Environmental, Social, Governance

From green mortgages to green personal loans, our commitment to responsible and impactful financing is embedded in our product offering.

Our products are designed to help our clients with their projects, both by enhancing their growth and by enabling them to adjust to the situation of sustainable development.

Energy efficiency projects, smart agriculture, efficient transport and water efficiency have been the focus of our attention.

We aim to provide our clients with a comprehensive assessment of their financial management needs, which helps them make smart financial choices.

Through Întreb BT, a friendly, easy-to-use platform, people can find answers to the most searched-for banking topics. Moreso, we have integrated artificial intelligence into our education platform to simplify interactions and make it more accessible to users, making us an early adopter of AI in the banking sector.

By the end of 2023, we introduced FIT – Finance for All, the national financial education program that aims to create a strong base of financial literacy for Generations Alpha, Z and Y. This program includes also a series of videos - De Toți Banii - that explain the most common money and banking queries to improve financial literacy.

We are dedicated to creating a workplace that celebrates diversity and inclusion. We strive to cultivate an atmosphere of respect and appreciation, where individuals from all backgrounds, identities, and experiences are empowered to share their unique perspectives and talents. Our commitment to these values is unwavering, and we are proud to be a company that champions inclusivity and equity.

Our initiatives are thoughtfully designed to align with our specific organizational culture, goals and challenges, always keeping in mind the rights of every individual, in order to increase the diversity of our workforce and thus improve performance.

We take information security very seriously. All our internal information security policies are developed in accordance with the ISO 27001 standard. To secure online and POS payments, we comply with the Strong Customer Authentication standards, part of the European Directive on Payment Services (PSD2).

Access to banking applications - BT Pay, NEO, BT24, BT Go or BT Visual Help - is carried out in a secure manner, with high safety requirements.

Cards added to the BT Pay app and other wallets (Apple Pay, Google Pay, Fitbit Pay, Garmin Pay) are tokenised. Our issued cards also comply with internationally regulated security standards of Visa/Mastercard payment schemes.

Additionally, we have also launched in 2021 a security hub that is continuously updated with essential information to help our customers and other hub vitors in mitigating the risk of potential fraud.

We are committed to safeguarding the environment and helping to create a more sustainable, inclusive society, where banking services are more accesible.

We therefore set goals that reinforce our commitment to a more financially inclusive future, such as the development of innovative payment applications and services and the provision of dedicated payment products such as BT Pay, smartwatches (Fitbit Pay, Garmin Pay), payment solutions for entrepreneurs and small business owners such as traditional POS, BT POS App and BT eCommerce.

We believe corporate citizenship is about accountability and transparency. More specifically, it is our way of thanking the communities we belong to.

Supporting social projects means both participating in national projects and providing one-off support for local needs through our local network. This is how we stay connected to the community.

We strive to achieve a common goal among all the stakeholders in our daily activities, and that is why we are open and honest about our strategic vision, goals and risk mitigation. We take responsibility for creating a sustainable business and a positive impact on society.

This mindset has helped us gain more than two decades of experience on the Bucharest Stock Exchange.

Moreover, by following this principle as a key rule, we always communicate effectively with all stakeholders, according to our financial calendar, share clear financial results and hold earnings calls, meet with investors at various international conferences, or regularly publish informative reports on financial results.

We have shown our dedication to sustainable development in a clear way over the last few years. We endorse the actions taken by the European Union to move towards a sustainable economy and we recognize our role, as a member of the financial sector in Romania, to facilitate financing and attract capital for sustainable projects that contribute positively to this transition and create long-term value in our country.

Together with our global partners, including the European Bank for Reconstruction and Development (EBRD), the European Investment Bank (EIB), the European Investment Fund (EIF), and the International Finance Corporation (IFC), we are working closely to develop products and services to support the transition of Romania's economy. Following the Principles for Responsible Banking and as a member of the United Nations Environment Programme Finance Initiative (UNEP-FI), we are taking into account the environmental and social impact of our operations more fully.

BT means people, and above all, one team. We work together, supporting and encouraging each other because we know that what we do every day has a direct impact on our customers.

To ensure smooth and optimal business operations, we have consolidated our core strategy and developed new programs and activities for our employees with high attendance figures recorded in personal development.

We are highly receptive to technological innovation, ensuring that we streamline the process of communicating information in real time, with a focus on continuous adaptation in times of rapid change.

We see extraordinary opportunities for customers in terms of mobility through remote banking, access to new products and services, and rapidly growing confidence in online payments.

Our figures show that there has been a massive surge in the uptake of online banking, with Salt Bank becoming the 1st digital Neobank built in Romania.

We are early adopters of artificial intelligence in banking by integrating the AI Search function on the Întreb BT platform, respectively by integrating Microsoft 365 Copilot and GitHub Copilot into employees' activity.

By adopting the United Nations Environmental Programme - Finance Initiative (UNEP-FI) Principles for Responsible Banking (PRB) in February 2022, we have ensured that our business strategy and practices are aligned with the Sustainable Development Goals and the provisions of the Paris Agreement.

We have taken extensive steps to analyze the impact of our portfolio on the economy, environment and society, to identify negative or positive contributions to sustainable development, and to identify activities undertaken by the bank that can have a significant impact. For details, please refer to the Self-Assessment Report on the Implementation of the Principles for Responsible Banking, 2022.

BT's financial ecosystem is complemented by BT Mic & Stup, created to support and help the Romanian entrepreneurial community.

BT Mic provides funding to the smallest companies in the market, financing start-up entrepreneurs with an annual turnover of up to RON 1 million. The loan can be used for different purposes, such as maintaining and expanding the daily operations, acquiring goods, settling debts with suppliers, investing in existing or new jobs, or purchasing machines and equipment.

Stup is a hybrid space that offers many of the products and services an entrepreneur requires. It hosts events for entrepreneurs and aspiring entrepreneurs, run by us and our partners. Stup welcomes all entrepreneurs, no matter which bank they use, with no membership fee, free guidance, and many discounts on partner products.