Annual Report

The report provides a CSRD- and ESRS-aligned consolidated sustainability statement built around an annual Double Materiality Assessment covering climate change, biodiversity, and consumers and end-users. It reports a 42% absolute reduction target for operational Scope 1, 2, and 3 emissions by 2030 against a 2024 baseline and a carbon-neutral commitment by 2050. In 2025, market-based own emissions were 2,239.9 tCO2e, while financed emissions across mortgages, motor vehicles, and corporate lending totaled 2,529,463 tCO2e. The report also describes Supervisory Council oversight of sustainability matters and extensive ESG risk integration into governance and lending decisions.