Bread Financial 2021 ESG Report

Our 2021 ESG Report is the culmination of our multi-year business transformation and commences our refreshed ESG strategic framework that integrates into Bread Financial’s business strategy in ways that optimize opportunities to make positive environmental, social and governance impacts.

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Sustainable Finance & Socially Responsible Investment

Bread Financial 2021 ESG Report: Fair & Responsible Banking
As a leading provider of branded credit programs, fair and responsible lending is core to our cardmembers’ journey. We take great care and consideration to ensure our consumer credit application and underwriting processes are administered equitably.

Environment

Bread Financial 2021 ESG Report: Our ESG Strategy
The purpose of these efforts was to develop a Board-approved ESG strategy to serve as the roadmap for our forwardlooking policies, practices and performance.

Responsible Business & Employee Engagement

Bread Financial 2021 ESG Report: Ethics & Integrity
Integrity, ethical decision-making and compliance with all applicable laws and regulations governing our business drive our global growth and long-term success.

Research, Reports & Publications

Bread Financial 2021 ESG Report: A Message From Dana Beckman
"I am honored to lead the ongoing advancement of our ESG strategy and objectives, driving responsibility and accountability throughout our organization."

Sustainable Development Goals

Bread Financial 2021 ESG Report: A Message From CEO Ralph Andretta
As part of our broader transformation efforts, Bread Financial is redefining who we are and what we stand for as a purpose-driven financial services company.

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