Our environmental footprint

Goal 13 - Climate action

We have been implementing environment-friendly, green measures for years. In 2020, we achieved neutrality regarding our own CO2 emmisions.

  • GRI:
  • 301-1 Materials used by weight or volume
    Materials used by weight or volume
  • 302-1 Energy consumption within the organization
    Energy consumption within the organization
  • 305-1 Total direct greenhouse gas emissions
    Total direct greenhouse gas emissions
  • 305-2 Total indirect greenhouse gas emissions by weight
    Total indirect greenhouse gas emissions by weight
  • 305-3 Other indirect greenhouse gas emissions
    Other indirect greenhouse gas emissions
  • KE/TCFD The company's dependence on natural capital
    The company's dependence on natural capital
  • ESG: E – Environment Environment (Our approach to the environment)
    Environment (Our approach to the environment)

The achievement of neutrality was possible mainly due to the transition to green energy, but also as a result of signing an agreement to purchase carbon credits in November 2020. This is an offset mechanism that involves the purchase of green, certified assets that offset our emissions. This process was coordinated in Poland by the Department of Environmental Management in cooperation with the Norwegian company Chooose AS. It will be continued in the following years.

We reduce our direct (scope 1) and indirect (scope 2) energy emissions

We use energy from renewable sources

In 2020
100% of the energy purchased by the bank was
green energy

As of January 1, 2020, the electricity purchased by the bank comes from 100% ecological sources. The bank received an accession certificate of the ECO Premium product of Tauron Group, which confirms that the electricity sold to the bank fully participates in the system of Green Energy Sales Guarantee and comes from ecological energy sources (mainly hydroelectric power plants). The generation of energy which the bank buys is based on a zero-emission model.

Upon completion of the agreement, we received a certificate that confirms the extent to which we have actually contributed to reducing CO2 emissions

We reduce energy consumption

In 2020, in the area of energy efficiency, we continued to replace and upgrade energy-intensive fluorescent lighting with energy-efficient LED lighting in bank branches. Already 50% of our branches use energy-efficient lighting.

Energy consumption [MWh] 2019 2020
Total electricity consumption 33,144.00 29,917.00
 of which total energy consumption from non-renewable raw materials 18,018.23 11,078.86
natural gas 15,100.38 9,408.64
fuel oil 1 ,776.70 1,351.41
diesel oil 1,141.15 318. 81
Percentage of green energy purchased by the bank in 2020 15% 100%

In 2020, the bank’s total energy consumption decreased by 9.7% compared to the level of energy consumption in 2019.

We significantly reduced the consumption of energy obtained from non-renewable resources.

The consumption of energy from diesel fuel was reduced by 72%.

The significant decreases are a result of the implemented policies, but also, to some extent, of the pandemic situation and the change in the bank’s mode of operation in 2020.

We keep our car fleet low-carbon

In 2020, we continued to replace our cars with eco-friendly hybrid vehicles that have lower fuel consumption and emissions.

Number of petrol cars 85
Number of diesel cars 7
Number of hybrid/electric cars 1303

We are committed to reducing business travel to the necessary minimum. The pandemic also contributed to a large decline in business travel in 2020.

Indicator 2018 2019 2020
Number of business trips per employee 3.46 3.17 1.55

In 2020, we significantly reduced our diesel and petrol consumption, which contributed to a reduction in our direct emissions (Scope 1).

Diesel oil consumption (in l) 31,881.45
Reduction in diesel oil consumption compared to 2019 – 82,232.55
Petrol consumption (in l) 1,393,070.52
Reduction in petrol consumption compared to 2019 -2,131,590.48
Average fuel consumption per employee: 133.31



Direct (scope 1) and indirect (scope 2) emissions

Type of emissions Scope 2019 2020
CO2 emissions from electricity purchased for the bank [tons] Scope 2 25,355.16 4,394.99
CO2 emissions from heat generation [tons]. Scope 1 3,315.46 2,031.82

Indirect emissions (scope 3)

Type of emissions 2019 2020
CO2 emissions related to transport and fuel used in company vehicle engines [tons]. 8,475.04 3,281.41


Emission factor of energy produced in CO2/MWh for the bank’s energy customer portfolio from 2018 to 2020

Indicator 2018 2019 2020
Weighted average CO2/MWh emission factor for the bank’s energy sector customers [tCO2/MWh] 0.8534 0.8297 0.9037

We respect resources and limit waste production

We reduce our use of plastics

We have discontinued the purchase of water in disposable plastic bottles and spring water dispensers. Running water filtration devices have been installed in all branches. Kitchens and social rooms were equipped with water serving sets consisting of a glass carafe and glasses. Thanks to these measures, we have reduced the use of disposable plastic by 7 tons compared to 2019.

We reduce water consumption

In our headquarters and branches we have implemented many solutions that facilitate lower water consumption and rational water use.

  • We install dishwashers in every branch as part of their modernization.
  • We implement solutions limiting water flow by replacing existing sanitary fixtures.
  • In the buildings of our three Business Support Centres, thanks to the solutions applied in bathrooms, we have made the following water savings:
    • in Warsaw, where we additionally use a grey water system (purified water from showers and sinks is reused to flush toilets) – 10 million litres of water per year, reducing water consumption by 69%;
    • in Poznań, reducing water consumption allowed to save about 6.8 million litres annually. In addition, we collect rainwater on the roof of the HQ building, store it and then use it to water the green areas;
    • in Wrocław, the solutions used in our office building allow us to reduce water consumption by about 50% compared to a reference building.

In total, we saved 16.8 million litres of water in 2020.

Such an amount of water could fill nearly five Olympic-size swimming pools (one pool needs 3.5 million litres)

We reduce paper consumption and encourage customers to do the same

As part of our day-to-day operations, we care for eco-friendly improvement of processes and products. We promote among clients signing of agreements in electronic form or authorization of transactions via SMS.  As a result, over a half of transactions executed in branches are completely paperless.

Through our regular #ekoSantander campaigns, we encourage customers to use digital solutions, which will save their time and help the environment together with us.

We have made changes to our processes and procedures to allow documents to be sent to customers in electronic form (email). Some documents have been deleted or merged into one to reduce the number of sheets of paper used. Everything is done by sending electronic documents to the banking systems directly from the advisor’s desk. We are eliminating paper archiving in favour of electronic archiving.

In 2020, as a Strategic Partner of the Green Ribbon #ForThePlanet initiative, we once again ran a campaign encouraging clients to switch to electronic correspondence. During the two weeks of the campaign, nearly 7,500 customers changed their form of contact with the bank to the Electronic Contact Channel (ECC).

All of the bank’s marketing materials are printed on ECO/FS paper (100% recycled paper).

Material Weight or volume
Paper [tons] 220.85
Petrol [in m3] 1,393.07
Natural gas [in m3] 883,440
Fuel oil [tons] 112.84


Waste type Weight Percentage recycled
We first send the following materials for secure shredding and then for recycling
Paper [kg] 844,249 100%
Other waste – electronic data carriers [kg] 14,780 100%

We educate customers on how to save resources

On the bank’s website addressed to retail customers, we encourage everyone to change their habits and take action to consume less water

Our plans to reduce our environmental footprint

  • In 2021, the bank will undergo a mandatory energy efficiency audit which was last performed in 2017.
  • We will continue to purchase electricity from renewable energy sources in the following years.