For us responsibility is taking into account the social, economic and environmental effects of everything we do. This means actively reviewing how our daily decisions affect our customers, our business and communities in which we operate. We believe the best relationships are built through open, honest and straightforward communication; that is why we have high standards of service you can expect.   We understand how vital it is for us to implement responsible and sustainable business practices and to do all we can for the communities in which we operate. Good reasons for talking to us: ·       We are well prepared for the challenging market conditions ·       We stick to sound business principles of traditional banking model ·       We take consistently prudent and disciplined approach to risk management ·       We have diverse lending, funding ad geographic spreads helping to make us resilient to current conditions