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

• openness of investment activities – the activities of the Holding/subsidiaries are based on the transparency and openness of the investment process; the Holding/subsidiaries may require clients to provide adequate disclosure of environmental, social and governance issues;

• social and environmental responsibility – financing projects whose implementation does not result in significant deterioration of the living environment, social working conditions or the standard of living of the population in the region where the project is implemented; investments are intended to improve the standard of living of the population in the region where the project is implemented, employment levels and/or social working conditions, where applicable to the project being implemented.

• 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

Report on the implementation of ESG principles in the investment activities of the Holding and its subsidiaries