Changing for the better.

We want to change things for the better. The EOS Group has defined its sustainability goals in its Corporate Responsibility (CR) strategy. It lends structure to our commitment and encourages us to act even more responsibly.

A green world flourishes with plants as two individuals promote sustainability - one painting a heart, the other standing on a small ladder, symbolizing care and progress.

Intro

‘For us, debt collection means taking responsibility – not only for our employees and clients, but also for consumers, society and the entire debt collection industry. In short, changing for the better.’

Marwin Ramcke

Chairman of the EOS Group’s Board of Directors

Sustainability Strategy and Goals

Receivables management means taking responsibility

Sustainability is a cornerstone of our corporate responsibility strategy, extending beyond mere environmental compliance. As a global financial services provider, we are deeply committed to social responsibility and corporate governance.

Our main concerns are divided into four intervention domains within our CR strategy: Responsible collection, Joint progress, Financial sustainability, and Environmental protection.

These areas reflect our commitment to making a meaningful contribution to the well-being of the communities where we operate, promoting balanced and sustainable development.

Materiality as starting point for our sustainability strategy

The matrix shows the key sustainability topics from the EOS corporate perspective and from the viewpoint of our external stakeholders.

EOS has proceeded with the development of its Corporate Responsibility strategy, leveraging the collaboration of both internal and external experts. In 2022, the company developed a materiality matrix. This matrix identifies the most critical sustainability issues for EOS's external stakeholders as well as for the company itself. It serves as a foundation to guide the organization's future sustainability strategy.

Global responsibility: The UN Global Compact

Overview of eight UN Global Compact icons showing #3 good health and well-being, #4 quality education, #5 gender equality, #10 reduced inequalities, #16 peace, justice and strong institutions, #17 partnerships for the goals, #13 climate actions.

In 2021, the EOS Group joined the United Nations Global Compact, the largest global initiative for corporate responsibility. Through this commitment, we pledged to uphold the Compact's 10 principles on human rights, labor, environment, and anti-corruption. Each new member is required to first establish their own goals based on these principles. Last year, we identified our objectives based on the United Nations' 17 Sustainable Development Goals (SDGs), selecting those where we can make the most effective contributions. These SDGs, along with their key metrics and associated objectives, serve as important references in our corporate responsibility strategy.

As mandated by the Global Compact, we will annually report our progress through a "Communication on Progress" (COP) report.

News and Activities

Recognized with an excellent ESG (Environmental, Social, and Governance) risk rating by Morningstar Sustainalytics.

In December 2023, the EOS Group received an ESG risk rating from the reputable rating agency Morningstar Sustainalytics.

"We were awarded a score of 10.2 (low risk), placing us in the top two percent of the Consumer Finance sector."

"With this independent ESG risk rating, we are transparently demonstrating our commitment to sustainable development."

"This top rating shows that our corporate responsibility strategy is successful, and we are strongly positioned in many areas," explained CEO Marwin Ramcke.

"Together with our partners, clients, and future generations, we are shaping a world where sustainability is a priority for everyone."

ASG stands for Environment, Social, and Governance.

Distintivos: Melhor classificado na indústria em ESG & Melhor classificado regionalmente em ESG<br/>Copyright @2024 Morningstar Sustainalytics. Todos os direitos reservados

Learn more about our fields of action

Responsible collection

EOS stands for respectful and fair treatment of consumers and for solution-driven, sustained debt relief.

Learn more about Responsible collection

Joint progress

We take on social responsibility within the EOS Group by promoting empowerment, diversity and inclusion, and in society through our educational initiatives.

Learn more about Joint Progress

Environmental protection

As a strong member of the Otto Group, EOS supports the Group’s climate protection strategy, that pursues the Paris Agreement goal of limiting global warming to 1.5 °C. Together we work on implementing targeted measures.

Learn more about Environmental protection

Financial sustainability

EOS advocates strong, binding industry standards and responsibility guidelines. We apply strict criteria when we price portfolio purchases and make other investments.

Learn more about Financial sustainability