Ponce Bank Impact Report 2024

Environmental Responsibility

Ponce Bank continually looks for ways to improve efficiency in ways that also reduce negative environmental impact . In 2024 the Bank installed new , more efficient water filtration systems that also reduce branch operating expenses .

Additionally , in 2024 we were able to increase our Energy Star Rating of our Headquarters from a D to a C . Ponce Bank is committed to continuing to improve environmental outcomes while also decreasing operating expenses , so more resources are freed to help the communities we serve .

United Nations Sustainable Development Goals

Ponce Bank Financial Mastery programs offer life-long learning opportunities to all ages on a variety of topics related to money, banking, and business. By financing developments in affordable housing and commercial developments, Ponce is supporting the infrastructure of our neighborhoods today and in the future.

We provide all of our employees with a living-wage and respectful work environment and support our local businesses so they can do the same. Since our founding Ponce Bank has worked directly with our community to redress historic systemic unequal access to financial products and services.

SOCIAL IMPACT Ponce Bank is committed to create a work environment where all are welcome regardless of race, color, religion, gender, sexual orientation, gender identity, national origin, age, genetic information, marital status, amnesty, disability, veteran status, and medical condition or diagnosis. Ponce Bank has created a workplace culture of respect and collaboration that supports our employees. Our employees carry that respect into every interaction with our customers and community.

Minority Bank executives and senior level managers 53%

Female Bank executives and senior level managers 40%

Percent of staff identifying as Minority 86%

GOVERNANCE Leadership at Ponce Bank is “De la Comunidad” bringing unique and varied perspectives into Ponce Bank

75% of our Board Directors are 1st or of 2nd generation immigrants.

75% of the Board is independent*

PONCE received Rating of OUTSTANDING Community Reinvestment Act Performance (CRA) from Office of the Comptroller of the Currency (OCC)

* the majority of board members are required to be independent

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