GRI CONTENT INDEX


GRI Standard	Disclosure	Reported In	Omission/Comment


GRI 101 : Foundation 2017 (does not include any disclosures)
General Disclosures
GRI 102 : General Disclosures 2017
	102-1 Name of Organization	About This Report
	102-2 Activities, brands, products and services	Financial Capital
	102-3 Location of headquarters	Corporate Information
	102-4 Location of operations	About The Bank
	102-5 Ownership and legal form	Corporate Information
	102-6 Markets served	Financial Capital, Manufactured Capital
	102-7 Scale of the organization	About The Bank, Financial Capital
	102-8 Information on employees and other workers	Human Capital
	102-9 Supply chain	Performance Highlights 2017 , strategy and operating context, Intellectual Capital
	102-10 Significant changes to the organization and supply chain	About This Report
	102-11 Precautionary principle	Natural Capital
	102-12 External initiatives	About This Report
	102-13 Membership of associations	102
	102-14 Statement from senior decision maker	12
	102-16 Values, principles, norms and standards of behaviour	81, 96
	102-18 Governance Structure	35, 210
	102-40 List of stakeholder groups	strategy and operating context
	102-41 Collective bargaining agreements	86
	102-42 Identifying and selecting stakeholders	strategy and operating context
	102-43 Approach to stakeholder engagement	strategy and operating context
	102-44 Key topics and concerns raised	strategy and operating context
	102-45 Entities included in the consolidated financial statements	302
	102-46 Defining report content and topic boundary	33, 426
	102-47 Material topics	33
	102-48 Restatement of information	About This Report
	102-49 Changes in reporting	33
	102-50 Reporting period	About This Report
	102-51 Date of most recent report	About This Report
	102-52 Reporting cycle	About This Report
	102-53 Contact point for questions regarding Report	3
	102-54 Claims of reporting in accordance with GRI Standards	About This Report
	102-55 GRI context index	423-426
	102-56 External assurance	About This Report
Material topics
Economic Performance
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	51
	103-2 The Management Approach and its components	51
	103-3 Evaluation of the Management Approach	51
GRI 201: Economic Performance 2017
	201-1 Direct economic value generated and distributed	51
	201-2 Financial implications and other risks and opportunities due climate change	Natural Capital
	201-3 Defined benefit plan obligations and other retirement plans	315
Market Presence
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	105
	103-2 The Management Approach and its components	105
	103-3 Evaluation of the Management Approach	105
GRI 202 : Market Presence 2017
	202-2 Proportion of senior management hired from local community	105
Materials
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	108
	103-2 The Management Approach and its components	108
	103-3 Evaluation of the Management Approach	108
GRI 301 : Materials 2017
	301-1 Materials used by weight or volume	108
Energy
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	108
	103-2 The Management Approach and its components	108
	103-3 Evaluation of the Management Approach	108
GRI 302 : Energy 2017
	302-1 Energy consumption within the organization	108
Emissions
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	108
	103-2 The Management Approach and its components	108
	103-3 Evaluation of the Management Approach	108
GRI 305 Emissions: 2017
	305-1 Direct greenhouse gas (GHG) emissions	108
	305-2 Energy indirect greenhouse gas (GHG) emissions (Scope 2)	108
	305-3 Other indirect greenhouse gas (GHG) emissions (Scope 3)	108
Effluents and Waste
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	108
	103-2 The Management Approach and its components	108
	103-3 Evaluation of the Management Approach	108
GRI 306 : Effluents and Waste
	306-2 Waste by type and disposal method	108
Employment
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	Human Capital
	103-2 The Management Approach and its components	Human Capital
	103-3 Evaluation of the Management Approach	Human Capital
GRI 401 : Employment 2017
	401-1 Employee hires and turnover	Human Capital
	401-2 Benefits provided to full time employees that are not provided to temporary or part-time employees	Human Capital
	401-3 Parental leave	Human Capital
Labour Management Relations
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	86
	103-2 The Management Approach and its components	86
	103-3 Evaluation of the Management Approach	86
GRI 402 : Labour Management Relations 2017
	402-1 Minimum notice periods regarding operational changes	86
Training and education
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	Human Capital
	103-2 The Management Approach and its components	Human Capital
	103-3 Evaluation of the Management Approach	Human Capital
GRI 404 : Training and education
	404-1 Average hours of training per year per employee	85
	404-2 Programs for upgrading skills and transition assistance programmes	85
	404-3 Percentage of employees receiving regular performance and career development reviews	Human Capital
Diversity and equal opportunity
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	Human Capital
	103-2 The Management Approach and its components	Human Capital
	103-3 Evaluation of the Management Approach	Human Capital
GRI 405 : Diversity and equal opportunity 2017
	405-2 Ratio of basic salary and remuneration of women to men	Human Capital
Local Communities
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	104
	103-2 The Management Approach and its components	104
	103-3 Evaluation of the Management Approach	104
GRI 413 : Local communities 2017
	413-1 Operations with local community engagement, impact assessments and development programmes	104,105
Marketing and labelling
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	102
	103-2 The Management Approach and its components	102
	103-3 Evaluation of the Management Approach	102
GRI 417 : Marketing and labelling
	417-1 Requirements for product and service labelling	102
	417-2 Incidents of non-compliance concerning product and service information and labelling	102
	417-3 Incidents of non-compliance concerning marketing communications	102
Customer Privacy
GRI 103 : Management Approach
	103-1 Explanation of material topics and its boundaries	102
	103-2 The Management Approach and its components	102
	103-3 Evaluation of the Management Approach	102
GRI 418 : Customer Privacy 2017
	418-1 Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data	102
G4-Financial services sector disclosures
FS-6	Percentage of the portfolio for business lines by specific region, size and by sector	149
F3-13	Access points in low-populated or economically disadvantaged areas by type	91
FS-14	Initiatives to improve access to financial services for disadvantaged people	102, 63-65

Topic boundaries for material topics


GRI Topic	Topic boundary

Employment	While the impacts of this topic are essentially internal to the organization, the Bank’s ability to effectively compensate, develop and retail its workforce would have implications for broader socio-economic progress
Diversity and opportunity	The impacts are primarily internal as it leads to better retention, diversity of views and depth of decision making
Labour management relations	Topic boundary is internal to the organization
Training and education	Topic boundary is internal to the organization
Marketing and labelling	The impacts of this topic extend beyond the internal implications to external considerations such as customer product responsibility and regulatory compliance
Customer privacy	Topic boundary is limited to the Bank’s customers
Economic performance	Both internal and external, as strong performance on the Bank’s part has implications for external stakeholder value creation including employment generation, tax contribution and socio-economic progress
Market presence	Internal and external boundary as accessibility to the Bank’s services and a wide market presence could have positive community impacts
Energy	Topic boundary is primarily internal
Emissions	Emissions arise from our internal operations as well as outside the Bank’s boundary; such as during employee commute and foreign business travel
Local Communities	Impacts will be felt in the communities the Bank operates in.