ADDIKO BANK AG.
ZYE1.XETRA | Other monetary intermediation
Addiko Bank AG is an Austria-based financial institution specializing in consumer and small and medium-sized enterprise (SME) banking services. The bank offers a range of financial products and services, including loans, deposits, credit cards, and transactional banking solutions. Addiko Bank operat...Show More
Better Health for All
0
Addiko Bank AG is a financial institution whose core products and services (loans, deposits, credit cards) do not have a direct positive or negative impact on public health outcomes, rendering most health-related KPIs not applicable. While the company provides internal employee well-being programs, such as private health insurance
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, access to a well-being platform with articles and webinars
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, and confidential psychotherapy sessions
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, these initiatives are focused on its workforce and do not extend to broader public health needs or disparities. Evidence related to workplace safety for employees and environmental pollution control is explicitly excluded from the 'Better Health for All' value, as per its definition.
Fair Money & Economic Opportunity
40
Addiko Bank AG's SME lending share constituted 34% of its total lending portfolio at the end of 2024.
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Fair Pay & Worker Respect
30
The CEO to median employee pay ratio was 10.23:1 in 2022, calculated from the CEO's total remuneration of EUR 1,000,020 and the average employee remuneration of EUR 97,712.46.
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In 2024, 10.77% of the workforce was employed on temporary contracts.
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Fair Trade & Ethical Sourcing
0
No specific, concrete data points were found in the provided articles for any of the KPIs under the 'Fair Trade & Ethical Sourcing' ethical value. The articles consistently state that information regarding fair trade certifications, audit frequency, forced/child labour incidents, traceability coverage, remediation speed, ethical clause coverage, materials risk index, and supplier diversity spend is 'not mentioned'
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or 'not provided'.
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Honest & Fair Business
-40
The company has a formal whistleblower policy, which includes a dedicated email address for reporting concerns
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, and confidentiality is assured
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. However, the available information does not provide evidence of independent investigation processes, training, or resolution metrics for reported cases.
Kind to Animals
0
Addiko Bank AG is a financial institution, and the provided articles, which include financial reports and ESG strategy documents, do not contain any specific, concrete information or data points relevant to the 'Kind to Animals' ethical value. There is no evidence regarding animal testing, animal-derived products, humane certifications for animal operations, wildlife conservation impact, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal agriculture ethics, or engagement in animal welfare policy for this company. The articles are silent on these topics, leading to the omission of all KPIs.
No War, No Weapons
0
Addiko Bank states it has no loan exposure allocated to activities involving the manufacture of weapons and ammunition, and is not actively involved in financing controversial weapons.
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This indicates 0% revenue derived from arms or defense contracts.
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The Addiko Group is a politically neutral organization that neither engages in party political campaigning nor makes political party donations, meaning it has no defense-related lobbying.
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The company states it has no loan exposure to weapons and ammunition manufacturing, indicating zero exposure to controversial weapons, but this is not explicitly verified by an external audit.
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Planet-Friendly Business
-30
Addiko Group sourced 28% of its energy from renewable sources in 2023.
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The company's 2023 sustainability report indicates no regulatory environmental violations or fines were mentioned.
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Respect for Cultures & Communities
0
No relevant data was found in the provided articles to assess ZYE1.XETRA against the 'Respect for Cultures & Communities' ethical value. was inaccessible, and explicitly stated it contained no relevant data for the requested metrics.
1
Safe & Smart Tech
0
Addiko Bank maintains a group-wide data protection compliance framework, including Data Protection Officers at group and entity levels, and has implemented processes to align with GDPR, Serbian regulations, EU Taxonomy Regulation, Austrian Banking Act, and Financial Markets Anti-Money Laundering Act.
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The bank is also applying for Binding Corporate Rules for intra-group transfers.
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Users are provided with standard data subject rights, including access, rectification, erasure, restriction, objection, data portability, and complaint lodging, with requests documented and access provided free of charge unless excessive.
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The company performs monthly vulnerability scans and annual/ad-hoc penetration tests, holds weekly meetings with IT partners, and conducts regular employee training on data protection, information security, social engineering, and phishing, with monthly testing for the latter.
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Automated decision-making is used for analysis and targeted communications, but not in a way that has legal implications.
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Data is stored for the duration of the business relationship and as long as legal obligations or legitimate interests require.
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Zero Waste & Sustainable Products
-30
Addiko Bank has implemented eight distinct waste reduction initiatives, including reducing paper consumption through digitalization, offering fully digitalized financial services, setting default double-sided and black-and-white printing, managing paper printing with ID cards, providing recycling bins for paper, aluminum, and PET, encouraging employee waste sorting, supporting voluntary plastic bottle cap collection, and offering End-2-End online lending.
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The bank has an ESG strategy, approved in June 2023, which includes 15 Group-wide initiatives with clear targets and performance indicators.
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These targets include increasing alternative drive vehicles to 40% of the fleet by 2025, reducing office spaces (with a 2.2% reduction already achieved), reducing paper consumption through digitalization, and an additional 7% reduction in the car fleet.
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Addiko Bank assesses ESG risks, including environmental practices, at all stages of the procurement lifecycle, requiring bidders and suppliers to complete a questionnaire on their environmental practices and meet ESG criteria.
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The company reported no instances of non-compliance with environmental regulations in 2024
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and no waste disposal violations or citations in 2023.
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