Climate Change Data

Environmental Metrics

ESG Focus Areas

• Sustainable economy
• Sustainable services product development
• Environmental impact
• Sustainable workplace

Environmental Achievements

• Decreased CO2 emissions by 87.5% during 2019-2021

Social Achievements

• Educated over 1100 young adults in private finances
• Customer operations helped and educated over 15,000 people monthly in credit reports and private finances
• Reached a Nordic Trust index of 79% in employee survey
• Maintained Great Place to Work certification

Governance Achievements

• Added Sweden to ISO 9001:2015 certificate for quality management system

Climate Goals & Targets

Environmental Challenges

• Demand for risk management services did not grow as expected due to government support during the pandemic
• Pandemic-related restrictions required measures to maintain business operations and health security

Mitigation Strategies

• Implemented various measures to promote health security among personnel and customers
• Successfully adapted to organizational changes while maintaining service quality

Supply Chain Management

Climate-Related Risks & Opportunities

Sustainable Products & Innovation

• ESG Report service
• ESG Check

Environmental Metrics

ESG Focus Areas

• Sustainable Economy
• Sustainable Services
• Environmental Responsibility
• Sustainable Workplace

Environmental Achievements

• 74% decrease in carbon emissions compared to the 2019 baseline year.

Social Achievements

• Launched sustainability data services in the Swedish market.
• Provided one extra free day for employee well-being.
• Educated more than 600 young adults in financial literacy.
• Customer operations supported and educated more than 240,000 people about credit reports and private finances.

Governance Achievements

• Maintained a Nordic Trust Index of 75% in the employee survey.
• Retained Great Place To Work certification.
• No confirmed incidents of corruption.

Climate Goals & Targets

Environmental Challenges

• Increase in emissions from 2021 due to post-pandemic effects and return to office.
• Significant increase of contacts to customer service due to changes in the credit information act in Finland.

Mitigation Strategies

• Continued work to further decrease emissions from travel and commuting by implementing a hybrid working model and updated travel policy.
• Developed tutorials and video material to proactively answer consumer questions regarding changes in the credit information act.

Supply Chain Management

Responsible Procurement

• Code of Conduct for suppliers

Climate-Related Risks & Opportunities

Physical Risks

• Damage to properties and buildings caused by climate change

Reporting Standards

Frameworks Used: GRI Standards

Certifications: ISO 9001

UN Sustainable Development Goals

• SDG 5: Gender equality
• SDG 8: Decent work and economic growth
• SDG 12: Responsible consumption and production
• SDG 13: Climate action

Enento's sustainability strategy and actions support these SDGs through various initiatives.

Sustainable Products & Innovation

• ESG Report
• ESG Check service
• ESG Service
• Climate risk data service for housing evaluation

Awards & Recognition

• Great Place to Work certification

Environmental Metrics

ESG Focus Areas

• Sustainability

Social Achievements

• Launched first ESG report in Sweden in March 2022.

Climate Goals & Targets

Environmental Challenges

• General macroeconomic risks increasing due to the war in Ukraine and continued uncertainty from the pandemic.
• Volatility of Swedish Krona causing uncertainty in relation to growth outlook.
• Platform transformation-related costs impacting results.
• War in Ukraine may negatively impact macroeconomic development in the Nordics, indirectly impacting demand for services.
• Low demand for risk management services in Finland.

Mitigation Strategies

• Proactive cost adaptation measures and contingency plans to manage pandemic-related risks.
• Managing exchange rate risk by operational means and financing business operations outside Finland in local currency.
• Continued investment in platform development to operate and develop services more efficiently.

Supply Chain Management

Climate-Related Risks & Opportunities