Material issues Importance Definition and scope of terms See pages Culture of compliance and conduct Compliance with laws and regulations / prevention of money laundering and terrorist financing / anti-corruption / combating financial market crime (e.g. fraud, anti-competitive practices) / sanctions compliance / tax compliance / corporate culture  *               12 – 16 17 – 22 44 – 46 2 Climate change Reducing the carbon footprint of own operations / greenhouse gas neutrality / managing climate risks / facilitating transition to a low-carbon and climate-resilient economy through product offering / climate-related disclosure 17 – 22 54 – 60 3 Environmental and social risk management Environmental management system / assessment of sustainability risks in transactions / policies for sensitive industries / impacts on ecosystems and landscapes (incl.