We are committed to environmental and climate protection, with the goal of keeping environmental impacts as low as possible. We therefore work to continuously improve our sustainability standards and the main environmental parameters in the most relevant areas. The environmental management system in Austria is based on international standards (e.g. ISO 14001). This is not a matter of merely fulfilling legal requirements or standards, but rather one of optimizing the use of energy and resources, and as such, is a task of sustainable resource utilization. The network banks are conscious of their responsibility for the environment and are working to continuously improve this.
The graphic below shows the environmentally relevant divisions of the RZB Group 2015 and their impact on CO2e emissions.
The graphic shows that the biggest key performance indicators of CO2e emissions of the RZB Group 2015 (total of 60,601 tonnes (t) or minus eight per cent compared to the previous year) concern energy con-sumption and business travel. Particularly relevant is the division of the emissions into three "scopes" (which define the classification of the CO2 emissions according to the Greenhouse Gas Protocol):
- Scope 1 comprises all greenhouse gas emissions produced directly in the company; e.g. from the combustion of stationary sources (such as power plants, boilers), from the combustion of mobile sources (such as from the company’s own fleet), from the production processes and from transient emissions.
- Scope 2 comprises indirect emissions which arise when supplying the company with energy, when an energy supplier makes power or heat available for this company.
- Scope 3 comprises all other emissions caused within the limits of the system, e.g. mobility by means of plane, train and external fleet as well as office needs (such as paper).
Most emissions of RZB Group (48 per cent) can be found in Scope 2 (mainly caused by power con-sumption), followed by Scope 3 with 41 per cent (power consumption is also in first place here, followed by air travel). In third place comes Scope 1 with eleven per cent, mainly caused by business travel in a personal car.
The central tool for the implementation and further development of the environmental targets is our Environmental Management System in Austria, which is operated in accordance with the requirements of ISO 14001 (certified since 1998). In addition, our declaration on greenhouse gases has been validated for the entire Raiffeisen Bank International along with the subsidiaries and the networkbanks in CEE since 2013, in accordance with ISO 14064-3.
Measures for improving our environmental score card for the various areas are defined on the basis of the environmental audit and usage data:
- Information Technology
- Waste and Cleaning
The Environment Committee, the Group Sustainability Management Department and Facility Management as well as the sustainability officers of the network banks are responsible for implementing and evaluating the achievement of targets. Base year for targets is 2011.
Overview of environment-related KPIs
Average CO2e emissions (CO2e is the conversion of the hazard potential of the relevant, climate-influencing gases into an equivalent amount of CO2) amounted 2015 to 60,601 tonnes (t), a reduction of eight per cent compared to the previous year and 17 per cent compared to 2011 (data of first reporting). In 2015, 6,767 t of CO2e were allocated to Scope 1 (eleven per cent), 29,226 t (48 per cent) to Scope 2 and 24,608 tonnes (41 per cent) to Scope 3 in the RZB Group. The Scope 1-3 emissions reduced by eight per cent compared to the previous year.
- Energy consumption accounts for about 70 per cent of emissions (one per cent increase com-pared to the previous year) with 42,623 t CO2e and is the biggest source of emissions in the RZB Group. Most of these fall under Scope 2, but partly also under Scopes 1 and 3. The green power share of the RZB Group is about 18 per cent.
- Business travel generates about 22 per cent of emissions (five per cent reduction compared to the previous year) with 13,428 t CO2e. Travel is therefore the second-biggest source of emis-sions in the RZB Group. This has an effect on both Scope 1 and Scope 3.
- Paper consumption accounts for about four per cent of emissions (23 per cent increase compared to the previous year) with 2,291 t CO2e. Paper consumption is therefore the third-biggest source of emissions in the RZB Group, but still negligibly low. The impacts are felt solely in Scope 3. The recycled share of materials purchasing is 73 per cent.
- Waste, with 1,628 t CO2e, is also negligible and accounts for nearly three per cent of emissions (one per cent reduction compared to the previous year). The impacts are felt solely in Scope 3. The other emissions are caused by the parcel service and transport of goods, which according to current information amount to nearly one per cent. The emissions have an impact on both Scope 1 and Scope 3.
Central Europe has the biggest share in total emissions of 38 per cent or 23,205 tonnes CO2e (22 per cent reduction compared to the previous year). The smallest share was accounted for by the central institute and the affiliated companies with one per cent or 873 tonnes CO2e (17 per cent reduction com-pared to the previous year).
The CO2e emissions of the RZB Group per employee and year are about 2,602 tonnes (eleven per cent reduction compared to the previous year). Central Europe has the biggest share per employee of about 3,191 kg CO2e/employee and year (13 per cent reduction compared to the previous year). The central institute and the specialized subsidiaries reported the smallest share of 783 kg CO2e /employee (26 per cent reduction compared to the previous year).
At about 70 per cent, indirect energy consumption is the largest source of CO2 emissions at the RZB Group 2105. Electricity consumption accounts for 91 per cent of this, while heating accounts for nearly nine per cent of the CO2 emissions related to energy. Direct energy consumption (emergency power genera-tor) accounts for a negligible share of total consumption. The green power share of the RZB Group is about 18 per cent. One hundred per cent green power is procured in Austria.
The entire indirect energy consumption of the RZB Group was nearly 107 GWh in 2015 (minus four per cent compared to the previous year). Of this, about 78 GWh was needed for electricity and nearly 30 GWh for heating. Southeastern Europe has the largest share of electricity consumption of approx. 31 per cent (in part because electricity is used for heating purposes in some parts of Southeastern Europe); in terms of heat consumption, Eastern Europe is the biggest consumer, also with round 31 per cent. The smallest share of total consumption was accounted for by the central institute and the specialized sub-sidiaries with six per cent of power consumption and eight per cent of heat consumption.
In terms of employee and year, the average energy consumption for electricity and heat is a total of 4,606 kWh. RBI AG has the highest energy consumption of 8,842 kWh per employee (the reason being that the majority of employees of RBI AG are still located at the non energy-efficient site), while Cen-tral Europe has the lowest energy consumption per employee at 3,567 kWh.
Business travel is 2015 the second biggest cause of CO2 emissions in the RZB Group. For this reason, im-provement measures in this area are constantly being evaluated. For example, the travel policy for busi-ness trips was revised in accordance with environmental aspects in 2013, and a mobility survey was conducted at the end of 2014 (see RZB Group Sustainability Report 2014). In order to reduce business travel, the video conference system was expanded in Austria and at almost all network banks.
Business travel of the RZB Group amounted to nearly 61 million pkm (passenger kilometers or "pkm" are calculated on the number of persons carried and the distance covered). Of this, Central Europe has the biggest share of 34 per cent or 21 million pkm. The smallest share was accounted for by the central institute and the specialized subsidiaries with six per cent or about three million pkm.
Business travel in terms of employee and year averaged 2,603 pkm, with RBI AG recording the strong-est activity of 6,920 pkm/employee and year. This can be explained by the fact that many trips to inter-national stakeholder representations etc. are conducted from head office. Eastern Europe has the fewest business trips per employee of 1,294 pkm.
If the means of transport are compared, then business travel in a private car makes up the biggest share with 53 per cent, followed by flights on 333 per cent. Trips by train make up the smallest share with about three per cent.
The fleet of the RZB Group is particularly friendly to the environment with an above average 136 g CO2 emissions, with Eastern Europe recording a value of 163 g/km and Central Europe 121 g/km.
In the area of material consumption, paper is the most important resource for financial service providers, but has a very low effect on CO2e emissions. Efforts have been made for years to reduce the paper consumption. Double-sided printing is already a default setting both in Austria and at most of the network banks.
In total, 2015 nearly 997 tonnes of paper or eight per cent more were consumed in the RZB Group than in the previous year, with Eastern Europe accounting for most of this consumption with 36 per cent or 360 tonnes/year. The smallest share of total consumption was accounted for by the central institute and the specialized subsidiaries with four per cent or 35 tonnes/year. However, paper consumption has more than doubled since 2014 following the addition of the specialized subsidiaries to the scope of reporting.
In terms of paper consumption per employee and year, which averages 8,580 sheets, Eastern Europe is the biggest consumer with 11,275 sheets per employee. RBI AG has the lowest consumption of 6,153 sheets per employee. The share of recycled paper used in the RZB Group is 73 per cent. RBI AG as well as the central institute and the specialized subsidiaries have the highest share of 100 per cent recycled paper.
The quantity of waste produced by the RZB Group2015 amounts to about 2,882 tonnes per year or 124 kg/employee and consists of 94 per cent non-hazardous waste (data for Raiffeisen Bank Kosovo J.S.C. are not available). Pleasingly, the area of waste has a share of just three per cent of the total emissions of the RZB Group.
About 35 per cent of the waste is incinerated, with 28 per cent going to landfill and 31 per cent being recycled. Electrical devices have a share of about six per cent. Hazardous waste, like electrical devices, is disposed of correctly. Central Europe has the biggest share in total waste produced with 36 per cent or 1,049 tonnes. The smallest amount of waste is produced by the central institute and the specialized subsidiaries with seven per cent or slightly over 193 tonnes total waste/year. RBI AG produces the most waste with 188 kg/employee (reasons for this are the gradual replacement of old office furniture and remodeling work). Southeastern Europe reported the lowest waste per employee of 71 kg/employee.
Transport of goods
2015 the parcel service and transport of goods has an effect on Scope 1 and 3 emissions and has a share of about one per cent of all emissions of the RZB Group.
According to the latest data, the total parcel service and transport of goods amounts to about 696,611 tkm (tonne kilometers or tkm are calculated from the transported mass in tonnes and the distance cov-ered in kilometers). Southeastern Europe has the biggest share of this of 75 per cent or around 520,000 tkm (and reports this value inclusive of all bank branches). The smallest share is not indicated separately as values are not yet available for all network banks.
The water consumption of the RZB Group, which consists entirely of tap water, is comparatively low and has little if any effect on the CO2 footprint (less than one per cent). Total water consumption for 2015 was 263,599 m3 or 11 m3/employee and year. Eastern Europe reported the biggest share of total water consumption with over 84,179 m3 or 32 per cent, while the central institute and the specialized subsidiaries reported the smallest share with 14,238 m3 or five per cent. RBI AG consumes the most water per employee with 20 m3/year (due to the company kitchen and landscaped areas), while Central Europe has the smallest share with eight m3/year.