Sustainability Reports
Transparency, measurability and traceability are an integral part of OTP Group’s approach to sustainability and form the basis of our continuous development.
Our Sustainability Report is prepared in line with the ESRS (European Sustainability Reporting Standards), ensuring a structured and comparable overview of our environmental, social and governance (ESG) performance. Through our Integrated Annual Report, we share our sustainability results, targets and progress each year, alongside our financial results.
Material topics
In line with the European Sustainability Reporting Standards (ESRS), we carried out a Double Materiality Assessment (DMA) to identify our most significant sustainability impacts, risks and opportunities.
The assessment considers both how our activities affect the environment and society, and how sustainability-related factors influence our business performance.
Based on the results, we continuously refine our Sustainability Statements and further integrate sustainability into our strategy, risk management and business processes across our operations and value chain.
Material topic: E1 - Climate change
| Material IRO | Category | |
|---|---|---|
| Climate change adaptation | Climate-related identified physical risks | Financial risk |
| Climate related physical risks | Financial risk | |
| Climate change mitigation | GHG emissions in the portfolio | Negative impact |
| GHG emissions in own operations (both relevant in Financial services and Agricultural activities) | Negative impact | |
| Financing climate change mitigation activities | Financial opportunity | |
| Climate-related transition risks | Financial risk | |
| Energy | Financing energy-intensive sectors | Negative impact |
| Financing renewable energy or energy-efficient solutions | Financial opportunity | |
| Financing energy-intensive sectors | Financial risk |
- Material IROCategory
- Climate change adaptationClimate-related identified physical risksFinancial risk
- Climate change adaptationClimate related physical risksFinancial risk
- Climate change mitigationGHG emissions in the portfolioNegative impact
- Climate change mitigationGHG emissions in own operations (both relevant in Financial services and Agricultural activities)Negative impact
- Climate change mitigationFinancing climate change mitigation activitiesFinancial opportunity
- Climate change mitigationClimate-related transition risksFinancial risk
- EnergyFinancing energy-intensive sectorsNegative impact
- EnergyFinancing renewable energy or energy-efficient solutionsFinancial opportunity
- EnergyFinancing energy-intensive sectorsFinancial risk
Material topic: E4 - Biodiversity and ecosystems
| Material IRO | Category | |
|---|---|---|
| Direct impact drivers of biodiversity loss - Climate change | Climate-related identified physical risks | Negative impact |
| Direct impact drivers of biodiversity loss - Land-use change | Climate related physical risks | Negative impact |
- Material IROCategory
- Direct impact drivers of biodiversity loss - Climate changeClimate-related identified physical risksNegative impact
- Direct impact drivers of biodiversity loss - Land-use changeClimate related physical risksNegative impact
Material topic: S1 - Own Workforce
| Material IRO | Category | |
|---|---|---|
| Working conditions - Secure employment | Secure employment | Positive impact |
| Employee benefits | Financial opportunity | |
| Working conditions - Adequate wages | Adequate wages | Positive impact |
| Non-adequate wages | Financial risk | |
| Working conditions - Social dialogue | Inadequate employee involvement | Financial risk |
| Equal treatment and opportunities for all - Gender equality and equal pay for work of equal value | Gender equality and equal pay for work of equal value | Financial opportunity |
| Equal treatment and opportunities for all - Training and skills development | Training and skills development | Financial opportunity |
| Insufficient training and skills development | Financial risk | |
| Equal treatment and opportunities for all - Measures against violence and harassment in the workplace | Measures against violence and harassment in the workplace | Positive impact |
| Equal treatment and opportunities for all - Diversity | Diversity | Financial opportunity |
- Material IROCategory
- Working conditions - Secure employmentSecure employmentPositive impact
- Working conditions - Secure employmentEmployee benefitsFinancial opportunity
- Working conditions - Adequate wagesAdequate wagesPositive impact
- Working conditions - Adequate wagesNon-adequate wagesFinancial risk
- Working conditions - Social dialogueInadequate employee involvementFinancial risk
- Equal treatment and opportunities for all - Gender equality and equal pay for work of equal valueGender equality and equal pay for work of equal valueFinancial opportunity
- Equal treatment and opportunities for all - Training and skills developmentTraining and skills developmentFinancial opportunity
- Equal treatment and opportunities for all - Training and skills developmentInsufficient training and skills developmentFinancial risk
- Equal treatment and opportunities for all - Measures against violence and harassment in the workplaceMeasures against violence and harassment in the workplacePositive impact
- Equal treatment and opportunities for all - DiversityDiversityFinancial opportunity
Material topic: S4 - Consumers and end-users
| Material IRO | Category | |
|---|---|---|
| Information-related impacts for consumers and/or end-users - Privacy; Data security | Data privacy and cybersecurity breaches | Financial risk |
| Information-related impacts for consumers and/or end-users; Social inclusion of consumers and/or end-users - Access to (quality) information; Responsible marketing practices | Awareness raising in financial education and marketing | Positive impact |
| Inadequate information provision to customers | Financial risk |
- Material IROCategory
- Information-related impacts for consumers and/or end-users - Privacy; Data securityData privacy and cybersecurity breachesFinancial risk
- Information-related impacts for consumers and/or end-users; Social inclusion of consumers and/or end-users - Access to (quality) information; Responsible marketing practicesAwareness raising in financial education and marketingPositive impact
- Information-related impacts for consumers and/or end-users; Social inclusion of consumers and/or end-users - Access to (quality) information; Responsible marketing practicesInadequate information provision to customersFinancial risk
Material topic: G1 - Business Conduct
| Material IRO | Category | |
|---|---|---|
| Corporate Culture | Weak ethical culture or business misconduct | Financial risk |
| Money laundering and counterterrorism | Financial risk |
- Material IROCategory
- Corporate CultureWeak ethical culture or business misconductFinancial risk
- Corporate CultureMoney laundering and counterterrorismFinancial risk
Latest report
Reports of previous years
Reports of OTP Group
- OTP Group Integrated Annual Report 2024
- OTP Group Sustainability Results 2024
- OTP Group Integrated Annual Report 2023
- OTP Group Integrated
Annual Report 2022
- OTP Group Sustainability Report 2021
- OTP Group Sustainability Report 2020
- OTP Group Sustainability Report 2019
- OTP Group Sustainability Report 2018
- OTP Group Sustainability Report 2017
- OTP Group Sustainability Report 2016
- OTP Group Sustainability Report 2015
- OTP Group Sustainability Report 2014
- OTP Group Sustainability Report 2013
- OTP Group Sustainability Report 2012
- OTP Group Sustainability Report 2011
- OTP Group Sustainability Report 2010
- OTP Group Sustainablitiy Report 2009
- OTP Group Sustainablitiy Report 2008
- OTP Group Sustainablitiy Report 2007
- OTP Group Sustainablitiy Report 2006
Reports of OTP banka Hrvatska