Better Health for All

BAWAG Group demonstrates a comprehensive approach to crisis response and mental health support for its employees. During public health emergencies and disasters, the company implemented structured protocols, including financial relief for customers, operational adjustments, a special COVID-19 bonus of €300 for employees, and donations totaling at least €255,000 to various charities and disaster relief efforts.

For mental health, the company offers comprehensive programs for employees, including access to an occupational psychology department, webinars on resilience, and information on therapy cost reimbursement. The company has a very low exposure of 0.3% of its total exposure to gambling and 0.0% to addictive substances. As a financial services provider, its products do not carry direct health risks, and its R&D is not focused on health-related outcomes. The company's operations do not directly intersect with healthcare workforce development, nor does it hold healthcare-related patents or produce food products. There are no significant health externalities from its operations.

Fair Money & Economic Opportunity

BAWAG Group reinvested approximately 0.26% of its retained economic value in community initiatives in 2023, based on a €1 million donation compared to €380.3 million retained economic value.

The company has faced numerous VKI-lawsuits concerning illegal fees, inadmissible interest charging, and unlawful account conversion/termination. Additionally, there were incidents of non-compliance regarding product and service information and labeling, which resulted in amendments to terms and conditions. In terms of inclusion, the consumer and SME loan book amounted to EUR 6.4 billion in H1 2023, representing approximately 21.8% of the total portfolio of EUR 29.327 billion in 2023. ,

Fair Pay & Worker Respect

BAWAG Group reported a CEO to median employee pay ratio of 132 to 1 in 2023.

Approximately 90% of employees were covered by collective bargaining agreements in 2023. The median pay ratio for women to men in the Group was 81% for both basic salary and total remuneration in 2023. A group-wide employee survey in Q4 2023 showed an employee satisfaction rate of approximately 75% among respondents. The voluntary employee fluctuation rate was 7% in 2023. The company reported no significant instances of non-compliance with laws and regulations or incidents of discrimination in 2023. In 2023, 82 employees were on temporary contracts out of a total of 3,173 employees, representing 2.58% of the workforce.

Fair Trade & Ethical Sourcing

BAWAG Group directed 74% of its BAWAG P.S.K. and easybank spending to local suppliers in 2020.

The company's Code of Conduct and Supplier Code of Conduct outline ethical expectations for business partners, including adherence to human rights, anti-corruption, and labor standards such as preventing child and forced labor. However, quantitative data regarding the percentage of spend covered by fair-trade certifications, the frequency of supplier audits, the number of forced or child labor incidents, the traceability coverage of suppliers, the speed of remediation for violations, the percentage of contracts with enforceable ethical-sourcing clauses, or the share of spend on high-risk materials is not available.

Honest & Fair Business

The company incurred €786,100 in ethics-related regulatory fines within the last three years

, including €588,000 in December 2024 for AML due diligence breaches and €198,100 in October 2025 for misleading investment advertising . While a whistleblowing system (BKMS®) has been in place since 2013 , there is no evidence of independent investigation processes for reports. The Supervisory Board, as of December 31, 2024, has 66.67% independent members (6 out of 9) . In contrast, the company has a comprehensive anti-corruption policy that includes mandatory e-learning, regular updates, ad-hoc training, a self-assessment process, an approval system for benefits, a gift log, and regular compliance reviews, with high-risk divisions audited annually . Furthermore, the 2024 annual financial statements received an unqualified auditor’s opinion with no objections , indicating no financial restatements in the past five years .

Kind to Animals

BAWAG Group AG is a financial service provider, and the provided articles do not contain specific, measurable data points for any of the 'Kind to Animals' KPIs. There is no evidence regarding cruelty-free certifications, alternative testing methods, humane certifications for animal operations, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal testing policies or volume, innovation investment in animal-free technologies, animal agriculture ethics, animal-free R&D collaboration, or public policy engagement related to animal welfare. While the company sponsors initiatives like the Zoohackathon

and facilitates crowdfunding for projects like Birdhelp, these lack the measurable biodiversity impact or percentage of revenue allocated to conservation initiatives with documented outcomes required by the rubric.

No War, No Weapons

The company's Human Rights Policy, approved by the Management Board in December 2024, states that it is aligned with the UN Guiding Principles on Business and Human Rights.

The company is a signatory to the UN Global Compact, committed to complying with its ten principles, and endorsed the UN Global Compact Women’s Empowerment Principles in fall 2015. The company also reports on various human rights-related performance metrics, such as no incidents of corruption or anti-competitive behavior in 2015, and 100% of employees covered by collective bargaining agreements.

Planet-Friendly Business

BAWAG Group's total Scope 1, 2, and 3 carbon footprint for 2024 was 2,534,058 tCO2e.

, representing a 7.34% decrease from 2023. The company supplies all its sites with 100% green electricity. BAWAG commits to align its largest portfolios with the Science Based Targets initiative for a 1.5°C global warming scenario. , but these targets are not stated as validated. The company reports no awareness of any violations of UN Global Compact principles or OECD Guidelines for Multinational Enterprises. As of 2024, BAWAG has no exposure to coal and de-minimis exposure to oil and gas.

Respect for Cultures & Communities

The company directed 80% of its procurement spending to local suppliers in 2023.

No cultural appropriation incidents have been reported, and the company's financial operations do not typically impact cultural contexts or require Free, Prior and Informed Consent (FPIC) processes, nor do they involve cultural site disruptions. There is no specific community representation on governance bodies. The company engages in general charitable giving, with €1 million donated to social programs in 2023, representing approximately 0.032% of its direct economic value generated, but without a specific cultural heritage focus. Standard grievance mechanisms are available for employees and customers, but not specifically for broader community concerns with reported coverage. Policies and the whistleblowing system are available in German and English, which indicates limited local language incorporation given the company's operations in "other developed markets" beyond Austria and Germany.

Safe & Smart Tech

The company adheres to a data minimization principle, but retains data for statutory periods of 7-10 years, which is considered excessive.

In contrast, the company demonstrates strong security practices, including regularly performing penetration tests for all systems, especially customer-facing and Internet-connected systems, using specialized expert companies, and validating its approach with a renowned cybersecurity rating service for all Internet-connected systems. All end-user devices are encrypted, data in transit over public networks is encrypted, and individual encryption is applied to message, mailbox, and processing data. The company demonstrates strong regulatory compliance, adhering to GDPR, Austrian Data Protection Act, PSD2, BCBS239, EBA guidelines, NIS2, DORA, Austrian Banking Act, and the Austrian Code of Corporate Governance, and is directly supervised by the ECB. Data centers are ISO27001 certified, the company holds EuroPrise and Accessibility certifications, and its web-based whistleblowing system is certified under European data protection law. Mandatory comprehensive security and data protection training is provided for all new employees within 30 days of onboarding and for all employees every two years, with specific training for external ICT partners and software developers. Preventative measures for unauthorized data use include data masking in non-productive environments, restricted use of external media, and agreements with third parties. The company complies with customer and employee data rights, providing online inquiry forms, direct contact options, and in-app privacy features. Multi-factor authentication is mandatory for remote access, complemented by advanced options like in-app PIN retrieval, Apple Pay, QR code scanning, selfie/ID scan, and 3D Secure. Privacy by Design and Privacy by Default principles are incorporated into new product and process development, ensuring GDPR and PSD2 compliance. The company operates an established bug bounty program (BKMS®System) for vulnerability disclosure.

Zero Waste & Sustainable Products

The company has implemented several waste reduction initiatives, including digitalization measures to reduce paper use, a paperless branch project that saved over 2.1 million A4 pages in 2020, and a paperless recruiting process.

These efforts resulted in a decrease in overall paper use from 180,701 kg in 2022 to 140,708 kg in 2023, and a reduction in bank statement envelopes from 3,547,364 to 3,216,291 pieces in the same period. Additionally, the company's Supplier Code of Conduct defines expectations towards suppliers regarding environmental protection.