For most banks,environmental issues are only one leg of the stool. Social and governance initiatives are receiving as much or more attention. In emerging markets, for exam-ple,many banks are focused on social issues such as poverty and financial inclusion for those with limited or no access to financial services. Consumers and regulators in many Western markets are looking for demonstrable progress on diversity, equity, and inclusion (DEI) in areas such as hiring and lending. Privacy and data-security wor-ries put social and governance issues high on board-level agendas. Regulators continue to underscore the impor-tance of vigilant compliance,anti-money laundering,and know your customer policies and procedures.
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