that covers the activities of the entire society, 
influences the decisions made in personal life, as well as in the sphere of 
finance and economy. Therefore, in parallel with the development of our 
product portfolio, we want to educate our customers in order to jointly follow 
the path of sustainable development. 
Customers can count on our expertise in the field of environmental protection 
and support in financing such solutions that will help them invest in a green 
transformation both at the level of individual households and small, medium 
or large enterprises. We believe that the financial solutions we provide, as well 
as the tools described in Chapter 4, such as the calculator for photovoltaic 
installations, will contribute to a permanent change in attitudes in the field of 
counteracting climate change. 
In order to better adjust our offer and learn about social needs, in October 2020 
we issued a report - „The Ecological Barometer of Poles. What are we doing 
to protect the environment?”. The report in a cross-sectional way deals with 
the issues of awareness and knowledge of the Polish society on issues related 
to environmental protection and the approach to environmental challenges.  
An important element of the report is the „BOŚ Ecological Index”, which, 
based on three indicators - awareness of the ecological situation, air 
pollution risk and drought risk, presents the state of knowledge of Polish 
society in these three key areas in a cross-sectional manner. 
4.	 Socially active bank
40
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

4.1.2. We are a responsible and committed partner of important social activities
GRI 413-1 
We take a responsible approach to our strategic commitments and ambitions to 
remain a socially active bank.  That is why we operate with respect for the development 
needs of our stakeholders, including those as important as the social environment. The 
BOŚ Foundation, which has been coordinating and managing activities for the education 
of the society for over 10 years, is responsible for development in these areas. The mission 
of the foundation is to promote and implement the principles of sustainable development, 
pro-health and pro-environmental education in accordance with living standards that will 
not have a negative impact on the environment.
Thanks to the support of the BOŚ Foundation, we implement pro-social activities 
systematically and in the long term, striving to develop a permanent change of 
behaviour. The Foundation cooperates with private and institutional partners who share 
the values included in our social responsibility. Actions taken are planned in a way that 
takes into account the specific needs of selected local communities.  
A significant help in implementing these activities is the involvement of BOŚ 
employees, who support the implementation of projects from the stage of diagnosis of 
local needs, to active participation in volunteer projects.  
4.	 Socially active bank 
41
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Projects of the Bank Ochrony Środowiska Foundation
Bet on the Sun – VI i VII edition
The project promotes Renewable Energy Sources (RES), especially 
photovoltaics. It has been running since September 2014. As part of the 
project, there are two independent competitions for youth from primary and 
secondary schools: research and film. 
In the research competition, young people gain knowledge in the field of 
renewable energy micro-installations and prepare simplified projects of PV 
installations for single-family houses and school buildings, and then share their 
knowledge with the local community. In the film competition, the students’ 
task is to create a film about renewable energy sources, local RES installations 
or explaining how selected renewable energy sources work. 
The 6th edition of the project ended in June 2020. Due to the epidemic 
situation in the country, the project was completed after the first stage. The 
project attracted 335 student teams (a total of 1,405 participants). As a result, 
240 design works related to PV micro-installations were carried out. As part 
of the film competition, 76 film scripts were written to promote renewable 
energy sources.
In November 2020, the 7th edition of the project began. Despite the remote 
learning, over 250 student teams signed up. At the end of the school year, we 
finished accepting reports in both competitions.
Traditional orchard – 3rd and 4th editions
The aim of the „Traditional Orchard” is to restore and promote native varieties 
of fruit plants, which have been replaced by new-generation varieties.  
The project supports the maintenance of traditional old fruit trees and draws 
the public’s attention to the need to increase biodiversity, which serves the 
protection of natural ecosystems. The task of the grant competition is to create 
a mini-orchard, consisting of at least five trees, in a generally accessible area, 
e.g. at a school, rectory or on a plot belonging to a commune. 
At the beginning of 2020, the third edition of the „Traditional Orchard” 
project was launched, focusing on old varieties of plums. The honorary 
patronage over the project was taken by: Minister of National Education, 
Minister of Agriculture and Rural Development, Institute of Horticulture 
in Skierniewice, Research Centre on the Natural Environment and 
Sustainable Development of the University of Warsaw. 253 schools (1661 
participants in total) from all over Poland applied to participate in the project, 
and 121 of them won a grant to establish a mini-orchard. Due to the pandemic, 
the second stage „We assume an orchard” was extended to October 30, 2020, 
and participants gained additional time to implement the task plan and the 
opportunity to plant trees in the autumn. Despite the difficulties, almost 
120 mini orchards were created and about 700 old varieties of trees were 
planted. An additional effect was the creation of the Pomological Map of 
Poland. The task was to locate historical varieties of fruit trees - apple, pear, 
plum, sweet cherry and cherry. Participants submitted more than 200 trees 
that may provide a valuable source of orchard plant genes.
4.	 Socially active bank
42
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Green Bench – 6th and 7th edition
It is a nationwide, pro-social grant project addressed to residents of 
open estates managed by cooperatives, housing communities or local 
governments in cities with more than 10,000 inhabitants. The project enables 
transformation of neglected areas on housing estates into green corners-
mini-gardens with a bench. It allows to revive places around blocks of flats, 
create space for relaxation and meetings, and also shows the residents how 
important common action is and what effects it can achieve. The substantive 
partners of the project are the Department of Landscape Architecture and the 
Department of Landscape Art, Warsaw University of Life Sciences. 
The 6th edition attracted 104 neighbourhood teams consisting of  
520 participants. Twenty-seven grants were awarded to complete projects to 
green neglected areas.  
It's dirty in here
It is a continuation of a bottom-up, nationwide action aimed at eliminating 
wild dumps. The aim of the project is to support local governments in the 
fight against illegal dumping of waste and care for a clean environment. 
Anyone who downloads the free „Dirty Here” application available on 
Google Play and App Store on a smartphone can report a place where 
they notice wildly dumped rubbish in forests, parks and other places all 
over Poland. After placing such a notification, along with a photo and a 
short description, it is automatically located and sent to the appropriate 
local government and the unit responsible for waste disposal on its 
behalf, in accordance with the applicable regulations.
4.	 Socially active bank 
43
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

I eat healthily, I know more – 10th and 11th edition
Another nationwide project of the BOŚ Foundation is addressed to the 
youngest students (kindergarten and grades 1-3 of primary schools). The BOŚ 
Foundation has been running it for 10 years and from the very beginning it has 
been accompanied by concern for the health of the young generation. The 
project lasts throughout the school year, is divided into stages corresponding 
to the seasons and is a nationwide inter-school team competition. The main 
goal of the project is to educate children about healthy attitudes by teaching 
them the principles of healthy eating. Every year since the 7th edition, the 
project has been held under the honorary patronage of the First Lady, Agata 
Kornhauser-Duda. 
In September 2019, the 10th edition of the project was launched. It ended 
in June 2020. More than 2,400 competition teams, or more than 50,000 
students and teachers, applied. Due to the COVID-19 pandemic and 
the related restrictions on the functioning of schools, the spring stage was 
canceled, and the project ended after the winter stage was resolved. 
In September 2020, the 11th edition of the project was launched. More than 
2,600 teams signed up for the project. Both phases of the project (autumn/
winter and spring) have already been awarded. A total of over 500 students 
and teachers from 26 educational institutions (schools and kindergartens) will 
be awarded. The prizes were awarded to the winners in September. 
The world through the eyes of youth – 4th edition
It is a joint initiative of the Foundation and Poczta Polska S.A. It is an art 
competition for the design of a postage stamp, addressed to young people 
aged 7-19. This is a unique opportunity for young artists to issue their own 
postage stamp, which will be part of the series „World through the eyes of 
the young”. The stamps, in addition to their utility and collector value, are an 
element of pro-ecological education, in line with the missions of the BOŚ 
Foundation and Polish Post. 
In the first half of 2020, the next, fourth edition of the project was launched, 
for which 13,000 works were submitted. This time the main topic was 
volunteering in its various aspects, i.e. ideas it brings, examples of voluntary 
activities, as well as benefits for both beneficiaries and the volunteers 
themselves. The competition was under the honorary patronage of:  
The Minister of National Education, the Minister of Culture and National 
Heritage and the Minister of Infrastructure, the Ministry of Family, 
Labour and Social Policy and the Ombudsman for Children. As part of the 
competition, 13,000 works were created, of which almost 800 qualified for the 
national stage. From among them, the Commission selected the 3 best works 
that were published on stamps, each with a circulation of 90,000 copies.
In addition to activities in the area of pro-environmental education and 
promotion of a healthy lifestyle, the Foundation also developed activities 
increasing the social commitment of the Bank’s employees. As part of the 
Foundation’s activities, we support the philanthropy program, as well as 
initiatives under the employee volunteering program at BOŚ. The partners of 
the programme are the Bank and Dom Maklerski BOŚ SA.
4.	 Socially active bank 
44
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Employee volunteering
Employee volunteering is a key programme in the field of social activities 
carried out by our employees and building the organisational culture.  
It was structured so that the volunteers themselves could choose the 
form of involvement. 
Employees can apply for micro-donations from the BOŚ Foundation. 
Employees-volunteers gather in teams and jointly submit an idea for voluntary 
activities. The ideas are evaluated and the best ones receive funding. The 
essence of the program is the direct involvement of the Bank’s employees in 
work for the benefit of those in need.  
Employees can apply for funding for initiatives that benefit the 
community and are carried out in cooperation with non-governmental 
organisations or public institutions.
Due to the pandemic, some projects from the autumn 2019 edition have been 
extended to 2020:
“Bench - a moment of respite” - arranging an element of small architecture for 
patients of the Oncology Centre in Warsaw. A bench surrounded by plants is 
intended to provide patients with the necessary level of comfort and a place 
to rest - project completed;
“Herbal garden” - a series of workshops with the use of herbs for pupils of 
the Special School and Educational Centre No. 3 in Bydgoszcz. The aim of 
the project is to learn the principles of a healthy lifestyle, to learn about new 
flavours, to develop responsibility and regularity in children when growing 
herbs - the project is completed;
„BiblioTherapy „Healing of the soul” - volunteers engaged in helping children 
from the Special School Complex No. 102 in Warsaw. Their tasks included 
developing reading - book/audiobook therapy - methods adapted to the 
needs of students with intellectual disabilities - online classes with teachers, 
students and volunteers - project completed;
In 2020, applications were considered on a continuous basis. Grants were 
awarded for the implementation of volunteer projects:
COVID 19 -  will not give up and take care of our seniors.  As part of the project, 
the volunteers sewed and distributed a total of about 3,000 reusable cotton 
multi-layer masks and disposable fleece masks to people in need.
Dzieciakowo - Children’s playground and garden beds for the Family Children’s 
Home. Volunteers renovated the wooden terrace which is a space for children 
to rest, spent time playing with them and prepared places for growing fruit 
and vegetables, which brings educational value (independently cultivated 
plants should bring tasty and healthy crops).
Another example of the volunteer activity of BOŚ employees are special ECO-
lessons in the form of workshops, which are conducted in local communities, 
e.g. in kindergartens and primary schools. During the workshops, volunteers 
tell children about important issues related to environmental protection, 
about everyday activities that may affect the condition of our environment, 
e.g. regarding waste segregation, reducing plastic consumption or saving 
water and electricity. 
4.	 Socially active bank 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Partner of ecological events in 2020
The Bank participated as a partner of ecological and industry events: ToGetAir Climate Summit, 
20th National Power and Heat Congress „PowerPol”, 8th National Energy Summit, ThinkEco! 
Forum, webinar of Abrys Publishers „Counteracting the effects of drought”, Report of the Institute 
of Renewable Energy „Photovoltaics market in Poland 2020”, Gazeta Pomorska Agricultural Forum, 
Renewable Energy Areopag of prof. K.Żmijewski, Abrys Energy and Recycling Forum, EKO Forum in 
Supraśl, 6th All-Poland Economic Summit, Carbon Footprint Summit.
During these events, the Bank’s representatives took an active part in discussions about the most 
important challenges related to the green transformation, energy and environmental policy of 
the state and the role that banks have to play in financing transformation processes. The debates 
largely concerned the energy transformation, including the use of renewable energy sources and the 
improvement of energy efficiency, but also air protection, waste management and processing, and 
the necessary investments in green and blue infrastructure.
46
ESG Report  
Bank Ochrony Środowiska S.A. for 2020
4.	 Socially active bank

Participation in the voluntary program „Bankers for Financial Education 
of Youth BAKCYL” 
The „Bankers for Financial Education of Youth BAKCYL” programme is  
a unique educational initiative with which we have been a partner since 
2013. As part of the cooperation of various financial institutions, activities are 
carried out to expand knowledge about finance in children and adolescents.  
The programme is organised by the Warsaw Banking Institute and the 
Polish Bank Association. Lessons conducted by volunteers from various 
financial institutions, including our employees, are a key element of the 
programme. They act as trainers who share their knowledge during the 
lessons. Beforehand, they participate in a special training and receive  
a package of materials. The classes are aimed at elementary school students 
in grades VI-VIII and high school students. The topics covered include saving, 
wise investments and cybersecurity. 
Philanthropic activities
Our philanthropic activities include cooperation and support for non-
governmental organizations and public institutions from various areas.  
The forms and scale of assistance are varied, tailored to the needs of stakeholders, 
to which we try to respond to the best of our ability. In social activities, we 
focused mainly on supporting the education of children and young people in 
the field of finance and ecology. We also supported student projects.
Our employees, as part of the philanthropy project, which is an initiative of 
the BOŚ Ffoundation, can donate any part of their remuneration to selected 
social goals. The project was created in response to their reported desire to be 
involved in helping colleagues in a difficult life situation.
4.	 Socially active bank
47
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

We support non-governmental organisations
Ewa Błaszczyk „Akogo?” Foundation
In cooperation with the partner Mastercard, offering payment cards, all the 
Bank’s customers can support activities consisting in systemic solutions to the 
problems of people in a coma. Since 2020, under the Mastercard® Priceless® 
Moments programme, customers making payments with the operator’s 
cards collect  points which can then be exchanged for prepared donation 
bricks worth 5 PLN, 10 PLN, 20 PLN and 50 PLN transferred to the „Akogo?” 
Foundation of Ewa Błaszczyk. The main goal of the organisation is to offer 
help to people with severe brain injuries and coma. Thanks to the involvement 
of the organization, the „Budzik” Clinic at the Children’s Memorial Health 
Institute in Warsaw was built, considered a model centre for children in  
a coma, where already 70 patients have been awakened. . 
Partner of the „Świąteczna Paczka” (Christmas package) campaign of 
the SOS Food Bank
In 2020, due to the pandemic period, we supported the Christmas Food 
Collection on many levels. In addition to the physical collection of gifts in 
stores by our employees, the possibility of donating on a dedicated website 
godneswieta.bzsos.pl has also been launched. We also became the founder 
of the packages and provided additional funds in the amount of PLN 4,000 
for a food collection. 
We support culture and sport
We are committed to helping in various areas, which is why we also support 
cultural, sports and scientific activities. In 2020, we took patronage over the 
Schuman Festival, the concert of Polish music „Polonia in musica” and the 
Grunwald Museum. We have also become involved in the sponsorship of the 
University Song and Dance Group „Warszawianka” and the sailor Piotr 
Kula in Finn class regatta.
We support nature and animals
Caretaker of the Animal Rehabilitation Centre of the Polish National Park 
We are the caretaker of the Animal Rehabilitation Centre of Polesie National 
Park. The centre hosts wild animals, most often sick or abandoned. Thanks 
to careful care, they regain fitness and return to their natural environment. 
Thanks to systemic help, the Centre receives PLN 5 from each debit card 
issued by us from the series with the images of protected animals.
Action Talk to the BOŚ interviewer and help the animals
An important element in the development of the Bank’s offer is the voice 
of our clients. In order to combine standard activities related to researching 
customer opinions and satisfaction with commitment to environmental 
protection, on October 1, 2020, we launched a charity support mechanism. 
For each questionnaire completed by our clients, we donated PLN 1 to the 
charges of animal shelters: shelters of the VIVA Foundation in Korabiewice,  
Na Paluchu in Warsaw and shelters in Milanówek in Polesie. 
4.	 Socially active bank
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

We support climate education
Patronage over the educational project Eco-Experimentarium 
In 2020, we became a partner in the EcoExperimentarium project. The project included 
the „Leakage” exhibition and an educational game for children, thanks to which the 
youngest learn how they can take care of the world in their everyday activities, such as 
shopping, washing or cleaning. The exhibition was available from June 6 to October 31 at 
the Hydropolis Water Knowledge Centre in Wrocław. The interactive exhibition showed the 
influence of individual actions of each of us on the shape of the world. “Leakage” presented 
in an accessible way the theme of diminishing water resources and climate change. Thanks 
to it, it was possible to find out, among other things, how much water is needed to produce 
one pair of jeans, which affects the quality and quantity of water, and the importance of 
forests. 
The game was created for children aged 5 to 11, but the target group is not only children, 
but also their parents and teachers: on a special website they will find interesting materials 
for valuable time with children. The release of the game, due to the COVID-19 pandemic, 
was launched online on December 4, 2020. The game has been designed in line with 
environmental education curriculum requirements.  
Partner of the series „How the climate works” on the popular science vlog by Tomasz 
Rożek, PhD
Together with the National Fund for Environmental Protection and Water 
Management, we supported the creation of 10 educational films, available on the author’s 
vlog of Tomasz Rożek, PhD, „Science. I like that.” As part of the cycle, key information was 
presented, in line with the latest scientific knowledge on what climate change is, how to 
prevent it, and how Renewed Energy Sources (RES) operate.
4.	 Socially active bank 
49
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Partner of the workshops „Earth Day in the Ministry of Climate” and 
„Day about Drought and Retention in the Ministry of Climate”.
In 2020, together with the Ministry of Climate and Environment, with 
the support of the Ministry of National Education and the National 
Fund for Environmental Protection and Water Management, 
we organized an on-line workshop for young people „Earth Day 
in the Ministry of Climate”, to which students from grades 7-8 of 
primary schools and secondary school students were invited. The 
workshops were available live, and each participant, with the help 
of a special chat, could ask a question to Minister Michał Kurtyka 
and take part in lectures by invited experts: “Understanding 
global warming - the mechanism and consequences” ( Mariusz 
Gogól, PhD) and „RES. Where do we get electricity from?” 
(Tomasz Rożek, PhD). At the end of the event, there was a film 
workshop „How to make a professional film with an ordinary 
mobile phone?” with Szymon Chałupka (vlog „We’re filming!”).
The „Earth Day in the Ministry of Climate” took place on April 22, 
2020, while the „Day on Drought and Retention in the Ministry of 
Climate” took place on June 17, 2020. Both events were attended 
by about 24,000 students and teachers. The workshops were 
part of a nationwide educational project of the BOŚ Foundation, 
„Bet on the Sun”, which promotes renewable energy sources and 
encourages young people to undertake local activities to increase 
awareness of this topic.  
4.	 Socially active bank
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

The impact of the COVID -19 pandemic on the activity of BOŚ Bank 
We dealt with the pandemic not only as a member of society and employer, 
but above all as an organisation responsible for our stakeholders. Due to the 
difficult situation, we were flexible in our activities, looking for solutions that 
would be helpful for clients and partners, including both natural persons and 
entrepreneurs.
4.	 Socially active bank 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

The implemented solutions were introduced on many levels, taking into account:
•	
enabling individual clients and entrepreneurs from all segments to 
suspend the repayment of principal instalments of loan products without 
providing additional documents,
•	
enabling individual customers to suspend the performance of the contract 
under Shield 4.0, the so-called Statutory holidays,
•	
enabling our clients to deal with urgent matters electronically in the 
electronic banking systems BOŚBank24 and iBOSS24,
•	
refraining from charging clients with fees and commissions for activities 
performed by the Bank in connection with the mitigation of the negative 
effects of the COVID-19 pandemic,
•	
the use of a special mode of servicing credits, loans, credit cards and 
factoring transactions of our clients in connection with the mitigation of 
the negative effects of the COVID-19 pandemic,
•	
introduction of solutions allowing clients to handle urgent matters 
electronically in the BOŚBank24 and iBOSS24 electronic banking systems. 
Customers were informed on the website and through messages about 
the provision of, inter alia, applications enabling the suspension of loan 
repayments and loan instalments,
•	
refraining in the first half of 2020 from the application of the rigours in 
terms of non-fulfilment of covenants by clients regarding inflows on 
accounts and achieving and/or maintaining financial ratios,
•	
extension by three months, at the customer’s request, of the deadline 
for submitting invoices or acceptance protocols to confirm that the 
investment has been carried out as intended for the „Transparent Loan” 
and „Solar Energy” products,
•	
enabling the delivery of renewals of insurance policies, securing the Bank’s 
receivables, in the form of an unconfirmed copy or in the form of a scan 
sent by e-mail,
•	
increasing the limit of contactless payments to PLN 100 for payment 
cards; due to the situation related to the growing number of COVID-19 
cases, out of concern for the health of customers, the possibility of making 
payments through payment terminals without the use of a PIN has been 
made available, up to the amount of PLN 100. The change also required 
the adaptation of devices installed in retail and service outlets; the higher 
limit was gradually made available at the terminals where the operators 
had already increased the payment amount,
•	
receiving documents signed with a secure electronic signature from clients,
•	
introducing the principle of a limited number of clients in facilities 
in accordance with the guidelines of the General Sanitary Inspector; 
the separation of customers from the service staff is provided with a 
transparent partition; disposable gloves were provided to customers; 
cyclical disinfection of ATMs has been introduced,
•	
joining the solutions implemented by the public administration and 
providing our clients with the possibility of using the funds available 
under the aid program „PFR Financial Shield” launched by the Polish 
Development Fund S.A. (PFR).
4.	 Socially active bank 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

During this time, we provided special support to our employees in order to 
minimise the impact of the pandemic on the activities of the organisation, 
while ensuring the highest safety standards. Our activities focused on several 
key areas to ensure the support and comfort of our employees.
Organisation of work
•	
employees were able to work remotely at their place of residence,
•	
we have introduced a rotational work system for part of the employees,
•	
employees working remotely have been equipped with portable 
computer equipment,
•	
we have provided additional strong authentication mechanisms for all 
employees,
•	
we increased our employees basic data packages in business phones to 
12 GB/month.
A safe place to work
•	
we have introduced safe working conditions for people who cannot work 
remotely through the possibility of maintaining safe distances between 
employees, we additionally took care of the daily disinfection of surfaces 
and carried out fogging and ozonation of rooms,
•	
we equipped direct customer service stations with special partitions and 
disposable gloves,
•	
we purchased disinfection mats that were placed in front of the entrance 
gates to the headquarters,
•	
we purchased non-contact thermometers for individual temperature 
measurement 
and 
installed 
devices 
for 
automatic 
temperature 
measurement for people entering our office,
•	
for employees, we purchased masks with a textile safety certificate in 
accordance with the regulation of the Minister of Health; the masks were 
handed over to all employees along with instructions for their use,
•	
we have developed a health and safety instruction limiting the risk of 
COVID-19 infection and made it available to all employees by posting it in 
public places and on the intranet site.
4.	 Socially active bank
53
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Employee support 
•	
we have launched a dedicated hotline for employees to provide them with 
the opportunity to receive information on the principles of implementing 
the Act of March 2, 2020 on special solutions related to the prevention, 
counteracting and combating COVID-19, other infectious diseases and 
crisis situations caused by them,
•	
we provided willing employees with flu vaccinations in order to increase 
their immunity and, after eliminating flu symptoms, increasing the 
possibility of faster detection of COVID-19 symptoms,
•	
In order to support employees in monitoring the development of the 
Bank’s economic environment and customers, we continue to send all 
employees daily reports containing current information on the economy 
and individual industries in the context of COVID-19.
We also directed our support to those organisations and institutions that 
needed help in a particular way during this difficult period. At the beginning 
of the pandemic, in April 2020, through the Pontifical Association Aid to the 
Church in Need, we supported hospices, care and treatment facilities and 
hospital wards across the country by donating personal protective equipment 
to fight the COVID-19 pandemic. The support included the purchase of  
7 pallets of disinfectants (a total of 3 780 litres) and 2.2 thousand high-quality 
protective masks. The value of the donated products amounted to PLN 150 
thousand gross. At the same time, DM BOŚ joined the action, buying 2.2 
thousand masks. 
At the end of the year, in December 2020, we donated funds to the Polish 
Committee for Social Welfare, which supported the purchase of personal 
hygiene and cleanliness products for the homeless using the Aid Center in 
Siekierki in Warsaw.
At the beginning of 2021, we donated 450,000 surgical masks to two 
hospitals in the Kuyavian-Pomeranian Voivodeship as part of an action 
coordinated by the Ministry of State Assets.
4.	 Socially active bank 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

4.2. Creating a sustainable organisation
4.2.1.  We are a responsible employer who cares about or empoyees and the 
atmosphere of the workplace
Our goal is to create a sustainable organisation. We focus on activities that 
build an engaging work environment and employer branding. Our idea is to 
raise the standards of implementing employment policy, development and 
organising working conditions. We undertake activities aimed at building an 
attractive workplace attracting highly qualified candidates. 
Our efforts have been appreciated by the editors of one of the most valued and 
opinion-forming HR portals in Poland - MarkaPracodawcy.pl, which awarded 
us the Friendly Workplace 2021 awards for our activities in 2020 and during the 
pandemic.  The award is given to companies which, among others: respect and 
support the work-life balance model, support and promote projects friendly 
to communities and the natural environment, create a healthy, safe 
and friendly work environment, invest in the development 
of professional competences and employee interests, 
operate with respect for the rights of the employee. 
MarkaPracatorów.pl pay special attention to the area 
of occupational health and safety as well as activities 
to protect employees’ health. The companies that 
protect employees through increased security 
standards and the organisation of shift or 
remote work, invest e.g. in additional protective 
measures or tools supporting remote work, 
and provide other specific assistance (e.g. 
psychological assistance). We are proud of this 
distinction, the more so because, as a Bank, we passed the exam in social 
responsibility, helping our employees to go through this difficult period of the 
pandemic. An important award for us and another confirmation that we are a 
reliable, recommendable employer is the title in the nationwide programme 
promoting appropriate models and strategies in the field of employee matters 
and employment policy - Responsible Employer - HR Leader.  
4.	 Socially active bank
55
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Holidays 
Our employees use available solutions that allow them to combine professional activity with being a parent. In 2020, 90 women on our team were on parental 
leave. In 2020, 29 women and 9 men returned to work from maternity/paternity leave.  
GRI 401-3 
No.
Return to work and retention rate after  
parental leave, by gender
Women
2020
Men
2020
1
Number of employees entitled to parental leave   
90    
24
2
Number of employees who took parental leave    
90    
10
- including the number of employees who took 
full-time parental leave    
16   
0
3
Number of employees who returned to work 
after parental leave    
31    
9
4
Number of employees who returned to work 
after maternity/paternity leave in the previous 
reporting period and worked in the organisation 
for 12 consecutive months after returning 
(employees with 12 months of work since 
returning in the reporting period)
29
9
4.	 Socially active bank
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Diversity
Our everyday business practice confirms that the team’s value lies in the knowledge, experience and diversity of its 
employees. Currently, we do not have formal documents addressing these issues, which in no way constitutes an 
obstacle to the active implementation of the principles of diversity, which have been an important element of 
our human resources policy for many years. 
One of our core values is the refusal to accept any discrimination in employment, whether it is direct or 
indirect. This applies to key issues such as gender, age, disability, race, religion, nationality, political beliefs, 
trade union membership, ethnic origin, religion, sexual orientation, and the form of employment. We 
create a workplace with equal opportunities for all our employees. We operate in accordance 
with the Convention of the International Labour Organisation. We are committed to the 
International Labour Organization (ILO) by referring to and implementing its standards in 
our organisation. 
We are convinced that diversity is a value that constitutes an important capital of an organisation. 
Therefore, we implement it in our daily business practice and create a diverse workplace, as 
evidenced by the fact that 66% of BOŚ employees are women. In the recruitment process, 
we apply standards in line with the EU Directive on equal treatment. This allows you to provide 
a process that is fully based on objective rationale and established patterns and rules.
We appreciate the experience that foreigners, retirees and people who have acquired the 
right to retirement bring to our staff - they are an important part of our team. Since 2017,  
we have been implementing the „Bank open to the disabled” programme. It allows you 
to perform professional duties in the form of telework, thanks to which it can be performed 
by people with a certified degree of disability.
A sense of security and a friendly work environment are important for our employees, which is 
why we take care to prevent any forms of discrimination or mobbing.   
4.	 Socially active bank 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

In the BOŚ S.A. Group: 
GRI 102-9
The composition of the workforce in the BOŚ Group broken  by employment category, age and gender                                                  
 
     BOARD AND DIRECTORS
MANAGERS, HIGHER  
AND LOWER GRADE
OTHER EMPLOYEES
Women
Men
Total
Women      
Men
Total
Women      
Men
Total
AGE ≤ 29 
0
1
1
1
2
3
63
63
126
AGE 30-50
26
42
68
92
68
160
436
247
683
AGE ≥ 51
6
22
28
32
12
44
169
78
247
TOTAL
32
65
97
125
82
207
668
388
1,056
4.	 Socially active bank
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020
of employees  
are people with disabilities
of employees 
are women
of top management 
are women
1,2%
61%
33%

Education, development and training 
GRI 404-1, GRI 404-2
We know that the development of the organisation is not possible without the 
development of employees, who are its strength, which is why we constantly 
invest in strengthening the competences of our employees. This is 
reflected in our key documents - we have implemented a comprehensive 
training and development policy. It covers all our employees and is an example 
of implementing the principle of equal access to competence development. 
The range of trainings offered is diverse, from those related to the ecological 
mission of our organisation to issues related to the product offer, to highly 
specialised external trainings. Participation in training is possible for all 
Bank employees regardless of seniority. 
We offer middle and senior management employees to participate in the 
competence development program, thanks to which they can perform the role 
of their team leaders more effectively. The manager development programme 
includes participation in such trainings as remote team management, 
counteracting mobbing and discrimination in employment, manager as a 
sales leader and sales team management, leadership or operational coaching.
Trainings organised by us must meet high standards, therefore we evaluate 
them on an ongoing basis in terms of efficiency, satisfaction of employees 
participating in them and the level of knowledge acquired by them, and we 
constantly improve them. This applies to stationary and e-learning training. 
All new employees go through a series of adaptation training, which consists 
of training conducted by experts in a given area and complementary internal 
e-learning training.
We plan all trainings in such a way as to support the development of our 
employees, enabling them to acquire knowledge that can be translated into 
everyday work. They are also an element of supporting our employees in the 
development and preparation for new roles in the organisation, which they 
may take over e.g. as a result of internal recruitment. 
4.	 Socially active bank
Total number of training hours broken down by gender
2020
Women
Men
Total
Total number od 
training hours broken 
down by gender   
15 981
8 058
24 039
Number od employees 
(values identical to the 
data from the  
GRI 102-8 indicator)
750
380
1130
Average number of tra-
ining hours by gender
21
21
21
59
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Employee engagement
Our strength are employees whose knowledge and experience determine 
the development of the organisation. We are constantly planning and 
implementing solutions to ensure the best possible conditions for our 
employees. An important aspect influencing employee satisfaction is the 
personnel policy developed by us. 
To best adjust the planned activities to the needs of employees, we conducted 
an employee opinion poll (BOP), the purpose of which was to check what 
works well in our Bank and what we can improve. 80% of employees devoted 
their time and shared their observations about working at the Bank. The direct 
voice and opinions of our employees are particularly important to us. 
The key finding from the employee opinion survey was the engagement rate. 
It shows in the most reliable way what percentage of employees identify with 
our organisation and engage in daily duties and tasks, as well as implement 
the values of the organisation into their work. This is a fundamental aspect 
of the study that influences business metrics. In the survey, the employee 
engagement rate was 32%, which is 18 percentage points lower than the 
market average and 12 points lower than the banking average. We hope that 
the newly implemented ESG strategy and activities related to it will allow us 
to increase employee involvement and, consequently, improve the current 
results in this key area for us.
The conducted study, in addition to areas for improvement, also showed what 
is our strongest point. The greatest number of responses was obtained by 
cooperation, which was positively assessed by 62% of employees. The most 
appreciated (76% of responses) is keeping in touch with colleagues and the 
fact that you can count on their support. This turned out to be particularly 
important in 2020 and 2021, when the COVID-19 pandemic forced a change 
in work patterns. To meet the challenges related to remote work, we 
responded on an ongoing basis to the needs of implementing a new formula 
for performing professional duties, providing employees with the necessary 
technological solutions, including the transition to such tools as MS Teams 
and internal communicators. This significantly translated into maintaining 
relations and contacts between employees. Another highly rated aspect is 
the statement that teamwork is key in everyday professional activities - it was 
indicated by 73% of the surveyed employees. It allows a sense of belonging to 
an organisation, the implementation of joint activities and pursuit of the set 
business goals. The same percentage of responses obtained the statement 
that co-workers share their knowledge and experience with each other. 
When it comes to relationships with supervisors, 61% of employees feel that 
communication is frank and open, and 60% say they can count on their 
supervisor for support. This is the more positive result for us because, apart 
from finances, it is the good atmosphere and the support of our superiors that 
are one of the key motivators for our employees. 
The results in the area of work-life balance are also optimistic, especially 
considering the fact that the study was conducted in a difficult period related 
to the COVID-19 pandemic. As many as 68% of employees positively assessed 
the supervisor’s support in connection with the pandemic, 67% appreciated 
the possibility of remote work and the implementation of clear rules in this 
aspect. These results show that as an organisation and a team, we were able to 
help each other and deal with various challenges that had a significant impact 
on both professional and private life.
4.	 Socially active bank 
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Bank Ochrony Środowiska S.A. for 2020

We also present data on staff turnover for 2020. The employee departure rate 
amounted to 16.81%, with the vast majority of departures related to employees 
over 50 (41.73%). We are convinced that the activities planned as part of the 
implementation of the ESG strategy for the coming years will be an important 
element in building a workplace that will attract committed employees, and 
the turnover percentage will decrease.
We have solid foundations that we want to use to strengthen the organisational 
culture in order to create the best workplace and increase employee 
engagement. As a bank supporting environmental protection, we form  
a team that works together for ecology and green transformation of both 
the economy and our clients. We are convinced that the common mission is 
what binds us in a special way and becomes an additional motivation in the 
performance of daily duties. Our priority will be the further development of 
employees’ competences and the introduction of a new work model that will 
be agile and hybrid. 
4.	 Socially active bank 
Total number of 
departures (per person) 
broken down by age 
groups:
Number of employees  
(per person)
Number of employees leaving  
(per person)  
in a given age group
Percentage of employees 
leaving
2020
2020
2020
< 30
107
34
31.78%
30-50
745
40
5.37%
> 50
278
116
41.73%
Total
1130
190
16.81%
GRI 401-1
61
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Incentive and remuneration system
We are an equal opportunities organisation from employment to salaries 
and development. We create solutions that, on the one hand, will allow us to 
develop as an organisation, while ensuring creative working conditions for our 
employees. 
All jobs are regularly valued, based on objective, substantive and anti-
discriminatory criteria. The amount of salaries of employees is influenced 
by competences, detailed scope of responsibility, previous professional 
experience and salary benchmarks used in the banking sector. Currently, the 
ratio of the average basic salary of women to men is 75% in managerial and 
senior positions, and 81% in positions lower than managerial positions. In the 
coming years, we will implement dedicated solutions to even out the existing 
differences.
In order to effectively assess the achievement of goals by employees, we 
conduct an employee appraisal process every year.  The process involves 
all employees of the Bank. The annual employee appraisal is based on two 
criteria: the assessment of work results and competences. As part of this 
process, meetings between employees and superiors are conducted, during 
which work is summarised and the activities performed are evaluated. In 
addition, during these meetings, the strengths and weaknesses of employees 
are analysed, goals are set for them and possible development paths. During 
the appraisal interview, employees also have the opportunity to specify their 
own training needs. These meetings are key and objective criteria that allow to 
evaluate the knowledge and commitment of individual team members. They 
are aimed at building a culture of feedback and dialogue, increasing work 
efficiency and enhancing employee motivation. 
GRI 404-3
4.	 Socially active bank 
Employment structure
Percentage of employees assessed
Women
Men
Management Board 
and Directors
100%
100%
Senior and junior  
management positions
100%
100%
Other administrative staff
100%
100%
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020
Managers and senior  
employees
Lower than managerial  
employees
75%
81%

GRI 401-2
From the moment of employment, BOŚ employees can take advantage 
of the package of additional benefits. 
We have signed a contract for the provision of medical services with the ENEL-
MED Medical Center, thanks to which employees can use the medical care 
offer of 30 own facilities of the ENEL-MED Group, as well as from over 1,200 
medical facilities cooperating with the Group throughout the country. As part 
of the benefits offered, employees can use a wide range of medical packages 
tailored to their individual needs and the needs of family members. The 
offer addressed to employees includes four packages: Optimum Package, 
Premium Package, VIP Package, Senior Package. We offer employees partial 
coverage of the cost of packages.
Out of concern for the health of our employees, we organised the possibility of 
getting vaccinated against the flu in our headquarters. In this way, we wanted 
to make it easier for interested employees to access this service. 
An additional benefit offered to our employees is life insurance offered by the 
PZU Group.
Employees also have the opportunity to use the MyBenefit cafeteria platform, 
financed by the Company Benefits Fund, available in a convenient 24/7 online 
form, thanks to which they can conveniently and easily choose the benefits 
that interest them most in the field of sports, culture, tourism, recreation and 
many others. They also receive Multisport cards, which allow them to use the 
range of services available in sports facilities. 
The package of non-wage benefits also includes access to the Legimi platform, 
which offers the possibility of using over 75,000 e-books and audiobooks in 
the form of electronic access. 
4.	 Socially active bank 
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Bank Ochrony Środowiska S.A. for 2020

4.	 Socially active bank
Employee activity
Work is an important part of our life, but it is necessary to look for balance and 
take care of health and physical condition, which are an essential element of a 
healthy lifestyle. We support our employees in this process by promoting health 
and physical activity. There are thirteen sports sections in our organization, in 
which, on a voluntary basis, all employees who share a passion and willingness 
to actively participate in sports can participate. Members of the sports section 
receive funding for the costs related to participation in training sessions, 
sports events, rental of sports facilities and equipment necessary for training. 
The support offered also includes the necessary financing for the purchase 
of sports outfits and equipment needed to represent the Bank in sports 
events. Participation in sections is an opportunity to spend time actively and 
integrate. Employees working in the volleyball and football sections have 
been regularly participating in league games for companies for several years. 
A large variety of sections provides the possibility of physical activity, both for 
team sports and individual sports, e.g. cross-country or skiing. Participation in 
the section allows our employees to participate in various sports events, e.g. 
running events throughout Poland, and among our employees we have many 
marathon runners and half-marathoners. 
 
 
We strive to provide the widest possible scope of assistance offered 
to employees, therefore, in addition to supporting health and physical 
condition, they have the opportunity to take advantage of services that 
will allow them to take care of their mental well-being. A free online 
psychologist service is available for them, launched in cooperation with 
the Dialog Therapy Centre, the cost of which is fully covered. As part of the 
consultation, employees receive psychological support in difficult situations, 
both professional and life. For all our employees, the service is available free of 
charge, 7 days a week, from Monday to Friday from 7.30 am to 10.00 pm and 
on weekends from 8.00 am to 8.00 pm. The facilitation is that you can take 
advantage of the consultation without leaving your home.
Maintaining the well-being of our employees is very important to us, 
which is why during the pandemic period we organised a workshop on 
stressful situations in the new conditions entitled „COVID - stressful work in 
a different reality”, „COVID - stress work in a different reality”. An important 
element of the workshop was to present techniques of coping with stress, 
tension and anxiety related to the changed working conditions and everyday 
functioning. Psychologists conducting the workshop presented effective 
methods focused on emotions that could be used at home and at work. The 
workshop was open to all employees. 
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Bank Ochrony Środowiska S.A. for 2020

Ergonomics and safety in the workplace
GRI 403-2, GRI 403-1
Safety in the workplace is an area in which we strive to ensure the highest 
standards so as to be sure that our employees will be able to work in 
comfortable conditions. On the one hand, we take care of up-to-date training 
in the field of occupational health and safety and of the appropriate standards 
in terms of workplace equipment. 
In 2020, we did not identify any threats that could have a negative impact in 
the area of health and safety at work. 
As for accidents, in 2020 there were two such events, of a light nature (incidents). 
4.	 Socially active bank 
Data on employees of the organisation
2020
Women
Men
Total number of accidents (incidents) at work
2
0
Number of fatal accidents (incidents)
0
0
Number of serious accidents (incidents)
0
0
Number of minor accidents (incidents)
2
0
Total number of person injured in accidents
2
65
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Our employees take part in regular health and safety workshops, including 
general instruction. The OHS service is informed on an ongoing basis about 
the employment of new employees, and OHS is one of the first training blocks 
during adaptation training. 
Complementary periodic training in the field of health and safety is organised 
for employees in administrative and office positions, as well as for employers 
and people managing teams. The developed system allows for periodic 
training to be provided on the basis of data from the HR system at least 
one month in advance. This allows employees to efficiently gain access to 
the training platform, where they can read the materials, take part in the 
programme and take the final knowledge test in the form of e-learning. 
The overall process of identifying training needs is described in detail in our 
internal regulations, available to employees. 
The OHS training system is an important element of the wider OHS 
management process at our Bank, an important part of which is also the OHS 
committee representing 100% of employees in the organisation, regardless of 
the place of work or the type of contract concluded, i.e. it has no influence on 
whether the employee has concluded an employment contract or performs 
work on the basis of a mandate contract. 
The role of employees who participate in formal committees that include 
management and health and safety workers is important. It is an important 
advisory voice in occupational health and safety programmes as well as in 
monitoring existing programmes.
4.	 Socially active bank 
Accident frequency index (IR, calculated as the total number  
of people injured in accidents/employment x 1000) 
2020
Women
Men
Total
2,7
0
1,8
Accident severity rate (calculated as the number of days of inability 
to work due to an accident/number of accidents)
2020
Women
Men
Total
6,5
0
6,5
66
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

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We are full 
of green energy
5.	 Conscious organisation 
• 
100% of newly hired employees completed the Bank's proprietary training in ecology
• 
100% of management board members are familiar with the organisation's ani-corruption  
policy and procedures
• 
We have developed with other organisations the "Bank's Statement on the Standard for 
Plain Language" and "Good Practice for Plain Banking Communications" 
Our goals for 2021-2023: 
•	
Review of the Bank's risk management system in terms of ESG risks 
•	
Assessment of clients in terms of ESG risks
•	
Portfolio assessment taking into account ESG risks 
•	
Application of ESG standards for suppliers  
Our ambition:
We integrate transparency with accountability. We improve transparency practices 
and effectively adapt to new regulations. We are open to an external ESG assessment 
and we want to improve our ESG rating in the coming years.
Taking into account the dynamics of changes in the environment in which we ope-
rate, we provide the best solutions in the field of risk management, and constantly 
improve our internal solutions supporting sustainable development. 
In 2020, no supply chain problems or controversies arose at our Bank. 
67
ESG Report  
Bank Ochrony Środowiska S.A. for 2020

5.1. Integrating transparency and accountability
5.1.1. We conduct our business in a transparent manner, using the best ESG 
market practices
GRI 206-1 
We are committed to the highest standards related to ensuring 
transparency and implementing best market practices in the ESG 
process. We base our activities on the provisions of law and the 
principles of honesty, professionalism, reliability and due diligence. 
Relationships with our partners and customers are based on trust. 
This is reflected in our external as well as internal activities. We 
build our image by promoting and following ethical standards 
and good market practices.
An important aspect of our activities is the implementation of 
compliance and corporate governance solutions. We know that 
well-developed standards are an important factor in building 
process transparency and organisational culture. The key 
documents in this respect are the „Compliance Policy” and the 
„Principles of Compliance Risk Management”. The main goal of 
the Compliance Policy is to define the basic principles of ensuring 
compliance of our organisation’s activities with applicable law, as well as 
internal regulations and broadly understood market standards.
5.	 Conscious organisation 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

It should be emphasized that even the highest standards do not provide full protection 
against violations or errors that may occur, which we are aware of. Our customers can 
use the complaints process. Detailed forms of submitting complaints are specified 
in the document „Rules for accepting and considering complaints at BOŚ S.A.”. 
All incoming complaints are recorded in a dtedicated application, which is a central 
register of complaints. The entire complaint handling process is fully centralised and 
carried out at the level of a separate office in the headquarters. A process developed 
in this way helps to ensure the quality of handling of all incoming complaints. It also 
allows you to create periodic reports on complaints, which are analysed, among 
others by the Operational Risk Committee and communicated to the members 
of the Management Board, the presented conclusions and summaries are also 
used in other reports - compliance or business reports. 
An important element of managing this process was the introduction of out-of-
court dispute resolution by us. In the event of a response related to a negative 
consideration of the complaint, clients are informed that it is possible to refer the 
case to the Conciliation Court at the Polish Financial Supervision Authority or to the 
Banking Arbitrator and Financial Ombudsman.
In 2020, there was one court proceeding,  which concerned conduct violating the 
freedom of competition or antitrust laws, in which the organisation acted as a participant. 
5.	 Conscious organisation 
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Bank Ochrony Środowiska S.A. for 2020

Security of customer data
We give priority to data security issues, including the security of our Clients’ 
data in electronic banking (online and mobile). The solutions we implement 
ensure the convenience of using modern electronic banking tools, while 
ensuring the highest standards of protection. The electronic banking 
system - BOŚBank24 meets all security standards. We know that the 
digitisation process creates threats in the area of cybercrime, which is why we 
constantly develop security systems, at the same time providing our clients 
with knowledge about the basic principles of security. For this purpose, on 
our websites https://www.bosbank.pl/wazne-informacje/bezpieczenstwo 
we update information related to safe logging in on an ongoing basis, 
including how to safely finish work on the website. We also offer ongoing 
support for interested customers. We are available through the Helpline 
open on working days from 7:45 AM to 9:00 PM and on Saturdays from  
10:00 AM to 6:00 PM.
In 2019, we introduced a mechanism for encrypting sensitive data at 
the level of database files, which provides additional protection - even 
if the data is acquired by an attacker, it will not be readable. 
In terms of data security, we implement all procedures in accordance 
with Polish and European law. We use solutions for pseudonymisation 
mechanisms which comply with the guidelines laid down in the General 
Data Protection Regulation of the European Union (RODO/GDPR). This 
allows data to be processed in such a way that it cannot be associated with 
a specific data subject. Importantly, for a selected group of employees for 
whom access to personal data is necessary due to the performance of their 
official duties, they are still visible in an unchanged (public) form. Other 
employees, when accessing this data, see anonymised data, i.e. for example, 
instead of the first and last name, a string of letters or numbers that can be 
decoded only on the basis of separately stored information (key).
As of 2019, all processes related to the data security area are described in 
detail in the document „Rules for the security of information protected 
at Bank Ochrony Środowiska S.A.”.
In the field of personal data processing, we follow the applicable provisions 
and regulations on the protection of personal data, in particular the GDPR, 
and in accordance with the „Personal data protection policy at Bank 
Ochrony Środowiska S.A.”.  We have also developed our own regulations, 
in particular - „Rules for entrusting and sharing personal data by Bank 
Ochrony Środowiska S.A.”, which define detailed procedures for entrusting 
and sharing personal data with other entities: clients, employees or other 
natural persons, to the extent that they are processed by us as the data 
controller. Another important document is the „Personal data retention 
policy at Bank Ochrony Środowiska S.A.”, which defines the rules of data 
processing after achieving the original goals related to their use.  
5.	 Conscious organisation 
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Raport ESG  
Banku Ochrony Środowiska za rok 2020

Image and honest communication
Our image is based on honesty, reliability and building an organisation supporting 
sustainable development and green transformation. We are aware that from the beginning 
of our activity, the name - Bank Ochrony Środowiska [Bank of Environmental Protection] 
has stood out on the market, being a clear signal of what is the essence of our business 
activity. We are aware that environmental or climate change issues, especially in recent 
times, are the subject of public debate. We want our voice to be heard in this area 
as well, therefore we engage in important initiatives in the field of promotion and 
education of ecological attitudes.
This area requires constant deepening of knowledge, therefore our clients and 
partners can count on our advisory voice and support in this area at every stage of 
contact with our employees, available in 50 locations throughout the country, as 
well as through the Hotline.
In communication with clients, in accordance with the best market practices, we 
strive to translate difficult or strictly regulated issues into a comprehensible and 
simple language. We joined the campaign to simplify communication and promote 
comprehensible language in banking practice. The overriding goal is to promote the 
change of the banking language so as to facilitate cooperation between banking 
institutions and clients, and in the long term to improve mutual relations.
We work in the simple communication working group, which has been operating since 
June 2020 at the Polish Bank Association. The result of its work was the preparation 
of the „Declaration of banks on the plain language standard”, to which we joined as 
one of the twenty signatories. The declaration is extended by „Good Practices of Simple 
Banking Communication”. They contain four areas of information: a catalogue of plain 
language principles, detailed guidelines on how to teach and promote plain language, what 
plain language document standards should contain, and what research and indicators can be 
used to measure progress in simplifying the language.
5.	 Conscious organisation 
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Bank Ochrony Środowiska S.A. for 2020

5.1.2. We are committed to having a sustainable value chain 
Description of planned activities in the field of supplier verification, implementation of green  
purchasing policy
GRI 102-9
We perceive our responsibility in many dimensions, not only in relation to employees or customers, 
but also as a company with a supply chain. As a financial institution, we have a limited supply 
chain, but we take steps to ensure that our suppliers operate in accordance with the principles of 
sustainable development.
We are aware that the implementation of changes in the monitoring and evaluation of the 
supply chain requires time and significant expenditure, for example related to the verification of 
suppliers, as well as the development of detailed regulations to which they will be subject. This 
is a process that also involves our existing partners, so we want to give them time to properly 
prepare for it. We have implementedpublished the „ESG Principles” for our suppliers and we 
are taking steps to implement them in the purchasing policy from 2022.
Purchasing is coordinated by the Purchasing Office, which manages the entire process. Each 
purchasing commitment is strictly governed by separate agreements. The scope of the purchases 
includes services (IT, legal, advisory, cleaning, marketing) and goods (IT equipment, software, advertising 
materials, office supplies, furniture). 
5.	 Conscious organisation 
72
Raport ESG  
Banku Ochrony Środowiska za rok 2020
In the coming years, we plan to:
•	
100% of new suppliers covered by a sustainable purchasing policy from 2022 
•	
100% of new contracts for institutional clients with a human rights clause from 2022
•	
building a sustainable supply chain through, inter alia, monitoring and application of 
rules enabling the exclusion of suppliers who do not meet the Bank's ESG requirements

5.2. Responsible ESG management
5.2.1. We effectively manage ESG issues within the organisation
GRI 405-1, GRI 102-11 
We are at the stage of developing a comprehensive ESG process 
management programme. Issues in this area are currently managed by 
selected organisational units of the head office, under the existing and 
modified procedures, and all work is supervised by the most important 
bodies of the Supervisory Board and the Management Board of the Bank.
The Supervisory Board currently consists of 10 members, including one 
woman. Within the Supervisory Board, five committees are appointed to 
deal with specific areas in detail. These are the Internal Audit Committee, 
the Risk Committee, the Ecology Committee, the Remuneration and 
Appointment Committee and the Bank’s Strategy and Development 
Committee. Such thematically separate committees allow for the best 
possible management of these important areas for the Bank. We make sure 
that the highest standards are met at the management level, which is why 
members of the Supervisory Board are members of the Supervisory Board’s 
committees. The composition of individual committees is selected each 
time by the Supervisory Board pursuant to a resolution. 
Meetings of the Supervisory Board are held on average once a month. The 
Regulations of the Board also allow the adoption of resolutions outside the 
meeting, using means of direct remote communication.
We are transparent in our activities, therefore all detailed information on the 
Bank’s activities, including the functioning of the Supervisory Board, is made 
public. Due to professional relations with shareholders holding at least 5% of 
the total number of votes in the shareholding structure of BOŚ SA, currently 
3 members of the Supervisory Board do not meet the independence criteria. 
The other persons appointed to the Supervisory Board are independent.
There are currently five members of the Bank’s Management Board, 
including one woman. Meetings of the Management Board are regular and 
take place at least once a week. Pursuant to the regulations in force, the 
Management Board also adopts resolutions outside the meeting by means 
of direct remote communication.
The role and tasks of the Bank’s bodies are strictly regulated by external 
regulations (including the Commercial Companies Code or the Banking Law) 
and detailed internal regulations specified in such documents as - „Bank’s 
Articles of Association”, „Supervisory Board Regulations”, „Management 
Board Regulations”, „Rules for servicing the Management Board and 
Supervisory Board of BOŚ SA” and the regulations of individual committees 
of the Supervisory Board. 
Taking care of the highest standards, we ensure that all Members of the 
Management Board and all Members of the Supervisory Board meet the 
criteria referred to in Art. 22aa of the Banking Law. They have the necessary 
knowledge, skills and experience adequate to their functions and assigned 
duties. It is also important to guarantee the proper performance of these duties. 
5.	 Conscious organisation 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

The term of office of the Management Board and the Supervisory Board 
is three years. The selection of each member is done on the basis of our 
organisation’s „Suitability Assessment Policy” which applies to candidates 
for Board member(s) and candidates for Supervisory Board member(s) 
respectively. There are cases when members of the Supervisory Board 
or the Management Board are dismissed/appointed during their term of 
office. Members of the Management Board are selected by the Supervisory 
Board as a result of a qualification procedure. Members of the Supervisory 
Board are elected by the General Meeting of Shareholders.
The system developed in this way allows for the efficient functioning of the 
highest management and control bodies, thanks to which in 2020 we did 
not record any incidents related to breach of corporate governance.
GRI 102-16 
The values that guide us in our work are not only communicated externally, 
but above all, we make sure that they are the actual foundation of our daily 
activities and correspond to the principles of sustainable development. We 
make sure that all developed processes and procedures meet the highest 
standards. Our key values are therefore reflected in internal regulations, but 
what is important, they are part of our organizational culture, translating into 
the attitudes and behaviour of employees. 
 
Key principles of transparency, integrity and ethics are governed by: 
•	
Code of Ethics of BOŚ S.A., 
•	
Code of Banking Ethics (Principles of Good Banking Practice), 
•	
Rules for accepting and transferring benefits or gifts at Bank Ochrony 
Środowiska S.A.,
•	
Policy of counteracting and managing conflicts of interest at Bank 
Ochrony Środowiska S.A., 
•	
Rules of accepting and transferring incentives in BOŚ S.A.,
•	
Procedure for anonymous reporting of breaches of law and ethical 
procedures and standards in force at Bank Ochrony Środowiska S.A.,
•	
Working Regulations.
5.	 Conscious organisation 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

Ethics-related solutions cannot be implemented only at the level of internal 
regulations, but must become the foundation of organisational culture. 
We know that only then can they be used effectively and be a reference 
point in problematic or difficult situations that may occur. To ensure the 
best knowledge of the solutions, we conduct regular trainings in the field 
of anti-corruption policies and procedures. In 2020, 83% of employees 
familiarised themselves with the anti-corruption policy and procedures in 
the organisation at the management level and 84% of employees in other 
positions. As far as training is concerned, it amounts to 86% and 89% of 
employees in particular employment categories, respectively. We strive to 
achieve 100% training and knowledge of these documents by employees in 
the near future. 
5.	 Conscious organisation 
Percentage and total number of business units analysed for risks related to corruption and identified risks
1
Total number of business units of the organisation
4
2
Total number of business units analysed for corruption risk
4
3
Percentage of business units analysed for corruption risk
100,00%
Corporate ethics
The key document regulating the issues of ethics in our organisation is the „Code of Ethics of BOŚ S.A.”.
Ethics and anti-corruption
GRI 205-1, GRI 205-2
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Bank Ochrony Środowiska S.A. for 2020

The solutions we have implemented make demands on the entire organisation and every employee, but in the long run they allow us to build  
a trustworthy organisation.
5.	 Conscious organisation 
employment categories
employment category 1  
– office and branch employees
employment category 2 
 – management staff
The total number of employees (in line with GRI 102-8) broken down 
by employment categories
924
206
Number of employees who have familiarised themselves with the 
organisation’s anti-corruption policies and procedures
767
173
Percentage of employees who have familiarised themselves with 
the organisation’s anti-corruption policies and procedures
83%
84%
Number of employees who received anti-corruption training
793
184
Percentage of employees who received anti-corruption training
86%
89%
Total number of members of management bodies
10
Number of board members who have familiarised themselves with 
the organisation’s anti-corruption policies and procedures
10
Percentage of board members who have familiarised themselves 
with the organisation’s anti-corruption policies and procedures
100%
Number of members of management bodies who received anti-cor-
ruption training
0
Percentage of board members who have received anti-corruption 
training
0%
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

ESG risks
GRI 102-11
As a Bank, we are aware of the ongoing climate change and the risks 
associated with it, which also affect our business. Our new ESG strategy 
involves reviewing our risk management system and integrating it 
with analysis of key ESG risks. 
BOŚ Bank S.A.   introduced a new aspect to the credit risk 
assessment process, i.e. the assessment of ESG risks of 
potential borrowers. Before making a decision on financing, it is 
assessed whether the client supports environmental protection 
(E-environmental), cares for the society (S - social responsibility) as well 
as whether he or she maintains proper corporate governance in the 
company’s structures. The importance of non-financial factors in the 
opinion of entities is systematically growing. Along with the evolution 
of the capital market, the company’s „quality” is perceived not only by its 
financial results, but also by its care for the environment, local community, 
customers, employees and shareholders. Assessing all these aspects allows 
you to assess whether the company operates in a sustainable development 
environment. The assessment of ESG risks takes into account such factors 
as: whether the conducted activity is in accordance with the environmental 
5.	 Conscious organisation 
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ESG Report  
Bank Ochrony Środowiska S.A. for 2020

5.	 Conscious organisation 
protection law, whether the activity does not lead to environmental pollution, 
whether workers’ rights are complied with, whether the activity does not 
adversely affect local social relations, whether there are processes corruption, 
whether customer data is protected, etc. Pursuant to the new rules, the Bank, 
when assessing applications for loan financing, verifies and assesses the risk 
in these areas. The assessment is graded.  A risk is regarded as critical if its 
materialisation or disclosure could result in a loss of creditworthiness or could 
adversely affect the Bank’s image. The guiding principle is to avoid transactions 
that could have the above effects. This approach is reflected in the provisions 
of the existing Credit Risk Management Policy, which states that in the area of 
lending, the Bank takes measures to support the achievement of global climate 
change impact reduction targets, fully aware of the need to take into account 
environmental, social and corporate governance factors (ESG factors), which it 
considers in its approach to risk management and capital investment.
BOŚ Bank S.A. has introduced a new aspect of credit risk assessment, i.e. ESG 
risk assessment, for selected customer segments; for the remaining segments 
(except retail customers) the solutions will be introduced by the end of 2021.  
Work is underway to implement the necessary solutions in operating procedures. 
Changes in regulations in this regard are planned for implementation in the 
fourth quarter of 2021. It is planned to conduct a detailed analysis related to 
climate risks and their impact on the business.
Whistleblower programme - possibility to report violations
GRI 102-17
Our Bank has a Procedure for anonymous reporting of violations of law and 
ethical standards and procedures applicable in Bank Ochrony Środowiska.  
We allow employees to submit anonymous reports, which are treated 
confidentially.  
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Bank Ochrony Środowiska S.A. for 2020

6.	 Green power bank 
We are convinced that only the path of sustainable development, developed from the business 
side on the basis of the ESG strategy, will allow our organisation to be a leader in offering services 
and products in the field of green transformation. We are at the stage of implementing a new 
business model that will support our activities in this area even more effectively. Our mission is 
to innovate and effectively support green transformation. In order to effectively achieve this goal, 
we have linked the ESG strategy with the assumptions of the business strategy. Thanks to this, 
our initiatives in the business area will at the same time implement our aspirations for sustainable 
development. 
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Bank Ochrony Środowiska S.A. for 2020

03. Consious organisation
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Green power
Bank
01. Green transformation leader
E
6.	 Green power bank  
Framework of the BOŚ strategy
GRI 102-40
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Bank Ochrony Środowiska S.A. for 2020

The new ESG BOŚ strategy covers the years 2021-2023, but the priorities 
we outline are of a long-term nature. We take an exceptional approach to 
environmental and climate commitments. We will continue to develop 
our competences in the field of ecology and technologies that support 
emission reduction. Our ambition is to support green transformation 
and be a leader of green change, taking into account both internal and 
external impact. That is why we start green changes primarily with ourselves, 
changing our organisation and processes so as to minimise our negative 
impact on the environment. Our offer focuses on financing pro-ecological 
projects that will be part of building a green transformation. We want to 
offer green financial products and continue to consistently develop our 
ecological portfolio.  Our clients can count on consulting in the field of green 
transformation and taxonomy in implemented projects. We have ambitious 
goals, we want to achieve an increase in the share of green assets in the loan 
portfolio to 50% by 2023.
We are already monitoring our carbon footprint and we know the challenges 
we have to deal with in this area. We assume that by the end of 2023 we will 
manage to reduce our carbon footprint by 20% compared to 2020, and the 
electricity we use will be 100% renewable from 2022 or we will ensure its offset.
We undertake a number of activities targeted at various stakeholder 
groups in order to be a socially active bank and support sustainable 
development. The BOŚ Bank Foundation will continue to implement pro-
social programmes. At the same time, we will work to increase employee 
involvement and create a friendly work environment. Environmental education 
is also an important part of our activities, so we will be building an educational 
platform to support the development of green projects along with a guide for 
the market on the principles of sustainable financing in 2022. 
We are a conscious organization, therefore we integrate transparency with 
responsibility while building a long-term cultural change in the organisation, 
developing the competences of our employees and introducing a new model 
of work - agile and hybrid. By 2023, we want to raise the employee engagement 
rate to 58%.
We know that the change process takes time, as well as building awareness 
among different stakeholder groups, which is why we will implement 
comprehensive risk management related to the areas of business ethics. 
We are working to implement and publish a policy for building community 
relations and minimising negative impacts on society in 2022. 
An important element in the implementation of our strategy is building a 
commitment to cooperate with suppliers. We want to have a sustainable value 
chain. Already in 2022, we plan for 100% of new suppliers to be covered by a 
sustainable purchasing policy and for 100% of new contracts for institutional 
clients to have a human rights clause.
6.	 Green power bank  
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Bank Ochrony Środowiska S.A. for 2020

BOŚ Bank with strong foundations for the coming years  
We already have a solid foundation that will help us make the transition 
through the process of transformation and implementation of the new 
business model. At the moment we have a significant share of green assets in 
our portfolio - over 1/3 are green loans, which is significantly higher than other 
banks.
Our expertise is based on the knowledge and experience shared by members 
of an expert team consisting of engineers - environmentalists and experts 
experienced in consulting in the field of transformation projects. 
The current conditions and our environment allow us to develop further. We 
cooperate with key institutions involved in green transformation, including 
the National Fund for Environmental Protection and Water Management 
(NFOŚiGW), provincial funds (WFOŚiGW), the Polish Development Fund (PFR) 
and the Bank Gospodarstwa Krajowego - national development bank (BGK).
We are distinguished by an organisation brand that has been built for 30 years 
and is clearly associated with ecology. We consistently strengthen our image 
by taking a number of pro-ecological activities, such as the cyclical publication 
of the BOŚ Ecological Report, transformed from the current issue into a wider 
ESG Report. 
6.	 Green power bank  
Our ESG Strategy implements the United Nations Sustainable 
Development Goals. 
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Bank Ochrony Środowiska S.A. for 2020

GRI 102-45, GRI 102-46, GRI 102-47, GRI 102-50, GRI 102-51, GRI 102-52,  
GRI 102-53, GRI 102-54, GRI 102-55 
The ESG report of the Bank Ochrony Środowiska S.A. Capital Group presents 
the Group's activities for 2020, unless the content states otherwise. The report 
presents the activities of the Bank Ochrony Środowiska Group, including Bank 
Ochrony Środowiska SA as the parent company and companies belonging 
to the Bank Ochrony Środowiska Group as at 31 December 2020, i.e .: Dom 
Maklerski BOŚ S.A., BOŚ Leasing - EKO Profit S.A., indirect subsidiary MS Wind 
Sp. z o.o. The report also presents the activities of the Bank Ochrony Środowiska 
Foundation. 
It is the first publication that covers economic and social aspects in addition to 
sustainable development issues. 
Reporting standard 
The report was prepared in accordance with the Global Reporting Initiative  
(GRI Standards) international standard for non-financial reporting in its Core 
version. The report has not been subject to external verification. 
Summary reports of ESG activities will be prepared on an annual basis. 
An external advisor participated in the preparation of the document. All presented 
data and information were consulted internally and verified by the responsible 
employees in a given area.
Should you have any questions, please contact:
Managing director in charge of the Ecology, Taxonomy and Analyses Division
Mariusz Samordak
Email address:  mariusz.samordak@bosbank.pl 
7. About the Report 
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Bank Ochrony Środowiska S.A. for 2020

Tabela GRI 
Indicator 
number
Indicator name
Description
Page
Organisation Profile 
GRI 102-1
Organisation name
2. About Us
5
GRI 102-2
Core brands, products and services
2. About Us
5, 16
GRI 102-3
Headquarters location
2. About Us
5
GRI 102-4
Number of countries where the organisation operates and 
names of these countries
2. About Us
5
GRI 102-5
Form of ownership and legal form of the organisation
2. About Us
5
GRI 102-6
Markets served
2. About Us
5
GRI 102-7
Scale of operations
2. About Us
GRI 102-8
Staff information
6. Responsible Organisation of the Future 
10
GRI 102-9
Value chain
6.1.2 We are committed to having a sustainable value chain 
10, 58, 72
GRI 102-10
Significant changes in the organisation and its supply chain
No significant changes in the structure of the organisation and its value 
chain in 2020.
GRI 102-11
Precautionary principles applied
6. Responsible Organisation of the Future 
73, 77
GRI 102-12
External initiatives adopted by the organisation
4.1.1 We are actively involved in financing sustainable investments
19, 20
GRI 102-13
Membership in associations
4.1.1 We are actively involved in financing sustainable investments
19, 20
Strategy
GRI 102-14
Statement by top management
1. Letter from the President
3
GRI 102-15
Description of key impacts, risks and opportunities
2. About Us
3, 11
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Bank Ochrony Środowiska S.A. for 2020

Indicator 
number
Indicator name
Description
Page
Ethics
GRI 102-16
Internally formulated mission or values of the organisation, code 
of conduct and code of ethics
5.2.1 We manage ESG issues effectively within the organisation
74
GRI 102-17
Internal and external mechanisms to obtain advice on behaviour 
on ethical and legal matters and affairs 
Internal: 5.2.1. We effectively manage ESG issues within the organisation
External: 6. Green power bank
Corporate 
governance
GRI 102-18
The structure and composition of the organisation's governing 
body
2. About Us
9
Stakeholder involvement
GRI 102-40
List of stakeholder groups engaged by the reporting organisation
Clients and key cooperating entities listed in chapter 6. Green power 
bank
80
GRI 102-41
Employees covered by collective bargaining agreements
No employees covered by collective bargaining agreements
GRI 102-42
Basics of identifying and selecting stakeholders engaged by the 
organisation
Stakeholders were selected on the basis of many years of cooperation 
with BOŚ.
GRI 102-43
Approach to stakeholder engagement, including frequency of 
engagement by type and by stakeholder group
6. Green power bank
Reporting
GRI 102-45
List of entities covered by the consolidated financial statements
2. About Us
5, 83
GRI 102-46
Process of defining report content and aspect boundaries
7. About the Report
83
GRI 102-47
Relevant topics identified
7. About the Report
83
GRI 102-48
Explanation of the effects of any adjustments to the information 
contained in previous reports, giving reasons for their 
introduction and their impact (e.g. mergers, acquisitions, change 
in the base year/period, nature of business, measurement 
methods)
7. About the Report  
No information revisions as this is the first ESG report
Tabela GRI 
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Bank Ochrony Środowiska S.A. for 2020

Indicator 
number
Indicator name
Description
Page
GRI 102-49
Changes in reporting
This is the first ESG report
GRI 102-50
Reporting period
7. About the Report
83
GRI 102-52
Reporting cycle
7. About the Report
83
GRI 102-53
Contact regarding the report
7. About the Report
83
GRI 102-54
GRI Standards Reporting Statement
7. About the Report
83
GRI 102-55
GRI Content Index
7. About the Report
55
GRI 102-56
Policy and current practice on external 
verification of the report
The report was not subject to external verification
Management approach
GRI 103-1
Clarification of the topics identified as significant along with an 
indication of limitations
2.2. Business model
4.1.2. Thanks to our unique expertise, we comprehensively support and 
advise clients in the transformation process
16
GRI 103-2
Management approach and its elements
4.2.1. We implement the highest standards of managing our 
environmental impact
5.2.1. We effectively manage ESG issues within the organisation
GRI 103-3
Evaluation of the management approach
4. Responsible organisation of the future
5.2.1. We effectively manage ESG issues within the organisation  
- ESG Risks
Counteracting corruption 
GRI 205-1
Percentage and total number of business units analysed for 
corruption risks
5.1.1 We conduct our business in a transparent manner using best 
market ESG practices
75
GRI 205-2
Percentage of employees trained in anti-corruption policies and 
procedures in the organisation
5.1.1 We conduct our business in a transparent manner using best 
market ESG practices
75
GRI 205-3
Confirmed cases of corruption and action taken
No confirmed cases of corruption in 2020.
68
Tabela GRI 
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Indicator 
number
Indicator name
Description
Page
Violation of the principles of free competition 
GRI 206-1
Legal steps taken against organisation for violations of free 
competition rules and antitrust practices
In 2020, the BOŚ recorded no such violations.
68
Indirect economic impact
GRI 203-1
Supported infrastructure investments and services
4.1.1 We are actively involved in financing sustainable investments
24
Environmental topics
Energy
GRI 302-1
Energy consumption of the organisation 
3.2.1. We implement the highest standards of managing our 
environmental impact 
35
Water
GRI 303-1
Total water intake by source
3.2.1. We implement the highest standards of managing our 
environmental impact 
37
GRI 303-5
Water consumption in the organisation
3.2.1. We implement the highest standards of managing our 
environmental impact 
37
Emissions
GRI 305-1
Scope 1 emissions 
3.2.1. We implement the highest standards of managing our 
environmental impact 
33
GRI 305-2
Scope 2 emissions
3.2.1. We implement the highest standards of managing our 
environmental impact 
33
GRI 305-3
Scope 3 emissions
3.2.1. We implement the highest standards of managing our 
environmental impact 
33
GRI 305-4
GHG emission reduction targets
3.2.1. We implement the highest standards of managing our 
environmental impact 
33
Tabela GRI 
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Indicator 
number
Indicator name
Description
Page
GRI 305-5
Reduction of greenhouse gas emissions
3.2.1. We implement the highest standards of managing our 
environmental impact
GRI 305-7
Emissions of NOx, SOx and other significant compounds emitted 
to air
No NOx, SOx and other significant compounds emitted to air
Waste
GRI 306-2
Waste by type and disposal method
4.2.1. We implement the highest standards of managing our 
environmental impact 
36
Compliance with environmental regulations
GRI 307-1
Monetary value of fines and total number of non-financial 
sanctions for non-compliance with environmental laws and/or 
regulations
In 2020, BOŚ did not receive a penalty for non-compliance with 
environmental regulations
Social topics
Employment
GRI 401-1
Total number and rates of hiring new employees and employee 
turnover
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace
61
GRI 401-2
Benefits provided to full-time employees not eligible for 
temporary or part-time employees
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace
63
GRI 401-3
Parental leaves
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace
56
Health and safety at work
GRI 403-2
Rates of injury, occupational diseases, lost days and absenteeism 
and number of work-related fatalities
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace
65
Education and training
GRI 404-1
Average number of training hours per year per employee
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace
59
Tabela GRI 
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Indicator 
number
Indicator name
Description
Page
GRI 404-2
Managerial skills development and lifelong learning programmes 
that support staff continuity and facilitate end-of-career 
management
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace
59
GRI 404-3
Percentage of employees subject to regular job quality and 
career development reviews, by gender and employment 
category 
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace 
62
Diversity and equal opportunities
GRI 405-1
Composition of management bodies and workforce broken 
down into categories by sex and age 
4.2.1 We are a responsible employer who cares about our employees and 
the atmosphere of the workplace
73
Counteracting discrimination
GRI 406-1
Total number of cases of discrimination and corrective action 
taken
In 2020, BOŚ did not record any cases of discrimination
Freedom of association and the right to collective bargaining
GRI 407-1
Identified entities and key suppliers that may or may be at 
serious risk of violating freedom of association and collective 
bargaining, and actions taken to protect these rights
In 2020, BOŚ did not record any violations related to the violation of the 
freedom of association and collective bargaining
Local community
GRI 413-1
Actions taken with local communities 
4.1.2 We are a responsible and committed partner for important social 
activities
41
GRI 413-2
Activities of the organisation having a negative impact on the 
local community
In 2020, BOŚ did not notice any negative impact of the organisation on 
the local community
Participation in public life
GRI 415-1
Total value of financial and in-kind contributions to political 
parties, politicians, and related institutions, by country
In 2020, BOŚ did not allocate any donations for political purposes
Compliance with social and economic regulations 
GRI 419-1
Non-compliance with laws and socio-economic regulations
In 2020, BOŚ recorded no such cases 
Tabela GRI 
89
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Bank Ochrony Środowiska S.A. for 2020

Bank Ochrony Środowiska S.A. declares that the content published in the Report in the Environmental, Social, Governance (ESG) Strategy is for informational purposes only and 
is the property of the Bank. Any dissemination of the content made available requires the Bank's consent in each case. The Bank declares that the overarching goals are related 
to environmental, social and corporate governance. Anyone interested in more information on products and services should contact the call centre or one of the bank's branches. 
This document - its graphic image (the Bank's logo) and its content are the property of Bank Ochrony Środowiska S.A., and copying it in whole or in part requires the prior consent 
of the Bank. Bank Ochrony Środowiska S.A. at ul. Żelazna 32, 00-832 Warsaw, entered in the Register of Entrepreneurs of the National Court Register by the District Court for the 
capital city of Warsaw in Warsaw, 13th Commercial Division of the National Court Register under KRS number 0000015525, NIP 527-020-33-13 and share capital in the amount of  
PLN 929 476 710 paid in full.
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