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We review our material sustainability topics every reporting period to ensure they represent our organization’s most significant impacts. In the chapter, we describe the process and the outcome of our materiality assessment. Read more about Materiality assessment .
We conduct a materiality assessment every year, which enables us to validate the relevance of our strategic choices and identify topics that affect our work. We engage with a broad group of stakeholders on a regular basis. Read more about Materiality assessment and stakeholder engagement .
Details of the members of the Supervisory Board per 31 December 2023, including other positions, are provided in the following table. Read more about Members of the Supervisory Board .
Operational risk is defined as the risk of loss resulting from inadequate or failed internal processes, people and systems, or from external events, including legal risks, excluding strategic risks. Read more about Non-financial risk .
The company financial statements of FMO should be read in conjunction with the consolidated financial statements including the risk management information, segment information and the notes to the consolidated financial statements. Read more about Notes to the company statement of financial position .
The balance as mentioned in the cash flow statement corresponds with the following items in the consolidated statement of financial position: Read more about Notes to the consolidated statement of cash flows .
Read more about Notes to the consolidated statement of comprehensive income .
The cash on bank accounts can be freely disposed of. All bank accounts are classified as Stage 1. Read more about Notes to the consolidated statement of financial position: assets .
Short-term credits reflect the cash collateral received for derivative contracts held with positive value. Refer also to the section 'Counterparty credit risk' in the 'Risk management' chapter. Read more about Notes to the consolidated statement of financial position: liabilities and equity .
Included in the interest income on loans is €30.7m (2022: €28.8m) related to Stage 3 loans (adjusted on basis of net carrying amount). Read more about Notes to the consolidated statement of profit or loss .