{"id":39140,"date":"2024-02-05T08:26:55","date_gmt":"2024-02-05T06:26:55","guid":{"rendered":"https:\/\/www.altum.lv\/about-altum\/ilgtspeja\/"},"modified":"2026-03-17T08:25:37","modified_gmt":"2026-03-17T06:25:37","slug":"sustainability-and-corporate-governance","status":"publish","type":"page","link":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/","title":{"rendered":"Sustainability and corporate governance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"39140\" class=\"elementor elementor-39140 elementor-35843\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-90b1394 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"90b1394\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61c18fb\" data-id=\"61c18fb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ea1ddf elementor-widget elementor-widget-altum-tab-header2\" data-id=\"5ea1ddf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-tab-header2.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <section class=\"topBanner topBanner-topicFamily topBanner-pb-0\"  style=\"background-image: url(https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Cover-dizaini_7-01.png)\">\n                <div class=\"container\">\n\t\t\t\t<div class=\"topBanner__breadcrumbs\"><a href=\"https:\/\/www.altum.lv\" class=\"topBannerBreadcrumb__link\">Altum<\/a><span class=\"topBannerBreadcrumb__indent\">-<\/span><\/div>\n                    <h1 class=\"topBanner__title topBanner__title-md\">\n                        Sustainability and <br> corporate governance\n                    <\/h1>\n                    <p class=\"topBanner__text\">\n                    \n                    <\/p>\n                    <div class=\"mobileScroll\">\n                        <div class=\"famWithChildTop__btnWrap famWithChildTop__topBanner\">\n                            <a href=\"javascript:;\" data-id=\"1\" class=\"famWithChildTop__btn testtest famWithChildTop__btn-active\">Commitments and sustainability strategy <\/a><a href=\"javascript:;\" data-id=\"2\" class=\"famWithChildTop__btn\">Sustainable finance<\/a><a href=\"javascript:;\" data-id=\"3\" class=\"famWithChildTop__btn\">Corporate governance <\/a><a href=\"javascript:;\" data-id=\"4\" class=\"famWithChildTop__btn\">Altum sustainability governance<\/a><a href=\"javascript:;\" data-id=\"5\" class=\"famWithChildTop__btn\">ESG aspect <br>management in AIF ACF<\/a>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/section>\n\t\t\n            <section>\n                <div class=\"container\">\n                    <div class=\"famWithChild__bottom\">\n                        <div class=\"container altum__headerTab-content\">\n\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"altum__anchor-menu\"><div class=\"anchor__container\"><a data-anchor=\"#ilgtspeja\">Sustainability strategy <\/a><a data-anchor=\"#butiskuma_matrica\">Materiality matrix<\/a><a data-anchor=\"#sadarbiba\">Stakeholder relations<\/a><a data-anchor=\"#sadarbibas_partneri\">Partners<\/a><a data-anchor=\"#contribution_to_society\">Contribution to society<\/a><\/div>\t<\/div>\t\t<section class=\"elementor-section elementor-top-section headerTab elementor-element elementor-element-e3abc37 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3abc37\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b2ee268\" data-id=\"b2ee268\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b94d827 elementor-widget elementor-widget-text-editor\" data-id=\"b94d827\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"ilgtspeja\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Sustainability at ALTUM<\/h2>\n<p><span lang=\"EN-GB\">Sustainability is a key part of ALTUM&#8217;s business and strategy and has become an important strategic driver for the banking sector as well as for development finance institutions in Europe<\/span><span lang=\"EN-GB\">. ALTUM takes responsibility for the long-term economic, environmental and social impact of its day-to-day activities and continuously works to ensure that the investment decisions it makes in building its portfolio contribute to sustainable development, do not adversely impact sustainability factors and facilitates its clients\u2019 transition<\/span> <span lang=\"EN-GB\">towards a sustainable economy and encourage responsible business practices.<\/span><\/p>\n<p>\u00a0<\/p>\n<p>Sustainability is an integral part of ALTUM. Sustainability strategy defines goals for integration sustainability aspects into all operational areas of ALTUM, including risk management, portfolio impact development and internal operations.\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>ALTUM commits to contribute to sustainable development and has prioritised the <a href=\"https:\/\/sdgs.un.org\/goals\">UN Sustainable Development Goals<\/a> (UN SDGs), which are closely linked to the company operations and strategic objectives.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-9355e7a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9355e7a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-ef8f32a\" data-id=\"ef8f32a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eca1339 elementor-widget elementor-widget-text-editor\" data-id=\"eca1339\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b><span lang=\"EN-GB\">Impact<\/span><\/b><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c7f07bd\" data-id=\"c7f07bd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72cc9ba elementor-widget elementor-widget-text-editor\" data-id=\"72cc9ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Materiality aspect<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5ee50fd\" data-id=\"5ee50fd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a5ab43 elementor-widget elementor-widget-text-editor\" data-id=\"1a5ab43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>UN SDGs<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-21c17a0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"21c17a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-8798430 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8798430\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f190346\" data-id=\"f190346\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-044bbdf elementor-widget elementor-widget-text-editor\" data-id=\"044bbdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Climate issues<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1072db1\" data-id=\"1072db1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b6d52a elementor-widget elementor-widget-text-editor\" data-id=\"1b6d52a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Financial instruments for climate change mitigation<\/p>\n<p>\u00a0<\/p>\n<p>Climate resilience considered in all financing decisions<\/p>\n<p>\u00a0<\/p>\n<p>Raising awareness of climate change improving climate resilience<\/p>\n<p>\u00a0<\/p>\n<p>Impact of own daily activities on climate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-20bc633\" data-id=\"20bc633\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d9b9fe elementor-widget elementor-widget-text-editor\" data-id=\"0d9b9fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img decoding=\"async\" class=\"\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-09.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-11.png\" alt=\"\" width=\"128\" height=\"128\" \/> <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-13.png\" alt=\"\" width=\"128\" height=\"128\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b0f9a2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4b0f9a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-c87d4f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c87d4f3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-54b72cc\" data-id=\"54b72cc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc93c9d elementor-widget elementor-widget-text-editor\" data-id=\"cc93c9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b><span lang=\"EN-GB\">Governance<\/span><\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a0cc627\" data-id=\"a0cc627\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e79b531 elementor-widget elementor-widget-text-editor\" data-id=\"e79b531\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fair and ethical governance, anti-corruption<\/p>\n<p>\u00a0<\/p>\n<p>Open communication and stakeholder involvement<\/p>\n<p>\u00a0<\/p>\n<p>Sustainable procurement<\/p>\n<p>\u00a0<\/p>\n<p>Cybersecurity, right to privacy and data protection<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7366006\" data-id=\"7366006\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b93d425 elementor-widget elementor-widget-text-editor\" data-id=\"b93d425\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-12.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-16.png\" alt=\"\" width=\"128\" height=\"128\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-db532a2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"db532a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-22db982 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22db982\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-cef2bca\" data-id=\"cef2bca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8cfde76 elementor-widget elementor-widget-text-editor\" data-id=\"8cfde76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Services<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-17fc14a\" data-id=\"17fc14a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1da6390 elementor-widget elementor-widget-text-editor\" data-id=\"1da6390\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Promoting entrepreneurship, employment<\/p>\n<p>\u00a0<\/p>\n<p>Governance decisions upon all financing issues<\/p>\n<p>\u00a0<\/p>\n<p>Social considerations in all financing decisions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c4db259\" data-id=\"c4db259\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58e5590 elementor-widget elementor-widget-text-editor\" data-id=\"58e5590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-08.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-09.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-11.png\" alt=\"\" width=\"128\" height=\"128\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2539fbc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2539fbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-9a3eed0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a3eed0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8cee966\" data-id=\"8cee966\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a2640f elementor-widget elementor-widget-text-editor\" data-id=\"5a2640f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Working environment<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5567f90\" data-id=\"5567f90\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee8f17c elementor-widget elementor-widget-text-editor\" data-id=\"ee8f17c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Employee health and safety<\/p>\n<p>\u00a0<\/p>\n<p>Fair treatment of employees<\/p>\n<p>\u00a0<\/p>\n<p>Staff training and development<\/p>\n<p>\u00a0<\/p>\n<p>Diverse and inclusive working environment, gender equality<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-90c47e5\" data-id=\"90c47e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3112d89 elementor-widget elementor-widget-text-editor\" data-id=\"3112d89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-03.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-08.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-10.png\" alt=\"\" width=\"128\" height=\"128\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bcab17 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0bcab17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-a51251e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a51251e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-9dc61a3\" data-id=\"9dc61a3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-186b7d7 elementor-widget elementor-widget-text-editor\" data-id=\"186b7d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Society<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-867b9a0\" data-id=\"867b9a0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a8ad9c elementor-widget elementor-widget-text-editor\" data-id=\"7a8ad9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fostering and strengthening the entrepreneurial spirit<\/p>\n<p>\u00a0<\/p>\n<p>Promoting financial literacy in society<\/p>\n<p>\u00a0<\/p>\n<p>Improving the economic status of women<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a1e842b\" data-id=\"a1e842b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-81e50ab elementor-widget elementor-widget-text-editor\" data-id=\"81e50ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-08.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-10.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-11.png\" alt=\"\" width=\"128\" height=\"128\" \/>\u00a0<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-12.png\" alt=\"\" width=\"128\" height=\"128\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-7b8e855 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b8e855\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3907771\" data-id=\"3907771\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-85cbc29 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"85cbc29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6034534 elementor-widget elementor-widget-text-editor\" data-id=\"6034534\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #999999;\"><span style=\"font-size: 14px;\">Materiality aspect was defined while conducting stakeholder survey for materiality matrix.\u00a0<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b81b9e0 elementor-widget elementor-widget-text-editor\" data-id=\"b81b9e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Towards sustainable finance<\/h3>\n<p>We work towards sustainable finance and the integration of sustainability into all Altum processes and disclosures related to sustainability in the financial services sector\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-6182692 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6182692\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-443fce2\" data-id=\"443fce2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80efbb4 elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"80efbb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-483.svg\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\"><\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>Work is under way to expand the range of sustainable finance instruments<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-a258b2c\" data-id=\"a258b2c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-504b58e elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"504b58e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-482.svg\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\"><\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>SMEs and Midcaps are promoted to move towards sustainable development through appropriate access to finance and incentives<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-b93a509\" data-id=\"b93a509\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0decc1 elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"e0decc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-474.svg\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\"><\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>Overall, financial sector and public support is increased to accelerate the transition of businesses to a sustainable economy<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-54f416d\" data-id=\"54f416d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5572d9 elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"e5572d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-475.svg\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\"><\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>Internal processes are reviewed to integrate ESG considerations in financing decisions and further portfolio monitoring<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-cffc5d7\" data-id=\"cffc5d7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f73134a elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"f73134a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-480.svg\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\"><\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>Staff competencies are developed in integrating sustainable finance and ESG considerations into risk management<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a7ed96 elementor-widget elementor-widget-text-editor\" data-id=\"8a7ed96\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"ilgtspejas_strategija\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0<\/h3>\r\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b27e7f1 elementor-widget elementor-widget-text-editor\" data-id=\"b27e7f1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"butiskuma_matrica\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Materiality matrix for sustainability<\/strong><\/h3>\n<p>To establish ALTUM&#8217;s materiality matrix for sustainability and define the ambition level for sustainable finance in the loan portfolio, stakeholder identification, mapping and a survey were carried out at the end of 2021 to identify the material aspects to be included in the sustainability content. The survey asked for an assesment of ALTUM&#8217;s performance so far in the areas of environmental, social and corporate governance as well as expectations of ALTUM in the areas of sustainability in the business environment, day-to-day operations, community support and development, as well as ALTUM as an employer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d32456c elementor-widget elementor-widget-altum-button\" data-id=\"d32456c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btnlblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/en\/materiality-matrix\/\" target=\"_blank\">more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f0e6ef elementor-widget elementor-widget-text-editor\" data-id=\"2f0e6ef\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"sadarbiba\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0<\/h3>\n<h3>Stakeholder relations<\/h3>\n<p>Altum works closely with its stakeholders, and recognising Altum&#8217;s specific role in the national economy identified the needs of stakeholders and address them. Altum is aware of and assesses the social, environmental and economic impacts of its activities and involves stakeholders in solving issues of mutual concern. In building relationships with stakeholders, Altum organises and engages them in consultations, partnerships, informative and educational events.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-067095f elementor-widget elementor-widget-altum-button\" data-id=\"067095f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btnlblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/en\/stakeholders\/\" target=\"_blank\">more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f19348 elementor-widget elementor-widget-text-editor\" data-id=\"2f19348\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"sadarbibas_partneri\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0<\/h3>\n<h3><strong>Partners<\/strong><\/h3>\n<p>ALTUM cooperates with state and non-state institutions, financial institutions, various types of international institutions and associations in developing and implementing state support programs, as well as attracting financing.<\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-971f34d elementor-widget elementor-widget-altum-button\" data-id=\"971f34d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btnlblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/en\/partners\/\" target=\"_blank\">more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5174556 elementor-widget elementor-widget-text-editor\" data-id=\"5174556\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Public support, investment in local community development<\/h3>\n<p>ALTUM\u2019s management and employees actively engage in public education activities throughout the year, focusing on various initiatives aimed at business development, promoting societal well-being, contributing to climate change mitigation efforts, and fostering long-term economic growth.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd27d5c elementor-widget elementor-widget-altum-button\" data-id=\"dd27d5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btnlblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/en\/public-support-investment-in-local-community-development\/\" target=\"_blank\">more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"altum__anchor-menu\"><div class=\"anchor__container\"><a data-anchor=\"#esg_apnemsanas\">ESG roadmap <\/a><a data-anchor=\"#portfela_devums\">Portfolio contribution to sustainable development<\/a><\/div>\t<\/div>\t\t<section class=\"elementor-section elementor-top-section headerTab elementor-element elementor-element-580a5bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"580a5bc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-149c20f\" data-id=\"149c20f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7248863 elementor-widget elementor-widget-text-editor\" data-id=\"7248863\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>ALTUM&#8217;s ambitions for sustainable finance are realised voluntary and are driven by:<\/strong><\/p>\n<p>\u00a0<\/p>\n<ol>\n<li>the expectations of stakeholders, such as investors, credit rating agencies, international lenders, Nasdaq, for Altum to be a Latvian development finance institution with a highly significant impact on the Latvian economy;<\/li>\n<li>eligibility requirements for public funding available from the EU Cohesion Policy and\/or RRF instrument contributing to the Sustainable Europe Investment Plan\/Green Deal Investment Plan, where Altum plays a critical role in the implementation of financial instruments in the SME sector in Latvia.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6dae43 elementor-widget elementor-widget-text-editor\" data-id=\"b6dae43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Taking into account the stakeholder survey conducted for development of ALTUM materiality matrix, TOP3 priorities were defined for sustainable financing:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f114e6 elementor-widget elementor-widget-altum-icon-text\" data-id=\"7f114e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-482.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Improving access to sustainable financing for SMEs:<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3547ea elementor-widget elementor-widget-altum-icon-text\" data-id=\"c3547ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-481.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Promoting projects that will have a positive environmental and social impact;<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e5de63 elementor-widget elementor-widget-altum-icon-text\" data-id=\"0e5de63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-475.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Expanding the sustainable set of financial instruments.<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4800fb elementor-widget elementor-widget-text-editor\" data-id=\"b4800fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The ambition level of Altum is also influenced by the sustainable financing framework already in place for part of Altum&#8217;s portfolio<\/p>\n<ul>\n<li>e.g., the portfolio financed under the <a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/green_bonds_altum_20211.pdf\">Altum Green Bond Financing Framework<\/a> 2021, taking into account the Green and Social Bond Principles published by the <a href=\"https:\/\/www.icmagroup.org\/\">International Capital Market Association<\/a> (ICMA)).<\/li>\n<li>Although not binding on Altum, the Company follows the practices of the international financial institutions sector in its day-to-day operations. Thus, the <a href=\"https:\/\/www.eba.europa.eu\/\">EBA<\/a> (European Banking Authority) guidelines on the integration of ESG considerations in credit risk management, including lending and monitoring, are reviewed alongside with assessing their further integration into Altum&#8217;s credit risk management processes, both when making financing decisions and improving Altum&#8217;s internal processes.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<h2>ESG roadmap\u00a0<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4edec5 elementor-widget elementor-widget-image\" data-id=\"b4edec5\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"esg_apnemsanas\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"834\" height=\"767\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/ESG-roadmap-ENG-v2.png\" class=\"attachment-full size-full wp-image-51067\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/ESG-roadmap-ENG-v2.png 834w, https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/ESG-roadmap-ENG-v2-300x276.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/ESG-roadmap-ENG-v2-768x706.png 768w\" sizes=\"(max-width: 834px) 100vw, 834px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-258e485 elementor-widget elementor-widget-text-editor\" data-id=\"258e485\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In September 2021 ALTUM became the first organisation from Latvia to join\u00a0<a href=\"https:\/\/www.nasdaq.com\/solutions\/nasdaq-sustainable-bond-network-investors\" target=\"_blank\" rel=\"noopener\">Nasdaq Sustainable Bond Network.\u00a0<\/a><\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca8b63 elementor-widget elementor-widget-text-editor\" data-id=\"3ca8b63\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"portfela_devums\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Portfolio contribution to sustainable development\u00a0\u00a0<\/h2>\n<p><strong>For detailed information on <a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/04\/Altum_CG_2022_ENG.pdf\">Environmental and social impacts of ALTUM-funded projects 2023<\/a>\u00a0<\/strong>(see corporate governance report 2023, page 16-17).<\/p>\n<p>\u00a0<\/p>\n<p><strong>ALTUM-funded sustainable projects with Green Bond financing<\/strong><\/p>\n<p>In 2017 Altum issued bonds as series of notes quoted on Nasdaq Riga, becoming the first national development institution of a Central and Eastern European country to issue green bonds. You can find more about Green Bond framework <a href=\"https:\/\/www.altum.lv\/en\/investors\/bonds\/programme-17-green-bonds\/about-green-bonds\/\">here<\/a>.\u00a0<\/p>\n<p>Sustainable projects as at 30 June 2023 can be found in <a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/09\/ALTUM_GB-Investor-report_30-June-2023.pdf\">Green Bonds Investor&#8217;s report 2023 <\/a>and supporting <a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/09\/ALTUM-GB_Project_by_project_30-June-2023.pdf\">Project by project report 2023<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9f059 elementor-widget elementor-widget-altum-icon-text\" data-id=\"5d9f059\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>The funding attracted from issuing the Green Bonds is used to fund sustainable business projects in the fields of energy efficiency, energy generation from renewable energy resources, green buildings and sustainable transportation, including energy service companies (ESCO) servicing companies in these fields.<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0edeb5d elementor-widget elementor-widget-altum-icon-text\" data-id=\"0edeb5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>As at 30 June 2023 Altum has committed a total of EUR 21.7 million and disbursed a total of EUR 16.9 million for green projects.<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb7c1d elementor-widget elementor-widget-altum-icon-text\" data-id=\"1bb7c1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>As at June 2023 Green Bond portfolio project contribution to sustainability has generated annual reduction of GHG emissions corresponding to 13 769 tons CO<sub>2<\/sub>e per year. That in turn corresponds to an actual reduction of 635 tonnes CO<sub>2<\/sub>e p.a. per committed 1 million EUR boosted above average by projects of Energy Efficiency.<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"altum__anchor-menu\"><div class=\"anchor__container\"><a data-anchor=\"#parvaldibas_modelis\">Governance structure<\/a><a data-anchor=\"#dokumenti1\">Regulatory framework<\/a><a data-anchor=\"#zinojums\">Corporate governance report<\/a><a data-anchor=\"#risku_vadiba\">Risk management<\/a><a data-anchor=\"#dokumenti2\">Internal governance documents<\/a><\/div>\t<\/div>\t\t<section class=\"elementor-section elementor-top-section headerTab elementor-element elementor-element-8ae407b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ae407b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0540bd7\" data-id=\"0540bd7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1cc6477 elementor-widget elementor-widget-text-editor\" data-id=\"1cc6477\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In its day-to-day operations in implementing the state-delegated functions to foster the development of national economy and taking voluntary company responsibility for impact on society and environment, Altum acts in compliance with the organization\u2019s strategy and values. Our values define our daily activities, are reflected in our operations and conduct, and fully permeate our positive attitude and openness to changes and innovation. Altum&#8217;s value system is designed to provide a clear perception of Altum to our external partners and clients as well as to our employees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-3dc1414 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3dc1414\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3da4526\" data-id=\"3da4526\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e4fa37 elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"4e4fa37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/rokasspiediens2.png\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\">Team<\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>We work professionally in a unified team together with our customers and partners, thereby creating and implementing effective state aid programmes that are relevant to our client's needs<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f00236a\" data-id=\"f00236a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0be49c1 elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"0be49c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/balva.png\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\">Excellence<\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>Making use of our experience and creative perspective, we strive for excellence in everything we do. We constantly develop ourselves. We take on the complicated, yet finish with simplicity. We look at things and challenges creatively<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f069a4e\" data-id=\"f069a4e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-006259d elementor-widget elementor-widget-altum-icon-with-text\" data-id=\"006259d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"iconBlock__row\">\n                <div class=\"iconBlockRow__imgWrap\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/sasniegtas-virsotnes.png\" alt=\"icon\">\n                <\/div>\n                <h5 class=\"iconBlockRow__h5\" style=\"color: #00B3C9;\">Resposibility<\/h5>\n                <div class=\"iconBlockRow__content_blue\"><p>We strive to reach our goals, pursue everyday work with efficiency, fairness and respect<\/p><\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5ec70 elementor-widget elementor-widget-heading\" data-id=\"1a5ec70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ALTUM Strategy <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be90a9c elementor-widget elementor-widget-text-editor\" data-id=\"be90a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p>\n<p style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-size: clamp(14px, -1.51296px + 0.875rem + 0.4728vw, 18px); line-height: 27px;\"><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/07\/ALTUM-Strategy_2025-2027_short-version.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 600; font-size: 18px;\">ALTUM Strategy 2025-2027<\/span><\/a><\/p>\n<p>\u00a0<\/p>\n<p>The strategy defines ALTUM\u2019s activities and objectives for the three-year period until 2027 projecting moderate growth in new transactions and a gradual increase in the gross portfolio of financial instruments.<\/p>\n<p>ALTUM will continue to strengthen its role in the development of Latvia\u2019s national economy and remain a key partner in the implementation of national development and support programmes, primarily financial instrument programmes.\u00a0<\/p>\n<p>During the strategy period, ALTUM aims to maintain Moody\u2019s credit rating that does not exceed one notch below the sovereign rating assigned to the Republic of Latvia.<\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f87ac8 elementor-widget elementor-widget-text-editor\" data-id=\"7f87ac8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\"><b><span lang=\"EN-GB\" style=\"font-family: 'Century Gothic',sans-serif; mso-ansi-language: EN-GB;\">The key performance indicators are focused on:<\/span><\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46bc8d2 elementor-widget elementor-widget-altum-icon-text\" data-id=\"46bc8d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/rokas-spiediens.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>launching new state support programmes without incurring financial losses for ALTUM, while ensuring adequate coverage for the support measures<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8aea47 elementor-widget elementor-widget-altum-icon-text\" data-id=\"c8aea47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/nauda.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>implementing and expanding direct financial support instruments<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb6abd1 elementor-widget elementor-widget-altum-icon-text\" data-id=\"bb6abd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/rokasspiediens2.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>delivering outstanding client service and cooperation by enhancing functional solutions in the digital environment<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bfff0b elementor-widget elementor-widget-altum-icon-text\" data-id=\"4bfff0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/ideja.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>introducing significant improvements in technology infrastructure and process efficiency<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-089e08c elementor-widget elementor-widget-altum-icon-text\" data-id=\"089e08c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/izaugsme.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>maintaining a high standard of corporate governance culture<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63b8a94 elementor-widget elementor-widget-altum-icon-text\" data-id=\"63b8a94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/dokumentu-parbaude.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>ensuring strong financial and risk management discipline<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-670806c elementor-widget elementor-widget-altum-icon-text\" data-id=\"670806c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/pieaugums.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>ensuring positive indicators of profitability and return on capital<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ceb96 elementor-widget elementor-widget-spacer\" data-id=\"d0ceb96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23cfd5f elementor-widget elementor-widget-text-editor\" data-id=\"23cfd5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"font-size: 20px;\"><span style=\"background-color: inherit;\">\u00a0<\/span><a style=\"font-weight: 500; background-color: inherit;\" href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/06\/ALTUM-Strategijas-izraksts-publicesanai_2_apstiprinata-padome_20220309-eng.docx\" target=\"_blank\" rel=\"noopener\">JSC Development Finance Institution Altum Strategy for the period 2022 \u2013 2024<\/a><\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76ff16a elementor-widget elementor-widget-text-editor\" data-id=\"76ff16a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Notable achievements and awards<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-839e1f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"839e1f8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-126337d\" data-id=\"126337d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e1fe27 elementor-widget elementor-widget-image\" data-id=\"7e1fe27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"427\" height=\"118\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/Moodyes-images.webp\" class=\"attachment-large size-large wp-image-37000\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/Moodyes-images.webp 427w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/Moodyes-images-300x83.webp 300w\" sizes=\"(max-width: 427px) 100vw, 427px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-a631f2b\" data-id=\"a631f2b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84ad525 elementor-widget elementor-widget-image\" data-id=\"84ad525\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/2884-Q22_Nasdaq-Baltic-Awards-Campaign_CC_Logo-Light-Background-1024x1024.webp\" class=\"attachment-large size-large wp-image-37165\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/2884-Q22_Nasdaq-Baltic-Awards-Campaign_CC_Logo-Light-Background-1024x1024.webp 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/2884-Q22_Nasdaq-Baltic-Awards-Campaign_CC_Logo-Light-Background-300x300.webp 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/2884-Q22_Nasdaq-Baltic-Awards-Campaign_CC_Logo-Light-Background-150x150.webp 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/2884-Q22_Nasdaq-Baltic-Awards-Campaign_CC_Logo-Light-Background-768x768.webp 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/2884-Q22_Nasdaq-Baltic-Awards-Campaign_CC_Logo-Light-Background-1536x1536.webp 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/2884-Q22_Nasdaq-Baltic-Awards-Campaign_CC_Logo-Light-Background-2048x2048.webp 2048w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-062adea\" data-id=\"062adea\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dc79f7 elementor-widget elementor-widget-image\" data-id=\"6dc79f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"99\" height=\"99\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/03\/Izciliba_white_47x47-01.png\" class=\"attachment-large size-large wp-image-29788\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-dcf0757\" data-id=\"dcf0757\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fa6ba8 elementor-widget elementor-widget-image\" data-id=\"6fa6ba8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"115\" height=\"116\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/10\/2-02-e1769075897208.png\" class=\"attachment-large size-large wp-image-24067\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-20932d0\" data-id=\"20932d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2ee0a8 elementor-widget elementor-widget-image\" data-id=\"f2ee0a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"281\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/NBA-Logo-300x281.webp\" class=\"attachment-medium size-medium wp-image-37008\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/NBA-Logo-300x281.webp 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/NBA-Logo-1024x960.webp 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/NBA-Logo-768x720.webp 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/NBA-Logo-1536x1440.webp 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/01\/NBA-Logo.webp 1800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-9821207\" data-id=\"9821207\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df09eab elementor-widget elementor-widget-image\" data-id=\"df09eab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/gimenem_draudziga_darbavieta_logo_rgb-1-1024x1024.png\" class=\"attachment-large size-large wp-image-16478\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/gimenem_draudziga_darbavieta_logo_rgb-1-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/gimenem_draudziga_darbavieta_logo_rgb-1-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/gimenem_draudziga_darbavieta_logo_rgb-1-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/gimenem_draudziga_darbavieta_logo_rgb-1-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/gimenem_draudziga_darbavieta_logo_rgb-1-1536x1536.png 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/gimenem_draudziga_darbavieta_logo_rgb-1-2048x2048.png 2048w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-d3c6c22\" data-id=\"d3c6c22\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa97ade elementor-widget elementor-widget-image\" data-id=\"aa97ade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"154\" height=\"137\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/04\/figurbalticadvisory.png\" class=\"attachment-large size-large wp-image-40719\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-1eabb99 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1eabb99\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-ca68c06\" data-id=\"ca68c06\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3eed92 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d3eed92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc57c78 elementor-widget elementor-widget-text-editor\" data-id=\"cc57c78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Long-term credit rating Baa1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-7a0e7b5\" data-id=\"7a0e7b5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62b9c4c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"62b9c4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7050e09 elementor-widget elementor-widget-text-editor\" data-id=\"7050e09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>3rd place in the Baltics in &#8220;Best investor relations in the bond market&#8221; nomination<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-a1d0ca2\" data-id=\"a1d0ca2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e2c8b5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8e2c8b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa17de6 elementor-widget elementor-widget-text-editor\" data-id=\"aa17de6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Nomination &#8220;Risk\u00a0 Management Strategist&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-fb462a4\" data-id=\"fb462a4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffad8f1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ffad8f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07cd955 elementor-widget elementor-widget-text-editor\" data-id=\"07cd955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Platinum award in Sustainability index since 2021\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-696ed26\" data-id=\"696ed26\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6128c77 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6128c77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b2cce6 elementor-widget elementor-widget-text-editor\" data-id=\"6b2cce6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">\u201cNasdaq Baltic Awards 2019\u201d in &#8220;Stock market event of the year&#8221; nomination<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-fc0b48d\" data-id=\"fc0b48d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8ad09f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a8ad09f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-932e5b8 elementor-widget elementor-widget-text-editor\" data-id=\"932e5b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Family friendly workplace<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-14 elementor-inner-column elementor-element elementor-element-c941b16\" data-id=\"c941b16\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ebaab57 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ebaab57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-463e28c elementor-widget elementor-widget-text-editor\" data-id=\"463e28c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span lang=\"EN-GB\">2<\/span><span lang=\"EN-GB\">nd<\/span><span lang=\"EN-GB\"> place in \u201cFair Pay 2023\u201d organised by Figure Baltic Advisory<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c4ff44 elementor-widget elementor-widget-altum-button\" data-id=\"8c4ff44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btncblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/en\/highlights-and-achievements\/\" target=\"_blank\">more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b25847 elementor-widget elementor-widget-text-editor\" data-id=\"0b25847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Sustainability memorandums\u00a0<\/h2>\n<p>Altum has joined <a href=\"https:\/\/www.altum.lv\/en\/about-altum\/memorandums\/\" target=\"_blank\" rel=\"noopener\">memorandums of cooperation in sustainability area.<\/a>\u00a0<\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58d4609 elementor-widget elementor-widget-text-editor\" data-id=\"58d4609\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"parvaldibas_modelis\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Governance structure<\/h2>\n<p>To ensure the achievement and sustainability of Altum&#8217;s strategic objectives, a corporate governance model was elaborated and developed. Starting with 2021, Altum applies the Corporate Governance Recommendations, incorporated in the Code.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ad5e3 elementor-widget elementor-widget-image\" data-id=\"21ad5e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"864\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2026\/01\/grafikas-majas-lapai-1-1536x864.png\" class=\"attachment-1536x1536 size-1536x1536 wp-image-63404\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2026\/01\/grafikas-majas-lapai-1-1536x864.png 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2026\/01\/grafikas-majas-lapai-1-300x169.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2026\/01\/grafikas-majas-lapai-1-1024x576.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2026\/01\/grafikas-majas-lapai-1-768x432.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2026\/01\/grafikas-majas-lapai-1.png 1920w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb1511 elementor-widget elementor-widget-text-editor\" data-id=\"1bb1511\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Shareholders\u2019 representatives<\/h2>\n<p>\u00a0<\/p>\n<p>Effective involvement of shareholders in decision-making helps to achieve the company\u2019s financial and non-financial objectives and ensures its sustainability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-9564eaa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9564eaa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8bf95e5\" data-id=\"8bf95e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f07c5c elementor-widget elementor-widget-image\" data-id=\"4f07c5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.fm.gov.lv\/lv\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/list-391773bfd3f.png\" class=\"attachment-full size-full wp-image-20603\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c07133e elementor-widget elementor-widget-text-editor\" data-id=\"c07133e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"font-size: 16px;\">Representative of the holder of the State&#8217;s shareholdings<\/span><br \/><span style=\"font-size: 16px;\">The State Secretary of the Ministry of Finance<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 16px;\"><strong>Baiba B\u0101ne<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-33d1fc3\" data-id=\"33d1fc3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a68393c elementor-widget elementor-widget-image\" data-id=\"a68393c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.em.gov.lv\/lv\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/list-390773bfd3f.png\" class=\"attachment-full size-full wp-image-20601\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1aa19fa elementor-widget elementor-widget-text-editor\" data-id=\"1aa19fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"font-size: 16px;\">Representative of the holder of the State&#8217;s shareholdings<\/span><br \/>The State Secretary of the Ministry of Economics<\/p>\n<p style=\"text-align: center;\"><strong>Raivis Brem\u0161mits<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-de42215\" data-id=\"de42215\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb9e8de elementor-widget elementor-widget-image\" data-id=\"fb9e8de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/zm.gov.lv\/lv\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/07\/list-392773bfd3f.png\" class=\"attachment-full size-full wp-image-20599\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263b9dd elementor-widget elementor-widget-text-editor\" data-id=\"263b9dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><span style=\"font-size: 16px;\">Representative of the holder of the State&#8217;s shareholdings<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 16px;\"> The State Secretary of the Ministry of Agriculture<\/span><\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 16px;\">\u0122irts Kr\u016bmi\u0146\u0161<\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d0b1e4 elementor-widget elementor-widget-text-editor\" data-id=\"8d0b1e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Supervisory Board<\/h2>\n<p>\u00a0<\/p>\n<p>The members of Altum Supervisory Board have relevant experience and expertise, and possess a range of skills and knowledge, including in the financial sector, business development management as well as corporate strategy and financial management. The Supervisory Board is gender-balanced and respects the principles of diversity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-dddf9d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dddf9d9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-15fbf8d\" data-id=\"15fbf8d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16c6276 elementor-widget elementor-widget-image\" data-id=\"16c6276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/elementor\/thumbs\/0RK4786-scaled-rb5y7npslqy2lkiv10xcsrailasd76x1ldx2h56wiw.jpg\" title=\"_0RK4786\" alt=\"Ieva Jansone-Buka\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0e849c elementor-widget elementor-widget-text-editor\" data-id=\"e0e849c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"structure__item-name\">Ieva Jansone <strong>\u2013 Buka<\/strong><\/h3>\n<p>\u00a0<\/p>\n<p><strong>Chairperson of the Supervisory Board<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>Member of the Board at the business management consultancy company <em>SIA\u00a0IJ Birojs<\/em>, Member of the Supervisory Board of <em>SIA\u00a0TET<\/em> and Board Member of the Latvian Venture Capital Association. 20 + years of experience in finance and business management, as well as extensive experience in the venture capital industry. Previous professional experience related to the implementation of strategic issues while holding the position of the Management Board Member at the <em>Att\u012bst\u012bbas finan\u0161u instit\u016bcija Altum<\/em> AS from March 2021 to June 2025. Prior to that, she held top management positions at the investment management company <em>IPAS\u00a0INDEXO<\/em>, <em>SIA\u00a0IJ\u00a0Birojs<\/em> and Latvian branch of <em>Nordea\u00a0Bank\u00a0Finland\u00a0Plc<\/em>., <em>SIA\u00a0Clean\u00a0R and SIA\u00a0Vides\u00a0Pakalpojumu\u00a0Grupa<\/em>.<\/p>\n<p>\u00a0<\/p>\n<p>Holder of EMBA from the Stockholm School of Economics in Riga and BSocSc in Management Science and Policy Science from the University of Latvia.<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: for a time period until a candidate is selected in accordance with the procedure laid down in the Law on the Governance of Capital Shares of a Public Entity and Management of Capital Companies Thereof.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2f1dd1b\" data-id=\"2f1dd1b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6349b75 elementor-widget elementor-widget-image\" data-id=\"6349b75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/elementor\/thumbs\/taisns-1-scaled-qngzw0g3wru1a3uu2udq8ko6syyax9sc2j24yxs5d4.webp\" title=\"taisns-1\" alt=\"taisns-1\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a958ca elementor-widget elementor-widget-text-editor\" data-id=\"1a958ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Kri\u0161j\u0101nis Znoti\u0146\u0161<\/strong><\/h3>\n<p>\u00a0<\/p>\n<p class=\"structure__item-name\"><strong>Independent Member of the Supervisory Board<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>15+ years experience in the management and corporate governance working in executive positions in financial sector companies (DNB leasing, Eleving Group Latvia, Wandoo finance, Luminor bank).<\/p>\n<p>\u00a0<\/p>\n<p>Holds Bachelor&#8217;s degree from the Banku Augstskola and Master&#8217;s degree in business management in international finance and banking from SBS Swiss Business School (Switzerland).<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: 30.04.2027<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-e267753\" data-id=\"e267753\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8759d7c elementor-widget elementor-widget-image\" data-id=\"8759d7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/elementor\/thumbs\/Vizuali-1-rbb91hvg858ibfp901txqofc4o8d5qp3rxcenl7qjs.jpg\" title=\"Vizu\u0101\u013ci (1)\" alt=\"Vizu\u0101\u013ci (1)\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5118146 elementor-widget elementor-widget-text-editor\" data-id=\"5118146\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Ilze Lore<\/strong><\/h3>\n<p>\u00a0<\/p>\n<p style=\"text-align: justify;\"><b><span style=\"color: black;\">Member of the Supervisory Board<\/span><\/b><\/p>\n<p>\u00a0<\/p>\n<p>Director of the Business Support Department at the Ministry of Economics of the Republic of Latvia. Gained extensive experience in the field of business competitiveness and support, holding several top management positions at the Ministry of Economics.\u00a0 Ministry\u2019s representative on the Management Board of Three Seas Initiative Investment Fund S.A. SICAV-RAIF from March 2021 to May 2025.<\/p>\n<p>Holds a Master&#8217;s degree in international economics and business from the University of Latvia and a Bachelor&#8217;s degree in international business from the University of Latvia.<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: for a time period until a candidate is selected in accordance with the procedure laid down in the Law on the Governance of Capital Shares of a Public Entity and Management of Capital Companies Thereof.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6741e7 elementor-widget elementor-widget-text-editor\" data-id=\"a6741e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/09\/Padomes-atalgojuma-politika_Engll.pdf\" target=\"_blank\" rel=\"noopener\">Remuneration policy of the Supervisory Board<\/a><\/li>\n<li><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/11\/padomes_darba_organizesanas_kartiba_v2_ENG.pdf\" target=\"_blank\" rel=\"noopener\">Regulations of the Supervisory Board<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8247d3 elementor-widget elementor-widget-text-editor\" data-id=\"e8247d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Management Board<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-ad9fe1b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad9fe1b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-01a48b4\" data-id=\"01a48b4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-479e7b6 elementor-widget elementor-widget-image\" data-id=\"479e7b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-39391f8ce322.png\" class=\"attachment-full size-full wp-image-5961\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-39391f8ce322.png 260w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-39391f8ce322-150x150.png 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-624d624 elementor-widget elementor-widget-text-editor\" data-id=\"624d624\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"structure__item-name\">Reinis B\u0113rzi\u0146\u0161<\/h3>\n<p>\u00a0<\/p>\n<p class=\"structure__item-position\"><strong>Chairman of the Management Board<\/strong><\/p>\n<p>\u00a0<\/p>\n<div class=\"richtext\">\n<div class=\"richtext__main\">\n<p>Business management and finance professional with extensive experience in managing companies and institutions.<\/p>\n<p>\u00a0<\/p>\n<p>Holder of a Master\u2019s degree in International Finance and Banking from BA School of Business and Finance, a Master\u2019s degree in Business Administration from the Swiss Business School and a Master\u2019s degree in Law from the University of Latvia.<\/p>\n<p>\u00a0<\/p>\n<p>Main areas of responsibility: venture capital instruments, financial recourse and risk management, sustainability management.<\/p>\n<p>\u00a0<\/p>\n<p>Paula Stradi\u0146a Clinical University Hospital, Chairman of the Supervisory Board. Three Seas Initiative Investment Fund S.A. SICAV-RAIF, Member of the Supervisory Board.<\/p>\n<\/div>\n<p>\u00a0<\/p>\n<p>Managing Altum since 12\u00a0October 2015.<\/p>\n<p>\u00a0<\/p>\n<div class=\"richtext__main\">\n<p>Term of office: 06.11.2028.<\/p>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d3791be\" data-id=\"d3791be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4947e1f elementor-widget elementor-widget-image\" data-id=\"4947e1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-39401f8ce322.png\" class=\"attachment-full size-full wp-image-5959\" alt=\"ALTUM valdes loceklis J\u0113kabs Krievi\u0146\u0161\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-39401f8ce322.png 260w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-39401f8ce322-150x150.png 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba75fc elementor-widget elementor-widget-text-editor\" data-id=\"7ba75fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"structure__item-name\">J\u0113kabs Krievi\u0146\u0161<\/h3>\n<p>\u00a0<\/p>\n<p><strong>Member of the Management Board<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>Financial expert with more than 25 years of experience in the organisation and management of corporate lending, gained working in both the commercial banking and public financial institutions sectors.<\/p>\n<p>\u00a0<\/p>\n<p>Holder of a Master\u2019s degree in Business and Institutional Management from Riga Business School, a Certificate in Banking from BA School of Business and Finance and a Bachelor\u2019s degree in Economics from Latvia University of Agriculture.<\/p>\n<p>\u00a0<\/p>\n<p>Main areas of responsibility: IT and technology development, Altum\u2019s customer and regional service centres, private housing guarantees, oversight of the Latvian Land Fund.<\/p>\n<p>\u00a0<\/p>\n<p>Member of the Board of the European Association of Guarantee Institutions (AECM). Three Seas Initiative Investment Fund S.A. SICAV-RAIF, Member of the Management Board.<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: 27.05.2027.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d9adb3d\" data-id=\"d9adb3d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f392fea elementor-widget elementor-widget-image\" data-id=\"f392fea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-38931f8ce322.png\" class=\"attachment-full size-full wp-image-5957\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-38931f8ce322.png 260w, https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/wide-38931f8ce322-150x150.png 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b016453 elementor-widget elementor-widget-text-editor\" data-id=\"b016453\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"structure__item-name\">Inese Z\u012ble<\/h3>\n<p>\u00a0<\/p>\n<p class=\"structure__item-position\"><strong>Member of the Management Board<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>20 years experience in the financial sector, including more than 15 years managing various departments, as well as experience in the public sector.<\/p>\n<p><br \/>Holder of a Master\u2019s degree in International Economics and Business from the University of Latvia.<\/p>\n<p><br \/>Main areas of responsibility: development and implementation of Altum\u2019s state support programmes, energy efficiency in residential buildings, corporate client services, marketing and public relations.<\/p>\n<p><br \/>Altum\u2019s representative on the Council of the Finance Latvia Association. Member of the Supervisory Board of JSC Sadales t\u012bkls.<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: 27.05.2027.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-221dc29 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"221dc29\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2c98579\" data-id=\"2c98579\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2f96e2 elementor-widget elementor-widget-text-editor\" data-id=\"b2f96e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/06\/Valdes-reglaments_3.versija_16052023_ENG.pdf\" target=\"_blank\" rel=\"noopener\">Regulations of Management Board<\/a><\/li>\n<li><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/09\/Remuneration-Policy-of-management-Board.pdf\" target=\"_blank\" rel=\"noopener\">Remuneration policy of the Supervisory Board<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7bae9ae\" data-id=\"7bae9ae\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b432ec elementor-widget elementor-widget-text-editor\" data-id=\"3b432ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>ALTUM committees<\/h2>\n<p>\u00a0<\/p>\n<p>The committees of Altum have been established by decision of the Management Board of ALTUM and their primary tasks, rights and responsibilities, operational principles as well as rights and obligations of the members of committees are outlined in the committee regulations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-143647a elementor-widget elementor-widget-altum-button\" data-id=\"143647a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btnlblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Komitejas_ENG.pdf\" >more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96e520b elementor-widget elementor-widget-text-editor\" data-id=\"96e520b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 tabindex=\"0\">Audit Committee<\/h2>\n<p>\u00a0<\/p>\n<p>Since 1st of December 2017, Altum has an <strong>Audit Committee;<\/strong> among other things, it monitors the effectiveness of the internal control and risk management to the extent it relates to financial reporting and impartiality. The Audit Committee monitors Altum&#8217;s financial reporting process and performs other duties as required by <a href=\"https:\/\/likumi.lv\/ta\/en\/en\/id\/81995\">the Financial Instrument Market Law (in LV)<\/a>. The Audit Committee worked closely with the Internal Audit Division on the audits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-cd0f879 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd0f879\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8511021\" data-id=\"8511021\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90ce53b elementor-widget elementor-widget-text-editor\" data-id=\"90ce53b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"structure__item-name\">Gunta Darkevica<\/h3>\n<p>\u00a0<\/p>\n<div class=\"richtext\">\n<div class=\"richtext__main\">\n<p><strong>Head of the Audit Committee. Sworn auditor<em>.<\/em><\/strong><\/p>\n<p>\u00a0<\/p>\n<p>Longstanding experience with audit related fields. Fellow Member of UK Association of Chartered Certified Accountants (FCCA), Certified Internal Auditor (CIA) of the international Institute of Internal Auditors, Member of the Latvian Tax Consultants Association, certified tax consultant.<\/p>\n<p>\u00a0<\/p>\n<p>Obtained social sciences master\u2019s degree in management science at the University of Latvia.<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: 18.12.2028.<\/p>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d686d08\" data-id=\"d686d08\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef7069e elementor-widget elementor-widget-text-editor\" data-id=\"ef7069e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Nils Sakss<\/h3>\n<p>\u00a0<\/p>\n<p><strong>Member of the Audit Committee.<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>Fiscal Policy Department director at the Ministry of Finance.<\/p>\n<p>\u00a0<\/p>\n<p>Prior to that, he worked as an expert in Ukraine, Croatia, Hungary, Libya and Slovenia, served as the director of the secretariat of the Education Innovation Fund and Society Integration Fund, director of the Strategic Planning Department and the European Integration and International Aid Coordination Department of the Ministry of Education and Science, as well as the Cultural, Education and Science Attach\u00e9 at the Latvian Mission to the EU. Worked as a lecturer at the University of Latvia and was the council chairman of joint-stock company Latvijas Loto.<\/p>\n<p>\u00a0<\/p>\n<p>Holds a master\u2019s degree in physics and economics from the University of Latvia.<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: 18.12.2028.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-59d3f09\" data-id=\"59d3f09\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bbd31d elementor-widget elementor-widget-text-editor\" data-id=\"7bbd31d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Kri\u0161j\u0101nis Znoti\u0146\u0161<\/h3>\n<p>\u00a0<\/p>\n<p><strong>Member of the Audit Committee.<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>15+ years experience in the management and corporate governance working in executive positions in financial sector companies (DNB leasing, Eleving Group Latvia, Wandoo finance, Luminor bank).<\/p>\n<p>\u00a0<\/p>\n<p>Holds Bachelor\u2019s degree from the Banku Augstskola and Master\u2019s degree in business management in international finance and banking from SBS Swiss Business School (Switzerland).<\/p>\n<p>\u00a0<\/p>\n<p>Term of office: 18.12.2028.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-19d64ac elementor-widget elementor-widget-text-editor\" data-id=\"19d64ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/regulation_on_audit_committee.pdf\" target=\"_blank\" rel=\"noopener\">Regulation on Audit Committee<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4fb1b elementor-widget elementor-widget-text-editor\" data-id=\"2d4fb1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Internal audit\u00a0<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80f18d4 elementor-widget elementor-widget-text-editor\" data-id=\"80f18d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <strong>Internal Audit Division<\/strong>, an independent body subordinated to Altum Supervisory Board, monitors Altum\u2019s internal control system and assesses its adequacy and efficiency. The Head of the Internal Audit Division is appointed by a decision of Altum\u2019s shareholders\u2019 meeting.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Objectives of the Internal Audit Department<\/strong><\/p>\n<p>The purpose of the Internal Audit Department is to enhance the value of ALTUM by providing independent and objective evaluations that help the company\u2019s Board of Directors, Management Board, and department heads achieve their strategic and business goals more effectively. The Annual General Meeting approves the Internal Audit Department\u2019s annual work plan, and the department reports its progress to the shareholders&#8217; meeting. The Board oversees how the Management Board ensures the establishment and effective functioning of the internal control system.<\/p>\n<p>\u00a0<\/p>\n<p><strong>Activities<\/strong><\/p>\n<ul style=\"list-style-type: circle;\">\n<li>The Internal Audit Department performs its duties in accordance with applicable regulatory acts, adhering to international standards for the professional practice of internal auditing, and in compliance with ALTUM\u2019s internal regulations.<\/li>\n<li>At least once a year, the Internal Audit Department prepares and submits a report to the shareholders&#8217; meeting on the audits conducted, highlighting the main issues and deficiencies discovered, assessing the effectiveness of the internal control system, and providing recommendations for improving the functioning of the internal control system.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-0542c3f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0542c3f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-71b6b05\" data-id=\"71b6b05\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57de8e3 elementor-widget elementor-widget-image\" data-id=\"57de8e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/elementor\/thumbs\/20250402_074835-e1743669900667-r3t2ryqne4eezjmdz7v766m4b0zllk7i8gaj5zhg6g.jpg\" title=\"20250402_074835\" alt=\"20250402_074835\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-422d829 elementor-widget elementor-widget-text-editor\" data-id=\"422d829\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>Ingita Sapunova<\/b><\/h3>\n<p>\u00a0<\/p>\n<p><strong>Head of Internal Audit Division<\/strong><\/p>\n<p>\u00a0<\/p>\n<p>20 years experience in internal audit, including 15 years leading an internal audit function in the public administration sector, and holds a Certificate as a Public Internal Auditor.<\/p>\n<p>\u00a0<\/p>\n<p>Holder of a Master&#8217;s degree in Social Sciences and Public Management from the University of Latvia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3a3f200\" data-id=\"3a3f200\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3a35663\" data-id=\"3a35663\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1e0cba elementor-widget elementor-widget-text-editor\" data-id=\"a1e0cba\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"dokumenti1\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Regulatory framework<\/h2>\n<p><strong><a href=\"https:\/\/likumi.lv\/ta\/en\/en\/id\/269907\">Law on Governance of Capital Shares of Public Entity and Management of Capital Companies Thereof<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/likumi.lv\/ta\/en\/en\/id\/5490\">Commercial Law<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/likumi.lv\/ta\/en\/en\/id\/270323\">Law on Development Finance Institution<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/likumi.lv\/ta\/en\/en\/id\/81995\">Financial Instrument Market Law<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX%3A32014R0537\">Regulation (EU) No 537\/2014<\/a> of the European Parliament and of the Council of 16 April 2014 on specific requirements regarding statutory audit of public-interest entities<\/strong><\/p>\n<p><strong><a href=\"https:\/\/likumi.lv\/ta\/id\/278499-noteikumi-par-akciju-sabiedribas-attistibas-finansu-institucija-altum-konsultativo-padomi\">On the advisory council of the joint-stock company &#8220;Development financial institution Altum&#8221;<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.tm.gov.lv\/sites\/tm\/files\/media_file\/korporativas-parvaldibas-kodekss_0.pdf\">Corporate governance code<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/12\/ALTUM-statuti_Eng.pdf\">Articles of Association<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6e29c elementor-widget elementor-widget-text-editor\" data-id=\"3d6e29c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"zinojums\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Corporate governance report<\/h2>\n<p>\u00a0<\/p>\n<p>The Corporate Governance Report is prepared in accordance with the requirements of Article 56(2)(3) of the <a href=\"https:\/\/likumi.lv\/ta\/en\/en\/id\/81995\">Financial Instrument Market Law<\/a> and based on the good corporate governance recommendations for capital companies in Latvia <a href=\"https:\/\/www.tm.gov.lv\/en\/media\/7428\/download?attachment\">Corporate Governance Code<\/a> (January 2021) (hereinafter \u2013 the Code) developed by the <a href=\"https:\/\/www.tm.gov.lv\/en\/corporate-governance-code?utm_source=https%3A%2F%2Fwww.google.com%2F\">Corporate Governance Advisory Council<\/a>. The recommendations were developed taking into consideration the requirements for companies provided in the legislation of the Republic of Latvia as well as corporate governance recommendations of the Organization for Economic Co-operation and Development. Besides, the Corporate Governance Report covers environmental, social and corporate governance (hereinafter \u2013 ESG) considerations based on <a href=\"https:\/\/www.nasdaq.com\/ESG-Guide\">the Nasdaq ESG Reporting Guide 2.0<\/a> (May 2019).<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83b6705 elementor-widget elementor-widget-altum-single-document\" data-id=\"83b6705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-single-document.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t\t<div class=\"altum__singleDocument\">\n\t\t\t\t\t<a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/Altum_CorporateGovernanceReport_2024_ENG.pdf\" target=\"_blank\" class=\"dokumentiPdf__link\">\n\t\t\t\t\t\t<div class=\"dokumentiPdf__icon\">\n\t\t\t\t\t\t\tPDF\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<p class=\"dokumentiPdf__p\">ALTUM Corporate Governance Report 2024<\/p>\n\t\t\t\t\t\t<div class=\"dokumentiPdf__iconWrap\">\n\t\t\t\t\t\t\t<svg width=\"20\" height=\"23\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M10 1v16M1 22h18M6 13.5l4 4 4-4\" stroke=\"#000\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da7b6e1 elementor-widget elementor-widget-text-editor\" data-id=\"da7b6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Corporate governance report is a part of audited <a href=\"https:\/\/www.nasdaqbaltic.com\/market\/upload\/reports\/altm\/2023_ar_en_eur_00_ias.pdf\">Annual Report<\/a>.\u00a0<\/p>\n<p>\u00a0<\/p>\n<p><strong>Previous reports available in the following links:\u00a0<\/strong><\/p>\n<ul>\n<li aria-level=\"1\"><strong><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/04\/Altum_CG_2022_ENG.pdf\">Corporate Governance Report 2023<\/a><\/strong><\/li>\n<li aria-level=\"1\"><strong><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/04\/Altum_CG_2022_ENG_290323_.pdf\"><strong>Corporate<\/strong> Governance Report 2022<\/a><\/strong><\/li>\n<li aria-level=\"1\"><strong><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/altum_cg_2021_eng.pdf\">Corporate Governance Report 2021<\/a><\/strong><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9deaa0d elementor-widget elementor-widget-text-editor\" data-id=\"9deaa0d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"risku_vadiba\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Risk management<\/h2>\n<p>Risk management aims to identify, assess, manage and control potential events and situations to provide assurance that the strategic objectives of the business are achieved.<\/p>\n<p>\u00a0<\/p>\n<p>Altum has a risk management framework, taking into account the Company size, structure and operational specificities as well as the limited capacity to manage individual risks. Altum manages risks affecting its operations in accordance with the Company approved internal regulations for risk management, which describe and define the measures used to manage risks inherent in its operations.<\/p>\n<p>\u00a0<\/p>\n<p>The following are the major risk management principles adhered to:<\/p>\n<ul>\n<li>risk management is part of day-to-day functions;<\/li>\n<li>Altum identifies and assesses potential risks before introducing new products or services;<\/li>\n<li>while assuming risks, Altum maintains its long-term capacity to meet its objectives and targets;<\/li>\n<li>Altum does not engage in transactions, activities, etc., which create risks that threaten the stability of its business or which may significantly harm its reputation.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>Altum uses various risk analysis methods and tools to manage its risks, and sets risk limits and restrictions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72c747e elementor-widget elementor-widget-altum-button\" data-id=\"72c747e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btnlblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/en\/risk-management\/\" >more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d105e2a elementor-widget elementor-widget-text-editor\" data-id=\"d105e2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>ESG Risk Management\u00a0<\/h2>\n<p>\u00a0<\/p>\n<p>In 2023 the methodology for analyses of materiality of ESG risks upon Altum was developed and the materiality assessment of ESG risks upon Altum was carried out. The materiality assessment of ESG risks primary represents the risks that might impact the Altum\u2019s credit exposure portfolio (loan portfolio, collateral portfolio and guarantee portfolio) triggered by its customers\u2019 business operations industry, financed project\u2019s industry and geographical location of the client or the financed project. Within materiality analyses of ESG risks Altum credit exposure portfolio per loan, collateral and guarantee portfolios of the SME \/ Midcaps and Agriculture segments towards climate risks &#8211; transition risks and various physical climate was assessed. In light of the amortisation structure of Altum loan portfolio the climate risks are assessed in the following time scale \u2013 (i) until the year 2025, (ii) 2026 \u2013 2040, (iii) behind the year 2040.<\/p>\n<p>\u00a0<\/p>\n<h4>Transition Risk<\/h4>\n<p>\u00a0<\/p>\n<p>The Transition risks substantially impact the economic activities of the companies with further direct effect upon Altum by the companies\u2019 debt service capacity or maintenance the market value of the collateral. Transition risks might be directly or indirectly invented by transition process of the customers towards low carbon emission and more sustainable economy. The transition risk might increase, for example, if it arises from new climate and environment regulatory requirements, such as a reduction in emissions of GHG or competitors\u2019 technology progress or change of behaviour of the market and customers and is significantly depending on the customer\u2019s capacity to bear the necessary investment costs of transition project and its timely realisation.<\/p>\n<p>\u00a0<\/p>\n<p>The methodology for analyses of ESG risks\u2019 materiality for assessment of Transition risks is based on ECB guidance, ECB climate risk stress test reports and UNEP FI methodology strongly rooted in the Recommendations of the Task force on Climate-related Financial Disclosures (TCFD). Following the said methodology the transition risk level of each project is assessed at segment\/sector bases (NACE code, 4 digit) in scale of five risk levels Low \u2013 Very High.<\/p>\n<p>\u00a0<\/p>\n<p><span style=\"text-decoration: underline;\"><span lang=\"EN-GB\">Transition risk heatmap &#8211; high and very high transition risk exposure in individual economic sectors as at period-end\u00a0<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5597b elementor-widget elementor-widget-image\" data-id=\"db5597b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"236\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/Heatmap-2024-ENG.png\" class=\"attachment-large size-large wp-image-51046\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/Heatmap-2024-ENG.png 957w, https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/Heatmap-2024-ENG-300x111.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/04\/Heatmap-2024-ENG-768x283.png 768w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1396378 elementor-widget elementor-widget-text-editor\" data-id=\"1396378\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 12px;\">*Total credit exposure: gross credit portfolio and loan commitments<\/span><\/p>\n<p>\u00a0<\/p>\n<p>More information\u00a0 on physical climate and transition risk management available in audited\u00a0<a href=\"https:\/\/www.nasdaqbaltic.com\/market\/upload\/reports\/altm\/2024_ar_en_eur_00_ias.pdf\" target=\"_blank\" rel=\"noopener\">\u00a0Annual report 202<\/a>4, risk management note, section (9). \u201cESG risk management\u201d (page 68-69).\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d9cb5 elementor-widget elementor-widget-text-editor\" data-id=\"63d9cb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 tabindex=\"0\">Internal governance documents<\/h2>\n<p><strong><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/11\/Corporative-governance-principles.pdf\" target=\"_blank\" rel=\"noopener\">Corporate governance principles<\/a>\u00a0<\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.altum.lv\/en\/about-altum\/principles-of-fair-commercial-practices\/\" target=\"_blank\" rel=\"noopener\">Fair commercial practice principles<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.altum.lv\/en\/guidelines-for-corruption-and-bribery-risk-prevention\/\" target=\"_blank\" rel=\"noopener\">Anti-Corruption guidelines<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.altum.lv\/en\/about-altum\/guidelines-for-preventing-conflict-of-interests\/\" target=\"_blank\" rel=\"noopener\">Guidelines for preventing conflict of interests<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/05\/guidelines_of_code_of_ethics.pdf\" target=\"_blank\" rel=\"noopener\">Code of Ethics guidelines<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.altum.lv\/en\/about-altum\/guidelines-on-diversity-equality-and-inclusion-policies\/\" target=\"_blank\" rel=\"noopener\">Diversity, equality and inclusion policy<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.altum.lv\/en\/raising-an-alarm\/\" target=\"_blank\" rel=\"noopener\">Whistleblowing policy<\/a><\/strong><\/p>\n<p><a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/09\/ALTUM-piegadataju-ricibas-kodekss-ENG.pdf\"><strong>Supplier code of conduct<\/strong><\/a><\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"altum__anchor-menu\"><div class=\"anchor__container\"><a data-anchor=\"#ilgtspejas_parvaldibas_modelis\">Sustainability governance chart<\/a><a data-anchor=\"#co2_peda\">CO\u2082 footprint<\/a><\/div>\t<\/div>\t\t<section class=\"elementor-section elementor-top-section headerTab elementor-element elementor-element-c152544 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c152544\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-436e5c7\" data-id=\"436e5c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f391756 elementor-widget elementor-widget-altum-post-quote-block\" data-id=\"f391756\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-post-quote-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"quote mt35\">\n                <p class=\"quote__p\">\n                    <p style=\"text-align: left;\">Publication date 01.06.2024<\/p>\n                <\/p>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5078e3 elementor-widget elementor-widget-image\" data-id=\"a5078e3\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"ilgtspejas_parvaldibas_modelis\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/elementor\/thumbs\/ESG-chart_v3-01-qoz1paojkoqyyq3nnhhymubhw2z0bwqwl8zgstctru.webp\" title=\"ESG chart_v3-01\" alt=\"ESG chart_v3-01\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-4f1ce16 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f1ce16\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-36660f3\" data-id=\"36660f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c763c1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0c763c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #00b5cc;\">Supervisory Board<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ef7293d\" data-id=\"ef7293d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f50371d elementor-widget elementor-widget-text-editor\" data-id=\"f50371d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Approves ESG strategy. Monitors the level of risk (incl. ESG risks) to which ALTUM is exposed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f256d91 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f256d91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-4f18cba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f18cba\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-09a8eba\" data-id=\"09a8eba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1b6d12 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d1b6d12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #00b5cc;\">Management Board, CEO<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-901b329\" data-id=\"901b329\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e4d407 elementor-widget elementor-widget-text-editor\" data-id=\"7e4d407\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Decides on sustainability strategy, sets ESG objectives and adopts guidances. Execution of ESG strategy. Approves ESG risks assessment, incl. key ESG risk indicators.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-55badb3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"55badb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-d15c878 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d15c878\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-95ffca1\" data-id=\"95ffca1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84a75b8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"84a75b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #00b5cc;\">Chief Risk Officer \/ Risk Committee<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c14301a\" data-id=\"c14301a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0abe4c9 elementor-widget elementor-widget-text-editor\" data-id=\"0abe4c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ensuring implementation of ESG risks in the Risk Management Framework and regular monitoring and reporting to the Management Board and Supervisory Board on management of ESG risks encountered by ALTUM.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-55c9eb4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"55c9eb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-769cdc6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"769cdc6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9525c14\" data-id=\"9525c14\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc29925 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cc29925\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #00b5cc;\">Sustainability Office \/ CSO<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-45ac223\" data-id=\"45ac223\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c5aafe9 elementor-widget elementor-widget-text-editor\" data-id=\"c5aafe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Has the Task of co-ordinating, supporting and acting as driving force behind sustainability work. Develop ESG Policy and ESG Risk Policy. Developing and monitoring ESG strategic targets and KPI&#8217;s.<\/p>\n<p><br \/>ESG risk management: Leads integration of ESG aspects in Credit risk management processes on loan origination and decision making processes, portfolio monitoring, collaterals as well as on investments through their life cycle. ESG Risk policy \/ assessment methodologies \/ tools development and update. Climate physical risks and Transitional risks assessment at portfolio level. Monitor and ensure compliance with external ESG Framework.<\/p>\n<p><br \/>Sustainable finance: Develops sustainable financing mandate. Coordinates new product development, portfolio tagging.<br \/>ESG reporting: Design and leads ESG reporting\/disclosure process on ALTUM own operations, ALTUM portfolio, AIF AKF portfolio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-be736da elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"be736da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-6f355fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f355fa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-21134d9\" data-id=\"21134d9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b8adca elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1b8adca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #00b5cc;\">Risk Management Office<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0efd8a6\" data-id=\"0efd8a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-335f1c4 elementor-widget elementor-widget-text-editor\" data-id=\"335f1c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Integration of ESG risks in the Risk Management Policy (incl. Risk Appetite Framework), and relevant Risk Strategies. Setting the risk limits for key ESG risk indicators.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c927837 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c927837\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-b50af73 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b50af73\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-24f5f5a\" data-id=\"24f5f5a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47eacba elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"47eacba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #00b5cc;\">Sustainable Finance Task Force<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-def6257\" data-id=\"def6257\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af2cd66 elementor-widget elementor-widget-text-editor\" data-id=\"af2cd66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cross-functional team from different business areas (Product development \/ Sales of sustainable financing products \/ Large corporates \/ Sustainability Office).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da3594 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1da3594\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-b0ecc49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b0ecc49\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c02069\" data-id=\"6c02069\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8549aab elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8549aab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #00b5cc;\">First-line functions<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-83d49ad\" data-id=\"83d49ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c0266f elementor-widget elementor-widget-text-editor\" data-id=\"7c0266f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Climate physical risks and Transitional risk assesment at individual level. Engagement with clients on transition to low carbon economy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1462193 elementor-widget elementor-widget-text-editor\" data-id=\"1462193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>Altum CO<sub>2<\/sub> footprint<\/strong><\/h2>\n<p>\u00a0<\/p>\n<p><span lang=\"EN-GB\">In 2024, the total emissions (Scope 1 and Scope 2) amounted to 69 tCO2e, (2023:\u00a0 89 tCO2e ), representing a decrease of 68% compared to 2018 (216 tCO2e). Compared to 2023, there has been a 22% reduction in scope 1 and scope 2 emissions:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-5c239b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c239b7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-0bb341f\" data-id=\"0bb341f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5aa3249 elementor-widget elementor-widget-image\" data-id=\"5aa3249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"153\" height=\"153\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/12\/Scope1-icon.png\" class=\"attachment-full size-full wp-image-36083\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/12\/Scope1-icon.png 153w, https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/12\/Scope1-icon-150x150.png 150w\" sizes=\"(max-width: 153px) 100vw, 153px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-c3b0237\" data-id=\"c3b0237\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3b9394 elementor-widget elementor-widget-text-editor\" data-id=\"e3b9394\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">fuel<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eba36c6 elementor-widget elementor-widget-text-editor\" data-id=\"eba36c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">diesel<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0afb53b elementor-widget elementor-widget-text-editor\" data-id=\"0afb53b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Total:<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-8281db7\" data-id=\"8281db7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffc71ed elementor-widget elementor-widget-text-editor\" data-id=\"ffc71ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">24 tCO<\/span><sub><span style=\"font-weight: 400;\">2<\/span><\/sub><span style=\"font-weight: 400;\">e<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-954b61a elementor-widget elementor-widget-text-editor\" data-id=\"954b61a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>0 tCO<sub>2<\/sub>e<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c3f690 elementor-widget elementor-widget-text-editor\" data-id=\"5c3f690\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>24 tCO<\/b><sub><b>2<\/b><\/sub><b>e<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-825ae65\" data-id=\"825ae65\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e7548e elementor-widget elementor-widget-image\" data-id=\"4e7548e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"151\" height=\"151\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/12\/scope-2-icon.png\" class=\"attachment-large size-large wp-image-36081\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-7fcea60\" data-id=\"7fcea60\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e9a0e6 elementor-widget elementor-widget-text-editor\" data-id=\"2e9a0e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">electricity<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-214748b elementor-widget elementor-widget-text-editor\" data-id=\"214748b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">heat<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7df9af elementor-widget elementor-widget-text-editor\" data-id=\"f7df9af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Total:<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-9f17957\" data-id=\"9f17957\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2cd9c2 elementor-widget elementor-widget-text-editor\" data-id=\"d2cd9c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">11 CO<\/span><sub><span style=\"font-weight: 400;\">2<\/span><\/sub><span style=\"font-weight: 400;\">e<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0881c64 elementor-widget elementor-widget-text-editor\" data-id=\"0881c64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">34 tCO<\/span><sub><span style=\"font-weight: 400;\">2<\/span><\/sub><span style=\"font-weight: 400;\">e<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e9f2b0 elementor-widget elementor-widget-text-editor\" data-id=\"3e9f2b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\"><b>45 tCO<\/b><sub><b>2<\/b><\/sub><b>e<\/b><br \/><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5632db elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e5632db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In order to achieve its intention for reduction of GHG emissions, an energy audit of the Company was also carried out in 2018, covering the analyses of natural gas, car fleet and electricity consumption and possible activities to improve energy efficiency. Based on the conclusions and recommendations of the energy audit, Altum annually implements targeted activities to increase the Company&#8217;s energy efficiency: work is underway to improve the energy efficiency of operations and buildings, reduce business travel through remote meetings, teleworking and the transition to an energy-efficient car fleet for the company needs. Special emphasis is placed on educating employees, encouraging a change in their attitudes and increasing their commitment to reducing their individual environmental impact as well.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-cc072a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cc072a9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c00b30f\" data-id=\"c00b30f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d35e77e elementor-widget elementor-widget-image\" data-id=\"d35e77e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2023\/12\/co2-icon.png\" class=\"attachment-large size-large wp-image-36079\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e49d1f6\" data-id=\"e49d1f6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57c9838 elementor-widget elementor-widget-text-editor\" data-id=\"57c9838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Assessment of C<\/strong><strong>O<sub>2<\/sub> emission intensity:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-58e5ab9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58e5ab9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c07c89\" data-id=\"6c07c89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8b2c19 elementor-widget elementor-widget-text-editor\" data-id=\"f8b2c19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In 2024, <strong>emission generated per employee amounted to <\/strong>0.27 tCO2 (2023: 0.42 tCO2), which is 71% less than in 2018 (2018: 0.97 tCO2e).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8d4299c\" data-id=\"8d4299c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b1eb52 elementor-widget elementor-widget-text-editor\" data-id=\"5b1eb52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In 2024, ALTUM <strong>generated 0.05 tCO2 per EUR 1 million of gross financial instrument portfolio<\/strong>, which is 37% less than in 2023 (2023: 0.08 tCO2 emissions per EUR 1 million of financial instrument portfolio). Since 2018, there has been an 87% reduction in emissions (2018: 0.41 tCO2 emissions per EUR 1 million of financial instrument portfolio). Since 2018, ALTUM has not only reduced emissions but also increased the size of its gross credit portfolio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-06c0c25 elementor-widget elementor-widget-text-editor\" data-id=\"06c0c25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The opinion on the greenhouse gas emission volumes was prepared by ALTUM and approved by the technical expert <a href=\"https:\/\/www.tuv-nord.com\/lv\/en\/tuv-nord-baltik\/\">SIA TUV NORD Baltic<\/a> in February 2025.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ac0511 elementor-widget elementor-widget-text-editor\" data-id=\"7ac0511\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Environmental impact actoins<\/h4>\n<p>Altum strives to minimise the amount of waste it produces, segregates waste, provides separate waste bins for batteries (hazardous waste) in offices, promotes recycling and reduces greenhouse gas emissions that are directly linked to Altum activities.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfbf707 elementor-widget elementor-widget-text-editor\" data-id=\"dfbf707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Key actions:<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-18fe420 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18fe420\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-7431532\" data-id=\"7431532\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2349bf elementor-widget elementor-widget-image\" data-id=\"f2349bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_banka-1024x1024.png\" class=\"attachment-large size-large wp-image-38436\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_banka-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_banka-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_banka-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_banka-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_banka-1536x1536.png 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_banka.png 1667w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75d0755 elementor-widget elementor-widget-text-editor\" data-id=\"75d0755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Replacement and upgrading\u00a0 of the heating system in the central office \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-55b48be\" data-id=\"55b48be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-682dd44 elementor-widget elementor-widget-image\" data-id=\"682dd44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_auto-1024x1024.png\" class=\"attachment-large size-large wp-image-38434\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_auto-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_auto-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_auto-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_auto-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_auto-1536x1536.png 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_auto.png 1668w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e49569 elementor-widget elementor-widget-text-editor\" data-id=\"6e49569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Replacement of the car fleet, significantly reducing fuel consumption and CO2 emissions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-122d01a\" data-id=\"122d01a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d29c65c elementor-widget elementor-widget-image\" data-id=\"d29c65c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ideja-1024x1024.png\" class=\"attachment-large size-large wp-image-38484\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ideja-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ideja-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ideja-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ideja-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ideja-1536x1536.png 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ideja.png 1667w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f3ff1b elementor-widget elementor-widget-text-editor\" data-id=\"3f3ff1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">LED lighting installed in offices, as well as motion sensors in certain areas<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-e770284\" data-id=\"e770284\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-004b0c3 elementor-widget elementor-widget-image\" data-id=\"004b0c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_pa\u2560arstra\u2560ade-1024x1024.png\" class=\"attachment-large size-large wp-image-38551\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_pa\u2560arstra\u2560ade-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_pa\u2560arstra\u2560ade-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_pa\u2560arstra\u2560ade-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_pa\u2560arstra\u2560ade-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_pa\u2560arstra\u2560ade.png 1182w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99f2e86 elementor-widget elementor-widget-text-editor\" data-id=\"99f2e86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Waste sorting ensured<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-c4b94af\" data-id=\"c4b94af\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8aa7413 elementor-widget elementor-widget-image\" data-id=\"8aa7413\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_digitalizacija-1024x1024.png\" class=\"attachment-large size-large wp-image-38446\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_digitalizacija-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_digitalizacija-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_digitalizacija-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_digitalizacija-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_digitalizacija-1536x1536.png 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_digitalizacija.png 1668w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7b632a elementor-widget elementor-widget-text-editor\" data-id=\"f7b632a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Digital document management system established<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section altum__default elementor-element elementor-element-d977007 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d977007\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-11a46fe\" data-id=\"11a46fe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75dc317 elementor-widget elementor-widget-image\" data-id=\"75dc317\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ligums-1024x1024.png\" class=\"attachment-large size-large wp-image-38504\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ligums-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ligums-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ligums-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ligums-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ligums-1536x1536.png 1536w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum_ikona_ligums.png 1668w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ea52a1 elementor-widget elementor-widget-text-editor\" data-id=\"6ea52a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Reduced office paper consumption<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-dff7fd8\" data-id=\"dff7fd8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e4c5dd elementor-widget elementor-widget-image\" data-id=\"5e4c5dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_u\u2560adens-1024x1024.png\" class=\"attachment-large size-large wp-image-38549\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_u\u2560adens-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_u\u2560adens-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_u\u2560adens-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_u\u2560adens-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_u\u2560adens.png 1182w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-744135e elementor-widget elementor-widget-text-editor\" data-id=\"744135e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Drinking water filters installed, PET bottles phased out<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-fa10d7a\" data-id=\"fa10d7a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15e7173 elementor-widget elementor-widget-image\" data-id=\"15e7173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_uzkops\u2560iana-eco-1024x1024.png\" class=\"attachment-large size-large wp-image-38547\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_uzkops\u2560iana-eco-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_uzkops\u2560iana-eco-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_uzkops\u2560iana-eco-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_uzkops\u2560iana-eco-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_uzkops\u2560iana-eco.png 1182w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64a7171 elementor-widget elementor-widget-text-editor\" data-id=\"64a7171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">\u00a0Cleaning service ensured, including the use of environmentally friendly products<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-59b36e5\" data-id=\"59b36e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0db80a6 elementor-widget elementor-widget-image\" data-id=\"0db80a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_makulatura-1024x1024.png\" class=\"attachment-large size-large wp-image-38553\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_makulatura-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_makulatura-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_makulatura-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_makulatura-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_makulatura.png 1182w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e67399 elementor-widget elementor-widget-text-editor\" data-id=\"9e67399\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Continuous recycling of waste paper<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-acabc87\" data-id=\"acabc87\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb81bd9 elementor-widget elementor-widget-image\" data-id=\"fb81bd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_velo-1024x1024.png\" class=\"attachment-large size-large wp-image-38545\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_velo-1024x1024.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_velo-300x300.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_velo-150x150.png 150w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_velo-768x768.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/Altum-ikona_velo.png 1182w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e111df6 elementor-widget elementor-widget-text-editor\" data-id=\"e111df6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Bike parking and shower facilities installed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"altum__anchor-menu\"><div class=\"anchor__container\"><a data-anchor=\"#esg_aspekti\">Management of ESG aspects over investment life cycle<\/a><a data-anchor=\"#pai\">PAI Statement<\/a><\/div>\t<\/div>\t\t<section class=\"elementor-section elementor-top-section headerTab elementor-element elementor-element-d1ec667 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1ec667\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d111d7f\" data-id=\"d111d7f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-add36f6 elementor-widget elementor-widget-altum-post-quote-block\" data-id=\"add36f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-post-quote-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"quote mt35\">\n                <p class=\"quote__p\">\n                    <p style=\"text-align: left;\">Publication date 28.12.2022.<\/p>\n                <\/p>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86d5a8c elementor-widget elementor-widget-text-editor\" data-id=\"86d5a8c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"esg_aspekti\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #000080;\">Management of ESG aspects over investment life cycle<\/span><\/h3>\n<h3>\u00a0<\/h3>\n<h3><strong>ESG <\/strong><strong>Declaration<\/strong><\/h3>\n<p>ACF performs investments with due care towards target company\u2019s activities in ESG areas and expected transitional changes of the economy upon target company\u2019s upstream and downstream value chains.<\/p>\n<p>\u00a0<\/p>\n<p>We identify and manage ESG issues at each different stage of the investment life cycle. Assessment of ESG aspects is fully integrated in our investment decision process already at investment proposal stage as well as further at investment monitoring stage.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83b688d elementor-widget elementor-widget-image\" data-id=\"83b688d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/elementor\/thumbs\/28-qkwvc48yz5zfk0jkt9bol9km13h4mg45vba7fc3z6w.png\" title=\"28\" alt=\"28\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdd42c9 elementor-widget elementor-widget-text-editor\" data-id=\"bdd42c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In accordance with the possible classification of funds under the SFDR regulation, the AIF Altum Capital Fund meets the definition of Article 6 of the SFDR regulation as a mainstream fund.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f080e elementor-widget elementor-widget-text-editor\" data-id=\"c9f080e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>ESG Framework<\/strong><\/h3>\n<div><strong>\u00a0<\/strong><\/div>\n<p><span lang=\"EN-GB\">The Fund\u2019s<br \/>investment framework (regulatory Directions of Cabinet of Ministers of Latvia,<br \/>LPA) provides particular mechanisms for investment proposal considering ESG<br \/>aspects. Each investment is performed in accordance with those mechanisms that<br \/>are fully integrated in the Fund\u2019s internal processes and documents (like<br \/>Investment Memorandum).<\/span><\/p>\n<p><span lang=\"EN-GB\">\u00a0<\/span><\/p>\n<h3><span lang=\"EN-GB\">Criteria for Responsible Investments<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5308b7 elementor-widget elementor-widget-image\" data-id=\"f5308b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"277\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/29-768x332.png\" class=\"attachment-medium_large size-medium_large wp-image-40197\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/29-768x332.png 768w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/29-300x130.png 300w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/29-1024x442.png 1024w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/29.png 1532w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea44c8 elementor-widget elementor-widget-text-editor\" data-id=\"7ea44c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Each investment target must meet Preconditions *<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-234cbf5 elementor-widget elementor-widget-altum-icon-text\" data-id=\"234cbf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><em>Exclusion list of industries<\/em><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a6e648 elementor-widget elementor-widget-text-editor\" data-id=\"1a6e648\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211; sale of weapons and ammunition,<\/p>\n<p>&#8211; manufacture and sale of tobacco products,<\/p>\n<p>&#8211; sale of alcohol,<\/p>\n<p>&#8211; gambling and betting activities,<\/p>\n<p>&#8211; financial and insurance activities,<\/p>\n<p>&#8211; activities with real estate,<\/p>\n<p>&#8211; development of real estate (residential properties).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-918cdd5 elementor-widget elementor-widget-altum-icon-text\" data-id=\"918cdd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p><em>Viable business model <\/em><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edb706c elementor-widget elementor-widget-altum-icon-text\" data-id=\"edb706c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/09\/Altum_ikonas_check_500x500px_280722_v01.png\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Investment supports the investment target's activities in line with the European Union objectives and Latvia\u2019s obligations related to the green and digital transformation, including the European Union\u2019s objective of achieving climate neutrality by 2050*<\/p>\n<p><span style=\"font-size: 14px;\">* according to Directions of Cabinet of Ministers of Latvia nr. 458 dtd 14 July 2020<\/span><\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfa1cb6 elementor-widget elementor-widget-text-editor\" data-id=\"cfa1cb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Responsible Investment Criteria Dimensions <\/strong><\/p>\n<p>\u00a0<\/p>\n<p>We define the following list of ESG aspects to be assessed, where applicable, for each portfolio company during investment process and monitored and followed consistently. Key ESG metrics are set and reviewed periodically based on available reliable data.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b306952 elementor-widget elementor-widget-image\" data-id=\"b306952\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"518\" height=\"765\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/tabula-3.png\" class=\"attachment-medium_large size-medium_large wp-image-40203\" alt=\"\" srcset=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/tabula-3.png 518w, https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/03\/tabula-3-203x300.png 203w\" sizes=\"(max-width: 518px) 100vw, 518px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9abdb6 elementor-widget elementor-widget-text-editor\" data-id=\"c9abdb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0<\/h3>\n<p><strong>Instruments for assessment of ESG aspects<\/strong><\/p>\n<p>ACF team has developed instruments for assessment of investment target\u2019s ESG aspects that are integrated in the Fund\u2019s operational documents and internal processes and applied in investment process for each and every investment, as well as in further investment monitoring and divesting stages:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b78bb19 elementor-widget elementor-widget-altum-icon-text\" data-id=\"b78bb19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-494.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>ESG aspects materiality and impact model for new investments: assessment model and outcome included in Investment Memorandum, reviewed on periodic basis during investment monitoring stage (applied as of July 2021);<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1b8697 elementor-widget elementor-widget-altum-icon-text\" data-id=\"c1b8697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-510.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Assessment of target company\u2019s governance principles: performed in addition via Interest rate assessment model and outcome included in Investment Memorandum (applied as of July 2021);<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99f423d elementor-widget elementor-widget-altum-icon-text\" data-id=\"99f423d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-486.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Preconditions set in ESG Framework \u2013 exclusion list of industries, viable business model, supports climate neutrality ambition. \u00a0\u00a0\u00a0\u00a0<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c2cdb elementor-widget elementor-widget-altum-post-quote-block\" data-id=\"f9c2cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-post-quote-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"quote mt35\">\n                <p class=\"quote__p\">\n                    <p style=\"text-align: left;\">Publication date 26.06.2024<\/p>\n                <\/p>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a44e50b elementor-widget elementor-widget-text-editor\" data-id=\"a44e50b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Starting from May 2024, an individual assessment of each investment&#8217;s sustainability (ESG) risks will be conducted using the ESG scoring model developed in 2023. ESG aspects give rise to sustainability (ESG) risks, which can be classified as physical climate risks and transition risks. The occurrence of sustainability (ESG) risks can negatively impact credit risk, asset value, financial and profitability indicators, as well as reputation.<\/p>\n<p>\u00a0<\/p>\n<p>The Transition risks substantially impact the economic activities of the companies with further direct effect upon Altum by the companies\u2019 debt service capacity or maintenance the market value of the collateral. Transition risks might be directly or indirectly invented by transition process of the customers towards low carbon emission and more sustainable economy. The transition risk might increase, for example, if it arises from new climate and environment regulatory requirements, such as a reduction in emissions of GHG or competitors\u2019 technology progress or change of behaviour of the market and customers and is significantly depending on the customer\u2019s capacity to bear the necessary investment costs of transition project and its timely realisation.<\/p>\n<p>\u00a0<\/p>\n<p>Following types of climate physical risks are distinguished &#8211; Heatwaves\/ Droughts, Floods, Heavy Precipitation, Sea level rise and Snowfall changes. The methodology for assessment of climate physical risks is based on ECB guidance and Recommendations of TCFD.<\/p>\n<p>\u00a0<\/p>\n<p>In order to assess the risk level of climate Physical risk, each project is assessed in light of project industry as well as geographical location of the project. Within the analyses of ESG risks materiality there are defined industries labelled as High risk level for climate Physical risk. In assessment of climate Physical risks data on client\u2019s project address (geographical location) and project industry (NACE code) are used. The impact of climate Physical risks upon project industry is assessed taking into consideration the impact of each type of climate Physical risks upon particular industry and followed by SASB Climate Risk Technical Bulletin. The impact of climate Physical risks upon geographical location is assessed by applying the LV\u0122MC Climate Change Analyses Tool and the Flood maps (in GIS format) developed by LV\u0122MC based upon RCP 4.5 scenario described by IPCC (Intergovernmental Panel on Climate Change) as an interim scenario for expected temperature change between 2 \u2013 3 degree Celsius by 2100. Following the said methodology the impact of each climate Physical risk type is assessed upon each and particular project based on its geographical location and project industry within scale of 3 risk levels Low \u2013 High.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23c4eed elementor-widget elementor-widget-altum-post-quote-block\" data-id=\"23c4eed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-post-quote-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"quote mt35\">\n                <p class=\"quote__p\">\n                    <p style=\"text-align: left;\">Publication date 28.12.2022.<\/p>\n                <\/p>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d99e820 elementor-widget elementor-widget-text-editor\" data-id=\"d99e820\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"pai\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #000080;\"><strong>Principal Adverse Impact Statement<\/strong><\/span><\/h3>\n<h3><strong>Scope<\/strong><\/h3>\n<p>This disclosure is applicable to AIF Altum Capital Fund managed by JSC Development Finance Institution ALTUM.<\/p>\n<p>\u00a0<\/p>\n<h3><span style=\"color: #000000;\"><strong>PAI statement<\/strong><\/span><\/h3>\n<p>This disclosure is applicable to AIF Altum Capital Fund managed by JSC Development Finance Institution ALTUM.<\/p>\n<p>\u00a0<\/p>\n<p>The Sustainable Finance Disclosure Regulation (SFDR)<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> defines sustainability factors as environmental, social and employee matters, respect for human rights, anti-corruption and anti-bribery matters. Principal adverse impact is generally understood to mean the negative impact, caused by an investment decision, on these factors.<\/p>\n<p>\u00a0<\/p>\n<p>This statement describes how we consider principal adverse impacts (PAI) of our investment decisions on sustainability factors, as per Article 4 of the SFDR.<\/p>\n<p>\u00a0<\/p>\n<p>This statement applies as of 31 December 2022. It will be reviewed at least annually.<\/p>\n<p>\u00a0<\/p>\n<p><span style=\"font-size: 14px;\"><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> Regulation EU 2019\/2088 of the European Parliament and of the Council of 27 November 2019 on sustainability-related disclosures in the financial services sector.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56453ce elementor-widget elementor-widget-altum-button\" data-id=\"56453ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btnlblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/www.altum.lv\/en\/about-altum\/description-of-principal-adverse-sustainability-impacts\/\" >more information<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-898a4c6 elementor-widget elementor-widget-altum-post-quote-block\" data-id=\"898a4c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-post-quote-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"quote mt35\">\n                <p class=\"quote__p\">\n                    <p style=\"text-align: left;\">Publication date 27.05.2024<\/p>\n                <\/p>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75880ce elementor-widget elementor-widget-altum-single-document\" data-id=\"75880ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-single-document.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t\t<div class=\"altum__singleDocument\">\n\t\t\t\t\t<a href=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/05\/PAI_Report_2023_ENG.pdf\" target=\"_blank\" class=\"dokumentiPdf__link\">\n\t\t\t\t\t\t<div class=\"dokumentiPdf__icon\">\n\t\t\t\t\t\t\tPDF\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<p class=\"dokumentiPdf__p\">Statement of principal adverse impacts on sustainability factors 2023<\/p>\n\t\t\t\t\t\t<div class=\"dokumentiPdf__iconWrap\">\n\t\t\t\t\t\t\t<svg width=\"20\" height=\"23\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M10 1v16M1 22h18M6 13.5l4 4 4-4\" stroke=\"#000\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-434ff2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"434ff2c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c0feea\" data-id=\"9c0feea\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-145a522 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"145a522\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6736296\" data-id=\"6736296\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-454c8c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"454c8c5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eefd7dc\" data-id=\"eefd7dc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-310510a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"310510a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-92cceef\" data-id=\"92cceef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-bfa228b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfa228b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-499f617\" data-id=\"499f617\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-6f74a76 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f74a76\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3132c9e\" data-id=\"3132c9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Altum&#8211; Sustainability and corporate governance Commitments and sustainability strategy Sustainable financeCorporate governance Altum sustainability governanceESG aspect management in AIF ACF Sustainability at ALTUM Sustainability is a key part of ALTUM&#8217;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":10862,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-39140","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sustainability and corporate governance - Altum<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sustainability and corporate governance - Altum\" \/>\n<meta property=\"og:description\" content=\"Altum&#8211; Sustainability and corporate governance Commitments and sustainability strategy Sustainable financeCorporate governance Altum sustainability governanceESG aspect management in AIF ACF Sustainability at ALTUM Sustainability is a key part of ALTUM&#8217;s [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/\" \/>\n<meta property=\"og:site_name\" content=\"Altum\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AltumLV\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T06:25:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@altumlv\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"41 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/\",\"url\":\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/\",\"name\":\"Sustainability and corporate governance - Altum\",\"isPartOf\":{\"@id\":\"https:\/\/www.altum.lv\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png\",\"datePublished\":\"2024-02-05T06:26:55+00:00\",\"dateModified\":\"2026-03-17T06:25:37+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#primaryimage\",\"url\":\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png\",\"contentUrl\":\"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png\",\"width\":1500,\"height\":1500},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"S\u0101kums\",\"item\":\"https:\/\/www.altum.lv\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"About Altum\",\"item\":\"https:\/\/www.altum.lv\/en\/about-altum\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Sustainability and corporate governance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.altum.lv\/en\/#website\",\"url\":\"https:\/\/www.altum.lv\/en\/\",\"name\":\"Altum\",\"description\":\"Finan\u0161u instit\u016bcija ALTUM\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.altum.lv\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sustainability and corporate governance - Altum","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/","og_locale":"en_US","og_type":"article","og_title":"Sustainability and corporate governance - Altum","og_description":"Altum&#8211; Sustainability and corporate governance Commitments and sustainability strategy Sustainable financeCorporate governance Altum sustainability governanceESG aspect management in AIF ACF Sustainability at ALTUM Sustainability is a key part of ALTUM&#8217;s [&hellip;]","og_url":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/","og_site_name":"Altum","article_publisher":"https:\/\/www.facebook.com\/AltumLV","article_modified_time":"2026-03-17T06:25:37+00:00","og_image":[{"url":"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png"}],"twitter_card":"summary_large_image","twitter_site":"@altumlv","twitter_misc":{"Est. reading time":"41 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/","url":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/","name":"Sustainability and corporate governance - Altum","isPartOf":{"@id":"https:\/\/www.altum.lv\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#primaryimage"},"image":{"@id":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png","datePublished":"2024-02-05T06:26:55+00:00","dateModified":"2026-03-17T06:25:37+00:00","breadcrumb":{"@id":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#primaryimage","url":"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png","contentUrl":"https:\/\/www.altum.lv\/wp-content\/uploads\/2024\/02\/E-WEB-Goal-07.png","width":1500,"height":1500},{"@type":"BreadcrumbList","@id":"https:\/\/www.altum.lv\/en\/about-altum\/sustainability-and-corporate-governance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"S\u0101kums","item":"https:\/\/www.altum.lv\/en\/"},{"@type":"ListItem","position":2,"name":"About Altum","item":"https:\/\/www.altum.lv\/en\/about-altum\/"},{"@type":"ListItem","position":3,"name":"Sustainability and corporate governance"}]},{"@type":"WebSite","@id":"https:\/\/www.altum.lv\/en\/#website","url":"https:\/\/www.altum.lv\/en\/","name":"Altum","description":"Finan\u0161u instit\u016bcija ALTUM","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.altum.lv\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/39140"}],"collection":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/comments?post=39140"}],"version-history":[{"count":442,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/39140\/revisions"}],"predecessor-version":[{"id":65117,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/39140\/revisions\/65117"}],"up":[{"embeddable":true,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/10862"}],"wp:attachment":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/media?parent=39140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}