Energy consumption and production of waste
||The Bank’s Group
||of which: Bank
||of which: other entities
|Energy use (boiler houses, aggregates, vehicles)
|gas (′000 m3)
|heating oil (m3)
|fuels (′000 l)
|Waste produced, other than municipal waste (t)
* the increase in the use of gas in 2018 in other entities of the Bank’s Group results from including the real estate recovered by PKO Leasing SA in the calculation
The direct impact on the environment depends on the manner of consumption of limited natural resources. All entities belonging to the Bank’s Group monitor the consumption of such resources and are involved in activities aimed at reducing their consumption. A number of Group entities performed the energy efficiency audit (2017 – the Bank, 2018 – PKO Leasing SA, PKO Towarzystwo Ubezpieczeń SA, PKO Życie Towarzystwo Ubezpieczeń SA), based on which areas with the highest energy saving potential were identified and action plans were drawn up which are currently successively implemented. As a result of these activities, the consumption of all energy carriers (except for gas) went downin 2018 in the Bank’s Group.
The use of electric energy went slightly up at the Bank. The data on energy use in the Group entities was collected for the first time. The estimate is incomplete and contains only data from 10 subsidiaries because the remaining companies make the respective settlements based on the service charge.
Apart from electricity consumption arising from the work of the offices / branches, energy consumption in the Bank’s Group is related to the use of boiler rooms and electricity generators (consumption mainly by the Bank) and travelling with its own car fleet.
Apart from the streamlining activities, the decline in the consumption of heating oil resulted from reducing the number of boiler rooms by 11 (10 in the Bank and 1 in other entities) and from favourable weather conditions (shorter heating season). There are still two boiler rooms using coal but they also reduced the use of this raw material. The higher use of fuels in boiler rooms resulted from including vindicated real estate of which PKO Leasing SA is the owner as part of lease agreements and the management of which was taken over due to terminating contracts with the Customers (data for 2018 includes for the first time the use of fuel in the boiler rooms).
The car fleet and aggregates affect the consumption of fuels. In spite of the increased number of cars in the Bank and in the Bank’s Group (accompanied by a drop in the remaining entities), the fuel consumption was lower. At the same time, the structure of fuel consumption changed towards higher consumption of petrol and lower use of diesel oil (by more than 30% in the Bank) which is more harmful to the natural environment due to higher concentration of harmful gases. The consumption of fuels went down in spite of the increase in the number of aggregates by 11.
For the purpose of this report, an effort has been made to estimate the use of water by all of the Bank’s Group entities. Selected entities from the groups (Centrum Haffnera sp. z o.o., Merkury fiz an, PKO Leasing SA and KREDOBANK SA) used 56 200 m3of water, and the remaining entities perform settlements based on the service charge. As part of this review it was impossible to obtain similar data for the Bank. The Bank does not have a groundwater intake.
The impact on the natural environment depends on management of waste. In 2018 the amount of waste other than municipal waste was reduced. The Bank entrusts the task of recycling or neutralizing non-municipal waste to specialized companies. In terms of municipal waste, selective collection was conducted in five of the Bank’s Group companies. The Bank conducts selective collection of waste in some branches.
The Centrum Haffnera sp. z o.o. Group (i.e. the indirect subsidiaries of the Bank) successively conduct environmental protection activities comprising segregation of waste (including fat) and introducing bio products to the pipelines for the purpose of initially decomposing the fat.
In 2018, there was one administrative procedure pending against the Bank initiated by the Zachodniopomorski Voivodeship Environmental Protection Inspectorate concerning serving an administrative penalty in connection with the delay in submitting the collective information on the types and amounts of waste and their management, and installations used for recovery and neutralization of such waste for 2014 to the Marshal of the Zachodniopomorskie Voivodeship. The proceedings were finalized in December 2018 and an administrative fine of PLN 500 was charged. No administrative proceedings related to a breach of the environmental regulations were conducted with respect to any of the subsidiaries that would result in any financial penalties.
The Bank’s Group entities may indirectly affect the environment through the effects of their cooperation with other firms in the supply chain. Agreements with contractors of the Bank’s Group entities (including the Bank) do not contain clauses explicitly referring to respect for the natural environment. However, according to the enquiry of every entity of the Bank’s Group, by joining the purchasing procedure, the suppliers state, among other things, that they “… care for the natural environment and its resources, including complying with the law in this respect and have clearly defined and written objectives to minimize the negative impact on the environment and monitoring progress in their pursuit.” None of the Bank’s Group entities conducted audits at their business partners’ premises related to compliance with environmental protection regulations.