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.
Environmental Sustainability
We actively work to reduce the environmental impact of our operations. Our efforts focus on implementing energy-efficient solutions in banking processes, reducing resource consumption, utilizing renewable energy sources, and supporting environmental projects. We also collaborate with partners and clients to promote environmental innovations and responsibility.
Social Responsibility
Our bank is committed to contributing to community development and ensuring equal opportunities for all. We support educational initiatives, programs aimed at improving working conditions and the health of our employees, as well as social projects that enhance the quality of life for Ukrainians. Equal opportunities, diversity, and inclusion are key principles of our operations.
Corporate Governance
We adhere to high standards of corporate governance, ensuring transparency and accountability in all aspects of our activities. Our governance processes are based on ethical principles, anti-corruption initiatives, and compliance with international standards. Implementing best practices in corporate governance fosters trust from our clients, investors, and partners.
Partnership and Collaboration
We believe that sustainable development is achievable through collaboration with other market players, international organizations, and government institutions. Our bank actively participates in international programs to implement sustainability standards and works with partners to achieve the UN’s global goals.
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 relevant documents are available below for all interested parties.
- Environmental and Social Policy (including the Bank's general Exclusion List)
- Exclusion List of the Business Development Fund (in cooperation with the World Bank)
- Exclusion List of the Partial Credit Guarantee Fund in Agriculture
- Change Notification and Review Form
- Environmental and Social (E&S) Incident Notification Form Template
- Environmental and Social (E&S) Incident Investigation Form Template
Sustainable Development Goals for the Future
Our bank sets ambitious goals for the next decade: introducing new environmental technologies, developing social programs to support Ukrainians, increasing governance transparency, and engaging partners to work together toward a sustainable future. We aim to make a significant contribution to the UN's Sustainable Development Goals by 2030.
Complaints / Appeals
The Bank has implemented effective mechanisms for communication, as well as for the review and resolution of complaints (hereinafter – Mechanisms), which can also be used for handling appeals (including complaints) received during the implementation of projects with requirements for the Environmental and Social Management System (ESMS). The Mechanisms implemented in the Bank are accessible, transparent, gender-inclusive, and allow both external stakeholders and all staff and contract workers to express their concerns, complaints, and expect feedback.
The Mechanisms ensure the process of submitting complaints/appeals, the process of receiving and registering complaints/appeals, their analysis, response, and resolution of received complaints and concerns from stakeholders. They also ensure compliance with internal regulatory documents and legislative requirements. The Mechanisms allow addressing questions to the Bank, including those related to environmental and social issues, which is crucial for assessing and mitigating environmental and social risks associated with the activities of projects financed by the Bank.
The Bank can also accept and review anonymous complaints/appeals that contain information/facts about identified violations that the Bank is able to verify. However, in the case of receiving anonymous complaints/appeals, the Bank will not be able to provide feedback to the stakeholder on the verification results and the actions taken. Therefore, when submitting such a complaint/appeal, it is recommended that the stakeholder identify themselves in any way and provide at least an email address or mobile phone number to enable and facilitate any further effective actions by the Bank.
Information on appeals is properly systematized, categorized, and processed with the involvement of the relevant Bank departments (responsible for the issue). All Bank departments, within their competence, contribute to a prompt response to appeals.
The Bank ensures proper confidentiality during the collection, analysis, and processing/resolution of received concerns, complaints, and provides feedback in accordance with the requirements of Ukrainian legislation, including compliance with the requirements of 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, unbiased consideration, and protection of Bank employees who provide information on violations in the Bank's activities. Information may be submitted both in a personalized and anonymous format using various reporting channels. Any punishment of a Bank employee who has reported violations in good faith is strictly prohibited.
Complaints regarding the quality of service at JSC "BANK CREDIT DNIPRO," proposals for new products, etc., are not subject to Compliance review, and such information can be provided through the communication channel with clients, contractors, and stakeholders via the form in the "CONTACTS" section.
If you are aware of the following facts:
- violations of legal requirements,
- unlawful actions,
- fraud or corruption,
- illegal activities,
- violations related to ESG issues (regarding the environmental, social, and governance aspects of the Bank’s activities or projects it has financed),
- disclosure/improper actions regarding the preservation of information containing personal data, banking secrets (except when such disclosure is required by Ukrainian law),
- improper management of Bank resources,
- abuse of official position,
- other aspects of unethical behavior of Bank employees (violation of the norms and requirements of the Bank's Code of Corporate Ethics),
- facts of potential or real conflict of interest in the Bank's activities, etc.,
- or if you wish to submit an anonymous complaint/appeal,
– you can do so via a separate form available electronically on the Bank's web portal on the page "ABOUT THE BANK / COMPLIANCE ("Report Unacceptable Behavior / Violations in Operations").