Climate Change Data

Environmental Metrics

ESG Focus Areas

• Climate Change
• Sustainable Lending
• Sustainable Investments
• Employee Well-being
• Social Commitment
• Governance

Environmental Achievements

• Reduced CO2 footprint per employee from 7,160 t in 2019 to 3,367 t in 2021 (target <1 tonne by 2025)
• Procurement of green electricity in Austria, Germany, and Czech Republic
• Issued first green covered bonds in Austria (EUR 250 million)

Social Achievements

• Opened Kinkis Nest, a childcare facility at headquarters
• High employee satisfaction (NPS 65.1%)
• 92% of managers promoted from within
• Increased sustainable large-scale project lending (EUR 72.2 million in 2020 to EUR 113.3 million in 2021)
• Increased applications for subsidized environmental projects by over 50%

Governance Achievements

• Awarded PRIME status by ISS ESG for sustainability activities and management (top 10% of banks)
• Commitment to Austrian Code of Corporate Governance (ÖCGK)
• Code of conduct for employees and suppliers
• Dedicated whistleblowing tool
• Commitment to integrity in tax matters
• ISO/IEC 27001:2013 certification for 3 Banken IT GmbH (information security)

Climate Goals & Targets

Environmental Challenges

• Decarbonization of loan portfolio

Mitigation Strategies

• Joined PCAF (Partnership for Carbon Accounting Financials) to develop a roadmap for decarbonization
• Will disclose CO2 emissions generated by portfolio and take further steps based on the results
• Developing a roadmap in accordance with national and European regulatory requirements

Supply Chain Management

Responsible Procurement

• Sustainable procurement – taking into account environmental impacts when selecting suppliers

Climate-Related Risks & Opportunities

Physical Risks

• Extreme weather events

Transition Risks

• Policy changes (e.g., CO2 levies)
• Technology changes (e.g., e-mobility)

Reporting Standards

Frameworks Used: UN Global Compact, EU Taxonomy

Certifications: ISO/IEC 27001:2013 (3 Banken IT GmbH)

Sustainable Products & Innovation

• be(e) green checking accounts and be green savings accounts
• Sustainable investment products

Awards & Recognition

• ISS ESG Prime sustainability rating

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance

Environmental Achievements

• Climate neutrality of own operations (Scope 1 & 2) by 2025 (target)
• CO2 footprint per employee reduced from 1.14 tCO2 in 2022 to 1.04 tCO2 in 2023

Social Achievements

• One of the oldest employee participation schemes in Austria
• 95% of sponsoring budget goes to regional markets
• High customer satisfaction rating (NPS > 60)

Governance Achievements

• Implementation of an in-house sustainability organization
• High-quality training courses for all employees
• Proactive stakeholder dialogue

Climate Goals & Targets

Environmental Challenges

• Decarbonizing the credit portfolio

Mitigation Strategies

• First disclosure of portfolio's CO2 emissions (PCAF methodology)
• Development of a roadmap to decarbonize the credit portfolio
• Commitment to set science-based targets with the Science Based Targets initiative

Supply Chain Management

Responsible Procurement

• Procurement primarily from the region

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: UN Global Compact

Environmental Metrics

ESG Focus Areas

• Climate Change
• Sustainable Lending
• Sustainable Investments
• Employee Development
• Customer Satisfaction
• Environmental Footprint

Environmental Achievements

• Aiming for climate neutrality by 2025
• Lowering carbon footprint per employee to less than 1 ton p.a. by 2025

Social Achievements

• Filling 80% of management positions from within by 2025
• 30% women in management positions by 2025
• High degree of customer satisfaction maintained
• Awarded various awards including Top Company, Best Workplace, Family-friendly Employer, and Leading Employer

Governance Achievements

• Clear sustainability strategy implemented
• Issuance of green and social bonds
• Commitment to the Paris Climate Agreement’s 1.5°C goal
• Top 10% of 277 rated institutions by ISS ESG

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Austrian Ecolabel for Sustainable Finance

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Top Wealth Management in Germany
• Certified Employer
• Top Company
• Best Workplace
• Family-friendly Employer
• Leading Employer
• Quality Label Workplace Health Promotion
• Austrian Ecolabel for Sustainable Finance
• 1st Place Recommender Award
• A rating by Standard & Poor's

Environmental Metrics

ESG Focus Areas

• Governance
• Customer Satisfaction
• Sustainable Lending
• Employee Development
• Environmental Sustainability

Environmental Achievements

• Achieved PRIME Status by ISS ESG, ranking among the top 10 "Financials/Public & Regional Banks" worldwide. Transparency Level: VERY HIGH (80-100%)
• MSCI ESG Rating of "A"
• Austrian Ecolabel for Sustainable Finance awarded to several green banking products.

Social Achievements

• Certified Employer
• Gütesiegel Betriebliche Gesundheitsförderung (seal of quality for corporate health promotion)
• Family-friendly Employer
• Leading Employer
• equalitA (seal of quality for internal women's promotion)
• Top Company
• First place Recommender Award for high customer recommendation readiness.

Governance Achievements

• Commitment to the Paris Climate Agreement’s 1.5 °C goal
• Clear sustainability strategy
• High degree of transparency and documentation (KYC/Compliance)

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Austrian Ecolabel for Sustainable Finance

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• be(e) green Girokonto, be green Sparkonto, be(e) green Konto VKK, be(e) green Studentenkonto, be(e) green zuFirmenkonto, be green Sparkonto Festzins

Awards & Recognition

• PRIME Status by ISS ESG
• MSCI ESG Rating "A"
• Austrian Ecolabel for Sustainable Finance
• Recommender Award (first place)
• Top Company
• Leading Employer
• Family-friendly Employer
• equalitA
• Gütesiegel Betriebliche Gesundheitsförderung