Sustainability

DZ BANK

Sustainability

Sustainability Report 2025 in Accordance with ESRS

(CSRD Report)

DZ BANK is publishing the Sustainability Report 2025 as part of the Annual Financial Statements and Management Report and complies with the European Sustainability Reporting Standards (ESRS).

For us at DZ BANK, the focus has never been on the ‘zeitgeist’ when it comes to sustainability and ESG, but rather on how we can best support society and the economy in making the necessary changes.

Cornelius Riese, Chief Executive Officer of DZ BANK

The image shows a person standing on a balcony or terrace holding a laptop. The background features modern high-rise buildings suggesting an urban environment.

Sustainability Report 2025 in Accordance with ESRS (CSRD Report)

Download here

DZ BANK's Materiality Matrix 2025 in Accordance with ESRS

(CSRD Report)

The image is a risk and opportunity matrix, likely from DZ Bank. It categorizes various factors related to operations and the portfolio, such as climate change adaptation, diversity, human rights, corruption, and bribery. The matrix positions concepts based on their perceived risk and opportunities, with axes labeled "Impact on business (from our stakeholders)" and "Risks and opportunities (from our relevance)."

The image depicts a landscape featuring renewable energy infrastructure.

### Main Elements:

1. **Wind Turbines:**
- The image showcases several wind turbines that harness wind energy to generate electricity.
- These are large vertical structures with three blades, strategically placed in the landscape.

2. **Solar Panels:**
- A vast array of solar panels is visible in the foreground of the image.
- The panels are arranged in long rows to capture solar energy efficiently.

3. **Open Landscape:**
- The scene unfolds over a wide, open expanse of grassland.
- The area might be used for agriculture or simply reserved for renewable energy facilities.

4. **Sunlight:**
- The sun is shining brightly, contributing to the effectiveness of the solar panels.
- There is a sunbeam or lens flare effect, indicating a clear sky typical for locations optimizing solar energy.

5. **Environmental Harmony:**
- The image portrays a balance of technology and nature, emphasizing sustainable energy solutions.

Overall, this image showcases a harmonious setting for renewable energy production, utilizing both wind and solar power in a serene, open landscape.

DZ BANK Framework for Sustainable Products

The framework describes the sustainable products offered by DZ BANK and provides a uniform framework for all relevant business activities in the context of sustainable products.

Our Sustainability Values

The image shows a group of people engaged in a discussion or meeting in an indoor setting, possibly an office environment. The style of clothing suggests a business meeting scenario with formal attire such as suits and blazers. One person appears to be making a point or contributing actively to the conversation.

Strategy

At DZ BANK, sustainability is firmly anchored in our corporate values and strategy. We are integrating the Sustainable Development Goals and the Paris Agreement into our core business and finance.

The image depicts a serene and scenic landscape, characterized by a combination of natural elements:

1. **Forest Area:**
- Extensive coverage of lush green vegetation, likely composed of dense forest stretching across the image.
- Diversity of tree species and plant life visible due to variation in green hues.

2. **Water Body:**
- Presence of a calm and reflective water body, possibly a lake or a river, meandering through the forest.
- The water surface appears smooth, reflecting the surrounding trees and sky.

3. **Sky:**
- Clear, expansive sky with subtle shades ranging from light blue to soft orange, indicating a time either close to sunrise or sunset.
- Gentle, diffused sunlight illuminating the scene.

4. **Topography:**
- Gentle rolling hills or undulating landscape covered with forest.
- Provides a sense of depth and dimension to the scene.

5. **Overall Atmosphere:**
- tranquil and peaceful environment, typical of a remote natural landscape.
- Likely a place suited for relaxation, exploration, or nature related activities.

This image is a vivid representation of the beauty and tranquility found in untouched natural landscapes.

Environment

DZ BANK is working towards a climate-neutral future and supporting its customers by providing financing solutions that incorporate sustainability aspects.