Sustainability

Sustainability

Moza Banco maintains its deep institutional commitment to the socio-economic development of Mozambique and this position is translated into its guidelines, strategies and actions regarding Sustainability. In our actions we respect, value and prioritise dialogue with all stakeholders with whom we relate. We embrace Sustainability because we believe that companies are challenged to incorporate into their management a vision that goes beyond the goal of economic and financial profitability. This vision has led us to make a very deep commitment to Sustainability and to use its principles as part of our business strategy.

Policies and Commitments

1. Presentation

• This Corporate Social Responsibility Policy from Moza Banco establishes the guidelines for incorporating Social Responsibility practices in the bank's management, which entails various voluntary actions aimed at promoting beneficial development between the bank, its employees, the community and other stakeholders.

2. Management

• Communication and Corporate Social Responsibility.

3. Scope of Application

• This Policy applies to the management of relationships with all Stakeholders and its implementation must be included in the respective Annual Report.

4. Objectives

• Establishing principles, guidelines and procedures for Moza Banco's social and environmental practices in business and in relations with stakeholders, including guidelines to prevent and manage socio-environmental risks, impacts and opportunities within the organisation's sphere of influence, contributing to realising its corporate commitment to sustainable development.
• Directing the building of an excellent relationship with all stakeholders, promoting ethical and transparent dialogue, considering their expectations, needs, and social, cultural, economic, political and environmental contexts.

5. Guidelines

• Conducting business in an ethical, reputable, and transparent manner and in compliance with legal requirements and in a way that is committed to sustainable development.
• Promoting Social Responsibility in order to enhance the bank's reputation through the implementation of actions capable of creating value in people, environment and society.
• Offering, whenever possible, a value proposal for employees and their families in order to contribute to improving their well-being, encouraging them to maintain a balance between personal and professional life, while also incorporating relevant aspects in social and environmental management in our activities, guided constantly by the respect for Code of Ethics.
• Shaping the behaviour of our employees in professional ethics, responsibility and social and environmental commitment, in addition to strict compliance with legislation and internal codes of conduct.
• Promoting involvement with the external public through sponsorships and social investments, essentially in the areas of Culture, Education, Citizenship, Sustainability and Solidarity to be carried out in the regions where Moza Banco has a commercial presence.
• Carrying out its activities contributing to the economic and social progress of the communities where it operates, taking into consideration its impact on the environment and fostering stable relationships with its main target audiences.
• Acting to minimise the bank's ecological footprint and backing an economy with lower environmental impacts.

6. Responsibilities 

• Executive Committee – approving the policies defined in a specific document, and ensure that they are fully complied with.
• Marketing, Channels and Communication Department – managing and promoting the full achievement of actions that ensure the implementation, dissemination, monitoring and evaluation of this policy.

7. Validity, Publication and Review

• This Policy takes effect on the date of its publication, and shall be published on the bank's intranet and internet, being available to all interested parties.
• The review of this Social Responsibility Policy shall take place every five (5) years, from the date of its effective approval or whenever there is any representational change.

Sponsorship Policy

Moza Banco's Sponsorship Policy comprises integration and communication actions with the society which contribute not only to the fulfilment of our Mission, enhancing its related values but also to the leverage of its institutional image by valuing and establishing its identity with the society, consumer market and its Collaborators.

Moza sponsors mainly projects which are in line with its Social Responsibility policy, including mostly interventions in the Cultural, Educational and Health areas.

Resources are limited. Thus, the Sponsorship Policy, which meets the guidelines established by the Bank's Strategic Planning, requires that all requests obey a thorough assessment, namely with regard to the aims, documentation submitted, terms and form of presentation of accounts.

1. OBJECTIVES OF THE MOZA SPONSORSHIP:

a) Meet Moza's commitment with the community, fostering social and cultural actions;

b) Increase the reputation and recognition of the Moza Brand, thus boosting its name;

c) Promote our Values;

d) Attract new publics and strengthen the existing relationships;

e) Associate the Moza brand to areas and publics of interest;

f) Value and motivate our Collaborators.

Analysis of Socio-Environmental Risks and Opportunities

As a financial institution, we relate to all productive sectors of the economy and we are aware of our potential to influence positive changes in society. This is why we provide a structured dialogue with all stakeholders, manage risks and offer sustainable business opportunities, considering market trends, regulations and demands of clients, employees and society.

To strengthen this approach, we adopt specific policies and adhere to voluntary and mandatory commitments that guide the practices of our business units. We incorporate social and environmental criteria in the granting of credit and in investment analysis, aimed at mitigating social and environmental risks.