| GRI Standard/Disclosure | Report commentary title | |
| GRI 102: General Disclosures 2016 | ||
| Organisational profile | ||
| 102-1 | Name of the organisation | Corporate information |
| 102-2 | Activities, brands, products and services | Note 1.3 – Principle business activities (Table 26) |
| 102-3 | Location of headquarters | Corporate information |
| 102-4 | Location of operations | About the Bank |
| 102-5 | Ownership and legal form | About the Bank/Corporate information |
| 102-6 | Markets served | About the Bank |
| 102-7 | Scale of the organisation | A snapshot of the Bank’s profile |
| 102-8 | Information on employees and other workers | Investing in our employees |
| 102-9 | Supply chain | Partnerships for the goals |
| 102-10 | Significant changes to the organisation and its supply chain | Report boundary |
| 102-11 | Precautionary principle or approach | Precautionary principle |
| 102-12 | External initiatives | Partnerships for the goals |
| 102-13 | Membership of associations | Partnerships for the goals |
| Strategy | ||
| 102-14 | Statement from senior decision-maker | Chairman's Statement |
| Ethics and integrity | ||
| 102-16 | Values, principles, standards, and norms of behaviour | |
| Governance | ||
| 102-18 | Governance structure | Governance structure (Figure 15) |
| 102-19 | Delegating authority | Governance structure |
| 102-22 | Composition of the highest governance body and its committees | Composition of the Board and attendance (Table 12) |
| 102-23 | Chair of the highest governance body | Segregating roles of Chairman and CEO |
| 102-24 | Nominating and selecting the highest governance body | Appointment of Directors |
| 102-25 | Conflicts of interest | Conflicts of interest |
| 102-35 | Remuneration policies | Remuneration and benefits policy |
| 102-36 | Process for determining remuneration | Remuneration and benefits policy |
| Stakeholder engagement | ||
| 102-40 | List of stakeholder groups | Connecting with stakeholders |
| 102-41 | Collective bargaining agreements | Enhancing employee experience |
| 102-42 | Identifying and selecting stakeholders | Connecting with stakeholders |
| 102-43 | Approach to stakeholder engagement | Connecting with stakeholders |
| 102-44 | Key topics and concerns raised | How we connect with our stakeholders (Figure 05) |
| Reporting practice | ||
| 102-45 | Entities included in the consolidated financial statements | Report boundary |
| 102-46 | Defining report content and topic boundaries | Report boundary/Material matters |
| 102-47 | List of material topics | Material matters (Table 05) |
| 102-48 | Restatements of information | Report boundary |
| 102-49 | Changes in reporting | Report boundary |
| 102-50 | Reporting period | Introducing our 51st Annual Report |
| 102-51 | Date of most recent report | Introducing our 51st Annual Report |
| 102-52 | Reporting cycle | Introducing our 51st Annual Report |
| 102-53 | Contact point for questions regarding the report | Introducing our 51st Annual Report |
| 102-54 | Claims of reporting in accordance with the GRI Standards | Basis of preparation |
| 102-55 | GRI content index | |
| 102-56 | External assurance | |
| GRI 103: Management Approach 2016 | ||
| 103-1 | Explanation of the material topic and its boundary | Material matters/Business model |
| 103-2 | The management approach and its components | Material matters/Business model |
| 103-3 | Evaluation of the management approach | Material matters/Business model |
| GRI 200: Economic | ||
| GRI 201: Economic performance 2016 | Prudent growth | |
| 201-1 | Direct economic value generated and distributed | Our sustainability footprint |
| GRI 203: Indirect economic impact 2016 | Strengthening ties with micro customers | |
| 203-1 | Infrastructure investments and services supported | Strengthening ties with micro customers |
| GRI 300: Environmental 2016 | ||
| GRI 302: Energy 2016 | Safeguarding the environment | |
| 302-1 | Energy consumption within the organisation | Our sustainability footprint |
| 302-4 | Reduction of energy consumption | Our sustainability footprint |
| GRI 305: Emissions | Safeguarding the environment | |
| 305-1 | Direct (Scope 1) GHG emissions | Our sustainability footprint |
| 305-2 | Energy indirect (Scope 2) GHG emissions | Our sustainability footprint |
| GRI 400: Social | ||
| GRI 401: Employment 2016 | Employee recruitment and retention | |
| 401-1 | New employee hires and employee turnover | Our sustainability footprint |
| 401-3 | Parental leave | Our sustainability footprint |
| GRI 404: Training and education 2016 | Employee training, development, and advancement | |
| 404-1 | Average hours of training per year per employee | Our sustainability footprint |
| 404-3 |
Percentage of employees receiving regular performance and career development reviews |
Our sustainability footprint |
| GRI 405: Diversity and equal opportunity 2016 | Enhancing employee experience | |
| 405-1 | Diversity of governance bodies and employees | Our sustainability footprint |
| 405-2 | Ratio of basic salary and remuneration of women to men | Our sustainability footprint |
| GRI 418: Customer privacy 2016 | Service standards | |
| 418-1 | Substantiated complaints concerning breaches of customer privacy and losses of customer data | Our sustainability footprint |
| Non GRI disclosures | ||
| Instability and lack of policy consistency | Context for performance/Outlook | |
| Economic slowdown | Context for performance/Outlook | |
| Directed lending | Context for performance/Outlook | |
| Higher regulatory capital | Context for performance/Outlook | |
|
Envisaged upturn in private sector credit and improvement in asset quality |
Context for our performance | |
| Changing customer expectations | Customer centricity | |