Sustainable
Development
Our bank proudly upholds
the principles of sustainable development,
contributing to the creation of economic,
social, and environmental stability for Ukraine.
We believe that responsible banking is a key component of the successful future of the country and its citizens. Every initiative we undertake is aimed at long-term development, adhering to high standards of ethics, transparency, and innovation.
In order to gain access to the projects and programs (including the “Affordable Loans 5-7-9%” program, the ARISE Project for the restoration of Ukraine's agriculture) of non-banking financial institutions financed by the World Bank, KfW, and other organizations, where there are specific requirements regarding the Environmental and Social Management System (hereinafter referred to as the ESMS), the Bank has developed and implemented an Environmental and Social Policy, a general Exclusion List indicating activities that are not eligible for financing, as well as its own ESMS. When implementing projects and programs of Funds/other organizations with specific ESMS requirements, the exclusion lists approved by them are taken as the basis.
The Bank completed a Double Materiality Assessment (DMA) of environmental, social and governance (ESG) factors and, based on its outcomes, developed a Sustainability Strategy and a Sustainability Policy, both approved by the Supervisory Board of the Bank. These documents set out the Bank's long-term priorities, its approach to managing ESG risks, and its sustainable finance focus areas.
The relevant documents are available below for all interested parties
- Sustainability Strategy and Policy of JSC "BANK CREDIT DNIPRO". Public version (PDF)
- Environmental and Social Policy (including the Bank's general Exclusion List)
- Exclusion List of the National Development Institution (NDI), formerly the Business Development Fund, in cooperation with the World Bank
- Exclusion List of the Partial Credit Guarantee Fund in Agriculture
- Exclusion List under the MSME lending Program in priority sectoral areas
- Change Management Procedure. Change Notification and Review Form
- Environmental and Social (E&S) Incident Report Form
- Environmental and Social (E&S) Incident Investigation Form
Training on the Environmental and Social Management System for beneficiary enterprises (business entities receiving financing under projects with ESMS requirements)
- Recommendations for micro, small and medium-sized agricultural enterprises on developing and implementing an External Communication and Grievance Mechanism (ECGM)
- Recommendations for micro, small and medium-sized agricultural enterprises on developing an Emergency Preparedness and Response Plan for natural, technological and military-related emergencies
Educational materials for agricultural producers on environmental and social requirements (guide and video series, in Ukrainian) prepared by the Partial Credit Guarantee Fund in Agriculture are available on the Ukrainian version of this page.
Sustainable Development Goals for the future
The Bank's strategic priorities for 2026-2030 are based on the outcomes of its Double Materiality Assessment (DMA) and cover five areas: climate resilience of the loan portfolio, responsible employment practices, support for Ukraine's recovery, the integration of ESG factors into the credit process and risk management, and sustainable agriculture and the value chain. A detailed description of the priorities, methodology and assessment results is available in the Bank's Sustainability Strategy and Policy.
Complaints / Grievances
The Bank has implemented effective mechanisms for communication and for receiving, reviewing, and resolving complaints (hereinafter – the Mechanisms), which may also be used to handle grievances (including complaints) received during the implementation of projects subject to ESMS requirements. The Mechanisms introduced in the Bank are accessible, transparent, gender-inclusive, and enable both external stakeholders and all staff and contracted employees to express concerns, lodge complaints, and expect feedback.
The Mechanisms ensure the process for submission, receipt, and registration of complaints/grievances, their analysis, response, and resolution, as well as oversight of compliance with internal regulations and legal requirements. The Mechanisms enable stakeholders to address the Bank with issues, including those related to environmental and social matters, which is essential for identifying and mitigating environmental and social risks associated with the Bank's financed projects.
The Bank may also accept and consider anonymous complaints/grievances containing information/facts about identified violations that can be verified by the Bank. However, in the case of anonymous submissions, the Bank will not be able to provide feedback to the concerned party regarding the findings and any corrective measures taken. Therefore, when submitting such a complaint/grievance, it is recommended that the concerned party provide some form of identification and at least an email address or phone number to enable and facilitate any further effective action by the Bank.
Information on grievances is properly systematised, categorised, and processed with the involvement of the relevant departments of the Bank (within whose area of responsibility the issue lies). All Bank departments, within the scope of their competence, assist in providing timely responses to grievances.
The Bank ensures strict confidentiality during the collection, analysis, and processing/resolution of received concerns and complaints and provides feedback in accordance with the laws of Ukraine, including the Law of Ukraine "On Personal Data Protection", the Law of Ukraine "On Citizens' Appeals" and the Law of Ukraine "On Access to Public Information", among others. The Bank guarantees confidentiality, impartial review, and protection of employees who provide information about violations within the Bank’s activities. Information may be submitted either in a personalised or anonymous format using various reporting channels. Any retaliation against a Bank employee who reports violations in good faith is strictly prohibited.
Complaints regarding the quality of service at JSC “BANK CREDIT DNIPRO,” suggestions for new products, etc., do not fall under the scope of Compliance and can be submitted through the customer, counterparty, and stakeholder communication channel available via the form in the "CONTACTS" section.
If you are aware of facts related to:
- violation of legal requirements,
- illegal actions,
- fraud or corruption,
- illegal activities,
- violations related to ESG matters (environmental, social, or governance aspects of the Bank’s activities or projects it finances),
- disclosure or improper handling of personal data or banking secrecy (except when disclosure is required by law).
- mismanagement of the Bank’s resources,
- abuse of office,
- other aspects of unethical behaviour by Bank employees (violation of the norms and requirements of the Bank’s Code of Corporate Ethics),
- evidence of actual or potential conflicts of interest in the Bank's operations, etc.,
- or if you wish to submit an anonymous complaint/grievance
you may do so via a dedicated electronic form available on the Bank’s website in the ABOUT THE BANK / COMPLIANCE section.
