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Materiality analysis

The purpose of our materiality analysis is to identify areas for sustainable development in both the short and long term. This analysis helps us to determine what is essential for us to continue focusing on and developing. It includes monitoring of global events, identification of our stakeholders and their interests and identification of our impact from a sustainability perspective. The annual materiality analysis, together with our sustainability strategy, forms the basis for sustainability plans.
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Our sustainability strategy has four areas of responsibility:

  • Responsible investments

  • Responsible lending

  • Environmental responsibility

  • Social responsibility

Working on the basis of these four areas of responsibilities has several purposes. On the one hand, they help us to conduct and develop sustainable business operations, and on the other hand, they clarify how we contribute to various objectives and principles that we have adopted, including to the UN's Agenda 2030 for Sustainable Development. We analyse our operations and identify areas in which we have a positive or negative impact. Then we establish clear development targets and follow up this work regularly.


Understanding the needs of our stakeholders and what drives their choices in various decision-making situations is becoming increasingly important to us. The lowest common denominator for all stakeholder categories is that they expect increased transparency and credibility as well as more information than before. We continuously conduct both qualitative and quantitative stakeholder dialogues via different channels, for example through various industry forums as well as customer and brand surveys.

Our main stakeholders:

  • Customers

  • Resellers

  • Shareholders

  • Suppliers

  • Debt investors

  • Partnership organisations

  • Employees

  • Special interest organisations

  • Regulators

  • Media

  • Rating agencies