Sustainable Development & ESG

ACF’s unwavering commitment to sustainable development and responsible investment is a cornerstone of our operations. We meticulously consider the impact of our activities on the environment and society, always striving to balance the interests of our stakeholders.

Supporting the UN Sustainable Development Goals

ACF fully recognizes the importance of, and expresses its commitment to, the 17 UN Sustainable Development Goals. ACF has identified 5 priority SDGs to which the company is committed to making the greatest contribution.

ACF Activity Principles

  1. Economic Value Creation.
  2. Respect for Human Rights, Fair, and Equal Attitude to All.
  3. Careful Attitude to the Environment.
  4. Ethics.
  5. Openness and Transparency.

ACF Sustainable Development Directions

  1. Responsible financing.
  2. Creating a favorable working environment and realizing the employees’ potential.
  3. Community support.
  4. Environmental protection.
  5. Corporate sustainability management.

ESG — environmental, social and governance


ACF is respectful of the environment.

  • Organization of separate waste collection in the Head Office.
  • Implementation of ESG criteria in lending activities.
  • Calculation of the company’s ecological footprint.


ACF observes high social responsibility.

  • Observance of gender equality and non-discrimination towards employees and clients.
  • Compliance with the principles of customer protection.
  • Ensuring accessibility of financial services to the rural population.
  • Ethical business conduct and corporate solid culture.
  • Conducting charitable projects.

Corporate governance

ACF complies with the principles of excellence in corporate governance.

  • Transparency of corporate governance and business.
  • Publication of annual and audited reports on the company’s website.
  • Maintaining high standards of corporate governance and business ethics.
  • Independence of the Supervisory Board’s oversight function.
  • Presence of 6 independent members of the Supervisory Board out of 7.
  • Audit Committee and Internal Audit Department at the level of the Supervisory Board.
  • Ensuring information security and protection of client data.