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 the company’s own 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

coating, master-of-ceremonies, jacket, suit, president

Sustainability Strategy and Goals

Receivables management means taking responsibility

We are successful in business because we embrace change and take responsibility for all that we do. We want to change things for the better for our clients and employees, but also for consumers, our industry, and society.

Sustainability is an integral part of our corporate responsibility. Our CR activities go beyond environmental protection. As an international finance service provider, we are especially committed to social responsibility and corporate governance.

Our special concerns are divided into four fields of action within our CR strategy: Responsible collection, Joint progress, Financial sustainability & Environmental protection.

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 further elaborated its CR strategy with the involvement of internal and external experts and developed a materiality matrix in 2022. It represents the most important sustainability topics for our external stakeholders, as well as for EOS, and forms the basis for the future direction of EOS' sustainability strategy.

Global responsibility: The UN Global Compact

The EOS Group joined the United Nations Global Compact, the world’s largest pact for corporate responsibility, in 2021. As a member, we pledge our commitment to the compact’s 10 principles on human rights, labor, environment and anti-corruption. Each new member first must derive its own goals from the 10 principles. We did so in the past year, identifying our goals from the UN’s 17 Sustainable Development Goals (SDGs) to which we can make the most effective contribution. The SDGs we selected, along with the associated key figures and goals are important benchmarks in our corporate responsibility strategy. As required by the Compact, we will report on our progress once a year in our “Communication on Progress” (COP).

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.

Skupina EOS sa v roku 2021 pripojila k iniciatíve Organizácie Spojených národov Global Compact, ktorá je najväčšou svetovou iniciatívou v oblasti zodpovedného podnikania. Ako člen tejto iniciatívy sa zaväzujeme dodržiavať 10 vytýčených princípov o ľudských právach, práci, životnom prostredí a boji proti korupcii. Každý nový člen najprv musí z 10 princípov odvodiť svoje vlastné ciele. Urobili sme tak v minulom roku, keď sme stanovili naše ciele zo 17 Sustainable Development Goals (SDGs) OSN, ku ktorým môžeme čo najefektívnejšie prispieť. Vybrané ciele trvalo udržateľného rozvoja spolu so súvisiacimi kľúčovými číslami a cieľmi sú dôležitými kritériami v našej stratégii zodpovedného podnikania. V súlade s požiadavkami iniciatívy budeme raz ročne informovať o našom pokroku v rámci nášho „Oznámenia o pokroku“.

News and Activities

Acknowledged with an excellent ESG risk rating from Morningstar Sustainalytics

In December 2023, the EOS Group received an ESG risk rating from renowned rating agency Morningstar Sustainalytics. They gave us a score of 10.2 (low risk), which puts us among the top two percent in the "Consumer Finance" sector.

"With the independent ESG rating, we are making our contribution to sustainable development transparent. The top ranking shows that our corporate responsibility strategy is successful and that we are very well positioned in many areas," CEO Marwin Ramcke explains.

Together with our partners, customers and the future generation, we are shaping a world in which sustainability is a priority for everyone.

ESG stands for "Environment", "Social" and "Governance".

Odznaky: Najlepšie hodnotené v priemysle podľa ESG & Najlepšie hodnotené v regióne podľa ESG<br/>Copyright @2024 Morningstar Sustainalytics. Všetky práva vyhradené

Christmas debts: Holiday instalments put a strain on the family budget

Christmas debts can strain budgets. A survey finds 54.6% in Slovakia underestimate their ability to repay debts. High-risk groups include men, university graduates, and those in urban areas. Overspending on gifts is common but can lead to financial stress. It's crucial to distinguish between good and bad debt. Seek help if struggling with repayments.

Prečítajte si viac o riadení financií počas dovolenky

Men in a christmas decorated room sitting on the couch. He holds an invoice and creditcard in his hands and looks critical.

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.

Prečítajte si viac o 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

Additional material and content

Our responsibility. Report as PDF for download.

Download the summary PDF here.

Download now

Do you have questions about our CR strategy? We will be happy to answer them!

Christian Emus

Corporate Development with responsibility for CR

EOS Holding GmbH

Steindamm 71

20099 Hamburg

Germany

c.emus@eos-solutions.com

Janine Kaiser