The winning bank has made significant progress in integrating environmental, social and governance (ESG) principles into its operations. It aligns efforts with international sustainability standards, such as the United Nation’s (UN’s) Sustainable Development Goals (SDGs) and works with global financial institutions to promote green investment particularly in reducing energy use and carbon emissions. The bank allocates nearly 9% of its total lending in green finance—way above the industry average of 4.5%—and launches eco-friendly products.