The Holding and its subsidiaries adhere to ESG principles aimed at taking environmental and social factors into account in the course of investment activities:

• Openness of investment activities – the activities of the Holding and its subsidiaries are carried out on the basis of transparency and openness of the investment process; at the same time, the Holding and its subsidiaries may require appropriate disclosure of information on environmental, social, and governance issues from clients.
• Social and environmental responsibility – financing of projects whose implementation does not result in significant deterioration of the environment, social working conditions, or living standards of the population in the project implementation region; investments are intended to improve the living standards of the population in the project region, employment levels, and/or social working conditions, where applicable within the framework of the project.
• Projects that do not comply with ESG principles may be denied financing if such grounds are provided for in the internal documents of the subsidiaries.

List of green and social projects