Environmental footprint Komplett Bank’s activities are concentrated to the Nordic consumer credit market with the Bank having limited influence on what the credit is used for. The environmental impact of Komplett Bank’s activities is mainly related to energy consumption andwaste from its premises, and some travelling. Being a fully digitalized Bank, with the products offered online through the Bank’s website, consumption of paper and the need for travel is minimised. The Bank has not prepared any specific guidelines relating to the external environment but encourage employees to reduce consumption and waste generated from their daily activities, e.g. food waste in the cantina which was effec- tively reduced during 2021. In order to reduce business travel, employees are encouraged to use digital solutions such as video conferencing and travelling by public transport when travel is necessary. For data storage, Komplett Bank uses Microsoft Office 365 and Azure Compute, which are between 80-98 % more energy efficient than traditional on-premise datacentres. The Bank is delivering IT equipment for recycling. According to the environmental report for d|rig Komplett Bank is among the pioneering businesses for reuse and recycling of IT equipment, The Bank is contributing to accelerate the shift from a use-and-discard mentality within the IT business to a more sustainable development. In 2021 Komplett Bank delivered 99 units (screens, laptops and servers), where 90 units was reused and the remaining used for recycling. According to the report, the reuse of the submitted equipment equaled an environmental saving equal to the average power consumption for seven homes. Komplett Bank will take further steps towards measuring and disclosing its overall environmental impact. The employees Komplett Bank wants to be an attractive employer which offers a good working environment for the employees, the Bank’s most important resource. Komplett Bank relies on motivated and engaged employees to reach its business goals, and wants to provide its employees opportunities to develop, enhance their skills and assume new responsibilities. To ensure value creation for all stakeholders, the Bank also need individuals that complement each other and work well together. Komplett Bank’s employment practices ensure compliance with internationally recognised human rights and labour rights. Diversity and equal opportunities Komplett Bank believes a diverse and inclusive workforce is fundamental to ensure innovation and value creation over time. All employees shall be treated equally, regardless of age, gender, disability, cultural background, religious beliefs or sexual orientation, both in recruitment processes and throughout the employment relationship. No kinds of discrimination or harassment is accepted. There were no reported breaches of the company’s guidelines in 2021. Komplett Bank works actively to ensure diversity and equal oppor- tunities. As a result, the Bank employs more than 17 different nationalities and has a good gender distribution across departments and management levels. At the end of 2021, the Bank employed 145 persons (142,2 FTEs). Women account for 36,5 % of all staff and 52 % of all management. One of the Bank’s objectives is to ensure that both genders are represented in all management bodies. At the end of the year, 43 % of Komplett Bank’s board members were women, while there was one woman of 6 members of the executive management team. Women and men are paid the same rate for the work they do, and employees are promoted on merits. Komplett Bank encourages a good work-life balance for all employees. To encourage women to remain in the workplace, the Bank offers flexible working and maternity policies. Of 145 employees, five are employed on a part-time basis (whereof three are female) motivated by employee preferences. Both men and women are encouraged to take parental leave. Komplett Bank offers permanent employees paid parental leave equalling 100 % of their salary, above the statutory requirements in Norway. In 2021, a total of 12 of the Bank’s employees took parental leave, and five of these were men. On average women took 24,8 weeks and men 8,8 weeks. Salary comparisons The Bank has evaluated and divided the organization into job categories based on organizational level and type of position. This means that job categories can be at the same organizational level, one separation being between e.g leader/manager and specialist. The comparison shows that women’s salary level is 82% of men’s salaries. Disregarding the salaries of the executive management, the women’s salary level is 89% of men’s salaries. Within the customer service center, where employees often are hired directly from university, or have short work experience, women’s salaries are 103,6% of that of men. Those employees reporting to the executive management, women’s salaries are 94,1% of that of men. The main reason for the differences is related to age and work experience. The Bank had a bonus scheme which was terminated per 31.12.2021. The bonus scheme was collective, all employees were awarded the same percentage of fixed salary as a bonus, depending on the length of employment during the year. Komplett Bank / Annual Report 2021 27
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