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"Managing sustainability has historically been one of Bankinter Group's priorities. Its companies have put in place sustainability policies, from which sustainability plans have been developed to foster management in three dimensions - business, social and environmental - in line with the inclusive and sustainable development objective of the United Nations 2030 Agenda."
 D. Pedro Guerrero, Chairman of Bankinter


Sustainability Policy
  1. Good governance of the Organization, fostering the best practices in Corporate Governance and ensuring compliance with applicable law, advocacy for sustainable finances, transparency, ethics in business practices, adequate risk management, advocacy for a transparent fiscal policy grounded in sound and prudent criteria, and the implementation of the best practices in information security.

  2. To build a balanced and honest relationship with our stakeholders, as well as with our clients, developing our products and services according to their needs.

  3. To apply ESG (Environmental, Social and Corporate Governance) criteria in financial and investment analysis.

  4. To consider their social and environmental impact when designing our products and services, fostering those that create added environmental or social value.

  5. To consider sustainability risks in investment decisions as well as in investment and insurance advice.

  6. To ensure access to Bankinter's services and financial analysis to everyone on equal terms and to be vigilant against discrimination.

  7. To ensure an enlightened management of human resources, recognizing them as the bank's main asset, guaranteeing their well-being and keeping them motivated through conciliatory measures guided towards their personal and professional development, their health and their security, and to protect notions of diversity and inclusion.

  8. Sustainable and responsible management of the supply chain, promoting a positive reciprocal influence towards the improvement of social, ethical and environmental conducts.

  9. To contribute to the social development of the communities where Bankinter operates, through its primary activity as well as through initiatives oriented towards social investment, via Bankinter's Innovation Foundation (Fundación Innovación Bankinter), and through collaborations with the third sector and with corporate volunteer programmes.

  10. To operate with the highest respect for the environment, recruiting our stakeholders in our efforts to meet the global challenges posed by global warming and by the loss of biodiversity.

  11. To undertake the commitments set out in international frameworks and standards.

Policy on Human Rights
Bankinter´s human rights policy states its commitment to respecting, supporting and protecting human rights in its operations and in regard to its stakeholders within the environment in which it operates.
Inclusion and Diversity Policy
In carrying out its activities, Bankinter recognises the value of individual differences and actively promotes diversity in its talent management procedures.


Environmental policy
This firm commitment to sustainability and respect for the environment is included in the Bank's Environmental Policy, which establishes the means and procedures for the activities whose environmental performance has room for continuous improvement.
In driving the actions and initiatives aimed at improving environmental performance, the Sustainability Area is supported by the Sustainability Committee, the body responsible for guiding the Group's sustainability policy and programmes.
Sector policies

In its Control and Risk Management Framework, Bankinter has defined "Principles related to the sustainability of investment" related to particularly controversial or risky sectors financing, and where social and environmental impacts can be significant. To this end, Bankinter has developed  "Sector Financing Guidelines" to establish the measures and benchmarks that the Bank will follow in its decision making, always taking into account, and when possible, the best international practices and standards.
These guidelines reflect Bankinter's commitment to sustainable development and the Bank focus on the follow-up of good practices by its clients. Extracts from them are presented hereunder:

Bankinter is committed to follow up on these guides and their correct application, as well as to its continuous revision, taking into account the best international practices and recommendations. The ultimate goal of these policies is to boost a transition of clients towards the best social, economic and environmental practices in the countries and communities in which they operate.




Policy on the integration of sustainability risks in investment decisions and advice
The Group's sustainability strategy rests on the following core principle: its business goals must be compatible with sustainable development and environmental and social objectives, preserving environmental and cultural resources for future generations, respecting diversity, and promoting the training and recognition of social groups that need specific support.



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