Local presence GRI Management approach 2016 103-1/2/3 Management of material topics 5–7, 8–9, 13–14, 17 FS13 Access points in low-populated or economically disadvantaged areas 13–14, 46 FS14 Initiatives to improve access to financial services for disadvantaged people 14, 17 1 SR Refers to the 2017 Sustainability Report.