9.4 Emissions and resources used

We monitor our environmental impact by reporting environmental data in key areas: greenhouse gas emissions, energy consumption (by source), water consumption, consumption of various raw materials, and waste generated, with greenhouse gas emissions reported in all 3 scopes.

[GRI 305-1]  [GRI 305-2]  [GRI 305-3]

Greenhouse gas emissions in Scope 1, 2 and 3*

The methodology adopted and the initially defined scopes of analyses are constantly adjusted to the achievements of science and the capabilities of the enterprise (available data). The above data is derived for the Head Office (Gdańsk and Sopot) from invoices, while for the field offices, from an estimation. It is made on the basis of the number of employees at a given office or consumption per square metre.

The year 2020 was omitted from the data presentation as distorting the emissions picture because it was a pandemic year. The changes in the carbon footprint at the time resulted from the pandemic restrictions, not from individual choices made by companies.

Therefore, the results for Scope 3 will vary over the 2019-2022 period. The first step was to expand Scope 3. In the calculation of CO₂ emissions in Scope 3 for 2019, only the following are included: waste, paper, and business travel by air and train. The calculation of CO₂ emissions in Scope 3 for 2020 and 2021 includes new items**. The method used to calculate employees’ remote work was also revised in 2023. The method used was to convert the average energy consumption per household by the number of working hours per month, employees working remotely and the average energy mix for Poland.

* The calculation used the GHG Protocol Standard; The Partnership for Carbon Accounting Financials (PCAF) Global GHG Accounting and Reporting Standard for the Insurance Industry was not used.

**Toners and cartridges, mobile Internet, paper, coffee and tea, waybills, waste, business trips by planes and trains and hotel accommodation, transport and distribution, employees’ commuting, remote work of employees, including the work of agents performed for ERGO Hestia.

In the environmental management system, we treat resource consumption as direct environmental aspects that we can fully control. From the perspective of our business, we are primarily aiming to reduce their consumption.

* The data pertains to consumption of electricity, heat and natural gas at the Head Office (Sopot+Gdańsk).

Petrol consumption

Diesel consumption

* https://apps.cer-rec.gc.ca/Conversion/conversion-tables.aspx.

[GRI 303-3]

2022 was a time when increasing numbers of employees were returning to offices from remote work, which had an impact on higher water consumption compared to the previous year. Modernization work in our buildings continued, e.g. installation of faucets with automatic water switch sensors to optimize water consumption.

[GRI 306-1]

As in the case of water consumption, the increased waste production in 2022 was due to the partial return of employees to the offices. However, there was no change in the weight of recyclable waste relative to 2021.

[GRI 301-1]

Despite the partial return to offices, we have been able to reduce the consumption of resources related to the day-to-day operation of the organisation.