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.
00
Intro
In a rapidly changing world, challenges present us with new business realities. For companies to align with and embrace sustainability, all stakeholders must be transformed. Thus, EOS focuses on four areas of sustainable practices: responsible debt collection, social responsibility, financial sustainability, and environmental protection. EOS builds its sustainability strategy on the foundations of corporate social responsibility, entrepreneurial engagement, and empowerment of all stakeholders. In addition to environmental protection, our focus lies on financial sustainability, responsible debt collection practices, and striking a balance between our clients' interests and debtors' financial capabilities. Financial literacy is also crucial to EOS, as we aim to reduce the likelihood of individuals falling into debt.
Managing director Janez Klančar
‘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
01
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.
The commitment of our leadership to social responsibility
At EOS KSI, we recognise the importance of social responsibility. Our operations are based on responsible debt collection and adherence to legal and ethical standards encompassing transparency, accountability, and impartiality. We are committed to social responsibility and have embraced the pledge of "Changing finances for the better," striving for a better tomorrow for all.
Our sustainability strategy encompasses four pillars of responsible conduct: financial sustainability, responsible debt collection, social responsibility, and environmental conservation. Our goal is to achieve long-term business success and company development while considering the interests of all stakeholders. We commit to continuously seeking a balance between our clients' interests and debtors' financial capabilities.
Furthermore, we pledge to ensure fair and respectful treatment of all stakeholders. Our employees are the foundation of our growth and development; therefore, we prioritise and commit to caring for their quality of life. As an employer, we pledge to continue providing fair compensation, lifelong learning opportunities, additional pension plans, and developing employees' skills, abilities, and personal growth. We encourage employees to take the initiative in achieving goals. We also commit to increasing attention to diversity and inclusion, fostering a team environment that includes every employee in discussions and decision-making processes.
The commitment of our leadership to respecting human rights
At EOS KSI, we know that respect for human rights is crucial for successful and socially responsible businesses. As a company, we carefully monitor potential adverse effects on all stakeholders' human rights and prevent or eliminate them. We pay special attention to the rights of our employees and are committed to providing them with a safe and healthy working environment free of discrimination and harassment. We are committed to checking potential risks in the supply chain, taking action in the event of violations, and establishing an anonymous reporting system. We are committed to transparent and honest business and long-term mutual trust with respect for the human rights of all stakeholders. We firmly oppose social risks, such as child or forced labour, and are committed to equal treatment of all employees, regardless of personal circumstances.
Materiality as starting point for our sustainability strategy
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).
Skupina EOS se je leta 2021 pridružila Globalnemu dogovoru Združenih narodov, največjemu svetovnemu paktu za korporativno odgovornost. Kot član se zavezujemo k spoštovanju 10 načel sporazuma o človekovih pravicah, delu, okolju in boju proti korupciji. Iz desetih načel mora vsak novi član najprej izpeljati lastne cilje.
To smo storili v preteklem letu in opredelili naše cilje skladno s cilji trajnostnega razvoja ZN (UN’s 17 Sustainable Development Goals - SDGs), h katerim lahko najbolj učinkovito prispevamo. Cilji trajnostnega razvoja, ki smo jih izbrali, skupaj s povezanimi ključnimi podatki in lasnimi cilji, so pomembna merila v naši strategiji korporativne odgovornosti. Kot zahteva dogovor, bomo enkrat letno poročali o našem napredku v našem trajnostnem poročilu.
02
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".
Ekvilib cerfificate Socially responsible employer
On April 21, 2022, the Ekvilb Institute's Board of Auditors awarded us the Socially Responsible Employer Accession Certificate - access certificate in integrated social responsibility management, becoming an internationally recognised and established certification in sustainable business.
IRDO certificate Strategist for social responsibility and sustainable development (CSO)
In June 2023, EOS KSI obtained the Certificate Strategist for social responsibility and sustainable development (CSO).
As a company, we know the importance of strategic management in social responsibility and sustainable development, so we train our employees in this area with the help of independent external institutions. At IRDO - the Institute for the Development of Social Responsibility, EOS KSI trained its employees and thus obtained the certificate of Strategist for Social Responsibility and Sustainable Development.
Signatories to the Diversity Charter
In EOS KSI d.o.o. by signing the Slovenia Diversity Charter in 2020, we committed ourselves to implement the principles of diversity, equality and inclusion of all members in society. We believe diversity fosters innovation, is a source of progress and development, and leads to a more creative work environment.
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.
We take on social responsibility within the EOS Group by promoting empowerment, diversity and inclusion, and in society through our educational initiatives.
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.
EOS advocates strong, binding industry standards and responsibility guidelines. We apply strict criteria when we price portfolio purchases and make other investments.
We use cookies on our website to enable you to have the best possible website visit. These include cookies that are necessary for the operation of the website, those that are only used for anonymous statistical purposes, cookies that are used for comfort settings and cookies that are used to provide you with personalized, interest-based content. You can decide yourself whether you want to allow the use of statistics, comfort, and marketing cookies. In addition, you can change/withdraw your consent at any time by clicking on the Change Cookies settings on the bottom of the website. Further information can be found in our Privacy Policy.
Necessary
We use necessary cookies. These cookies are necessary for the operation and the basic functions of the website. In particular, they enable the security-relevant functioning of our website.
You can read about which cookies we use here.
Tool name
Cookieconsent_status
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg, Germany
Tool description
Essential cookie to save consent banner inputs.
Data processed
None
Purpose of data processing
To save consent
Retention period
60 days
Tool name
Java Session Cookie
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg
Tool description
Randomly generated session number essential for the proper functioning of the application software.
Data processed
None
Purpose of data processing
Proper functioning of website
Retention period
Session cookie – is deleted after you have closed your browser.
Comfort
If you allow comfort cookies, we can make use of our site easier for you. If you visit our website again to use our services, it will automatically be recognized that you already visited us and the entries and settings you made will automatically be recognized so that you do not have to enter them again.
You can read about which cookies we use here.
Tool name
Visitor
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg, Germany
Tool description
We use this cookie to make it easier for you to use this website.
Data processed
None
Purpose of data processing
Optimization, improvement of service
Retention period
Session cookie – is deleted after you have closed your browser.
Tool name
NEW_Visitor
Tool provider
EOS Holding GmbH
Address of tool provider
Steindamm 71, 20099 Hamburg, Germany
Tool description
We use this cookie to make it easier for you to use this website.
Data processed
None
Purpose of data processing
Optimization, improvement of service
Retention period
1 day
Statistics
We use statistical cookies to improve our offering and ensure a needs-based design and the continuous optimization of our website.
For this, we collect anonymized data for statistics and analytics, for example, to determine site traffic and user behavior and to adapt and improve our content and the website experience.
You can read about which cookies we use here.
Tool name
nmstat
Tool provider
Siteimprove GmbH
Address of tool provider
Rosenheimer Str. 143 C, 81671 Munich, Germany
Tool description
This cookie contains an ID character string for the current session. It contains non-personally identifiable information about which sub-pages the visitor enters – this information is used to optimize the user experience.
Data processed
None
Purpose of data processing
Analysis, statistics
Retention period
399 days
Tool name
AWSELB
Tool provider
Siteimprove GmbH
Address of tool provider
Rosenheimer Str. 143 C, 81671 Munich, Germany
Tool description
This cookie ensures that all statistics from the same session are captured contiguously.
Data processed
None
Purpose of data processing
Analysis, statistics
Retention period
Session end
Tool name
siteimproveses
Tool provider
Siteimprove GmbH
Address of tool provider
Rosenheimer Str. 143 C, 81671 Munich, Germany
Tool description
This cookie is used to track the sequence of pages viewed by the visitor during the website visit.
Data processed
None
Purpose of data processing
Analysis, website statistics
Retention period
Session cookie – is deleted after you have closed your browser.
Marketing
We use marketing cookies so that we can provide you with relevant and interest-based content when you visit our website.
You can read about which cookies we use here.
Tool name
Facebook Pixel
Tool provider
Meta Platforms Ireland Limited
Address of tool provider
4 Grand Canal Square, Grand Canal Harbour, Dublin, D02, Ireland.
Tool description
Used by Meta to serve ads, measure and improve ad relevance, and offer advertising products on Meta.
Data processed
Ads Viewed | Pages Visited | Browser Information | Facebook Cookie Information | Facebook User ID | Geographic Location | Device Information | HTTP Header | Interactions with Ads, Services and Products | IP Address | Marketing Information | Usage Data & Behavior | Pixel ID | Referrer URL | User Agent
Purpose of data processing
Analysis | Conversion Tracking | Marketing | Social Media | Advertising
Retention period
__fbp (duration: 3 months)
Tool name
LinkedIn
Tool provider
LinkedIn Ireland Unlimited Company
Address of tool provider
LinkedIn Ireland Unlimited Company Wilton Place, Dublin 2, Ireland
Tool description
This cookie is used to obtain anonymized reports about the website target audience and the possibility of targeted advertising, e.g., in the context of retargeting.
Data processed
Device information, browser information, IP address, referrer URL and time stamp.