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Changing for the better.

We want to change things for the better. The EOS Group has defined its sustainability goals in its Corporate Responsibility (CR) strategy. It lends structure to our commitment and encourages us to act even more responsibly.
A green world flourishes with plants as two individuals promote sustainability - one painting a heart, the other standing on a small ladder, symbolizing care and progress.
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Intro

‘For us, debt collection means taking responsibility – not only for the company’s own employees and clients, but also for consumers, society and the entire debt collection industry. In short, changing for the better.’

Marwin Ramcke
Chairman of the EOS Group’s Board of Directors
coating, master-of-ceremonies, jacket, suit, president
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Sustainability Strategy and Goals

Receivables management means taking responsibility

We are successful in business because we embrace change and take responsibility for all that we do. We want to change things for the better for our clients and employees, but also for consumers, our industry, and society.

Sustainability is an integral part of our corporate responsibility. Our CR activities go beyond environmental protection. As an international finance service provider, we are especially committed to social responsibility and corporate governance.

Our special concerns are divided into four fields of action within our CR strategy: Responsible collection, Joint progress, Financial sustainability and Environmental protection.

Materiality as starting point for our sustainability strategy

EOS further elaborated its CR strategy with the involvement of internal and external experts and developed a materiality matrix in 2022. It represents the most important sustainability topics for our external stakeholders, as well as for EOS, and forms the basis for the future direction of EOS' sustainability strategy.

Global responsibility: The UN Global Compact

Overview of eight UN Global Compact icons showing #3 good health and well-being, #4 quality education, #5 gender equality, #10 reduced inequalities, #16 peace, justice and strong institutions, #17 partnerships for the goals, #13 climate actions.
The EOS Group joined the United Nations Global Compact, the world’s largest pact for corporate responsibility, in 2021. As a member, we pledge our commitment to the compact’s 10 principles on human rights, labor, environment and anti-corruption. Each new member first must derive its own goals from the 10 principles. We did so in the past year, identifying our goals from the UN’s 17 Sustainable Development Goals (SDGs) to which we can make the most effective contribution. The SDGs we selected, along with the associated key figures and goals are important benchmarks in our corporate responsibility strategy. As required by the Compact, we will report on our progress once a year in our “Communication on Progress” (COP).
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News and Activities

Acknowledged with an excellent ESG risk rating from Morningstar Sustainalytics

In December 2023, the EOS Group received an ESG risk rating from renowned rating agency Morningstar Sustainalytics. They gave us a score of 10.2 (low risk), which puts us among the top two percent in the "Consumer Finance" sector.

"With the independent ESG rating, we are making our contribution to sustainable development transparent. The top ranking shows that our corporate responsibility strategy is successful and that we are very well positioned in many areas," CEO Marwin Ramcke explains.

Together with our partners, customers and the future generation, we are shaping a world in which sustainability is a priority for everyone.

ESG stands for "Environment", "Social" and "Governance".
Read the press release about the EOS rating
Badges: ESG Industry top rated & ESG Regional top rated <br/>Copyright @2024 Morningstar Sustainalytics. All rights reserved

Corporate Responsibility News

NPL Directive: EOS is working intensively on its implementation

EOS successfully implements provisions of the NPL Directive

5 min.
EOS shows how the provisions of the NPL Directive are being implemented locally by its national subsidiaries.
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Marwin Ramcke, CEO, standing in a blue suit, with his right hand in his trouser pocket, in a bright room.

Interview: EOS Board on the 2023/24 financial year

7 min.
The EOS Board on the 2023/24 financial year: How business has developed in the regions, why sustainability remains a key focus area, and how EOS is optimally prepared for the future.
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ESG: EOS has a clear agenda for environmentally conscious and socially responsible action. Corporate Responsibility experts see to it that the strategy is being implemented in the national companies.

ESG experts promoting sustainability at EOS internationally

4 min.
Commitment to strategy: Sustainability is becoming a success factor for financial companies. ESG experts at EOS are driving environmentally conscious and socially responsible action internationally.
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Innovation contest: The winning team presented artificial intelligence (AI) that can independently make and receive call center calls.

Innovation contest: When employees shape the future with AI

3 min.
Now for the third time, EOS was calling on its employees to take part in the innovation contest. The goal: promoting international collaboration and enhancing performance.
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Fair debt collection: A defaulting consumer processes his payment easily and anonymously by smartphone.

Fair debt collection: A question - EOS has concrete answers

3 min.
The central question in responsible debt collection is: How do we handle defaulting consumers? As EOS demonstrates, there is more than one good answer to this question.
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Unsecured receivables: Image shows two people looking at an invoice together.

Unsecured receivables: How EOS stabilizes companies.

3 min.
Whether they are a bank, energy utility, telecoms or e-commerce firm, EOS helps businesses from a wide range of sectors to reliably plan ahead by purchasing their unsecured receivables.
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Kollecto+ is the digital collection system of EOS.

Digital debt collection system: The success story of Kollecto+

3 min.
Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.
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CEO Vladislav Hadjidinev in a blue suit and Katerina Bosevska Managing Director of EOS North Macedonia in a light blue blazer standing next to each other in a office with a red wall

Uni Banka cooperates with EOS in receivables management.

3 min.
Win-win: EOS North Macedonia is taking on Uni Banka’s receivables management in the long term. The collaboration doesn’t just benefit the two companies but also the country’s economy.
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Headshot of Stephan Ohlmeyer, member of the EOS Board, and Jan Ottenbreit, Head of Division Central Europe.

New EOS region Central Europe: “We’re creating openness to new goals”

3 min.
Better knowledge transfer and greater openness to new business areas are what EOS aims to achieve with the new Central Europe region.
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IFC representatives visited the EOS Group in Hamburg, celebrating the cooperation in the Polish market and solidifying the commitment to sustainable investments.

ESG criteria: EOS and IFC pursue sustainable portfolio acquisition

3 min.
In Poland and southeastern Europe, IFC (International Finance Corporation) and EOS apply strict ESG criteria covering social and environmental aspects when buying NPL portfolios.
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Illustration of woman in front of computer facing a robot

RPA: Improving quality with software robots at EOS

2 min.
“Programmed revolution”: The EOS Group is optimizing its digital receivables management with robotic process automation, freeing up staff for more complex and creative tasks.
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Cybersecurity expert Janusch Skubatz, Chief Information Security Officer of the EOS Group, with brown hair and white shirt

Not sure about generative AI? The balance between innovation and risk.

4 min.
Generative AI offers companies enormous potential. The Otto Group reduces these risks with its in-house ogGPT tool. The EOS Group also benefits from this.
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One illustration shows a robot or chatbot holding up various charts and texts, as well as several employees working on computers and asking the chatbot questions.

How generative AI is taking over routine tasks in the financial sector

3 min.
Already, generative AI can handle a lot of typical tasks in financial services companies. EOS is testing how chatbots can reduce employee workload even more and improve their efficiency.
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A survey reveals that AI potential is still not being exploited in the area of risk and finance

Survey reveals: AI potential not being exploited in risk and finance.

2 min.
A survey reveals that generative AI like ChatGPT offers companies potential applications in numerous areas. In the area of risk and finance, it also harbors untapped potential.
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A photo shows a dilapidated building in Režanci, Croatia. A ‘stranded asset’ that EOS Croatia is putting back on the market.

Stranded assets: EOS creates solutions for unusable real estate.

2 min.
The number of unusable properties is growing, partly as a result of increasing requirements for sustainability. EOS is developing new areas of expertise to bring stranded assets like these back onto the market.
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A group photo shows the EOS Board of Directors (from left to right): Andreas Kropp (Germany), Justus Hecking-Veltman (CFO), Marwin Ramcke (CEO), Carsten Tidow (Eastern Europe) and Dr. Andreas Witzig (Western Europe).

2022/23 fiscal year: The Board of the EOS Group takes stock.

4 min.
In this interview, the members of the Board of the EOS Group talk about the positive developments in fiscal 2022/23, employees, diversity, and the responsibility of debt collection companies.
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Cybersecurity is a top priority for EOS. To achieve this the company is setting up an international protective shield.

EOS Group relies on cutting-edge technology for data protection.

2 min.
Using cutting-edge technology, EOS protects the data of customers and consumers from attacks by criminals. The new cyber-shield “Iron EOS” makes this an even faster and more efficient process.
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A man and a woman having a relaxed-looking conversation, as a symbolic image of a corporate culture where employees have autonomy.

Empowerment: How EOS attracts and retains employees.

3 min.
Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.
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A headshot shows Cristian Musat, Managing Director EOS Technology Solutions and the ‘brains’ of the Kollecto+ project.

Debt collection software: More efficiency thanks to standardized system.

2 min.
In the Kollecto+ collection system, all EOS companies pool their knowledge and experience, and in doing so improve the efficiency of the entire Group.
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 A graphic shows several people communicating with each other through email, conversations, and letters.

How EOS makes debt collection responsible and fair.

3 min.
EOS stands for fair and respectful receivables management. The debt collection company accomplishes this with technology that simplifies processes for consumers and with trained staff.
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Financial literacy: Learning at an early age about how to handle money properly can protect people from excessive debt later on.

Financial literacy: How EOS is committed to improving financial skills.

4 min.
A lack of financial education can accelerate the path to excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs that aim to counter such developments.
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A photomontage shows a car traveling toward the sunset in the right lane of a paved road in an open, green landscape. The asphalt on the opposite lane is completely worn down.

International debt collection: EOS handles receivables management globally for Hertz.

3 min.
Cross-border receivables present both logistical and legal challenges. Car rental company Hertz relies on the expertise of EOS for its international debt collection.
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An illustration shows a man and a woman in business attire shaking hands. In the background is a globe with several locations pinned on it – and a stylized income statement.

International debt collection: How EOS processes receivables worldwide.

3 min.
EOS is active in 180 countries with its own companies or selected partners. Banks that regularly sell cross-border debts to EOS also profit from this network.
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An image illustrates the financial insecurity of women amid the crisis: A woman with a calculator looks at a bill and holds her head worriedly.

Study: Is money still ‘men’s business’?

3 min.
Who saves more, who makes decisions more confidently, and who has greater financial reserves? An EOS study reveals how differently men and women handle financial issues – and suggests possible reasons.
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Marwin Ramcke, CEO of the EOS Group

EOS CEO Ramcke in an interview: "I'm in the right place!"

2 min.
One year ago, Marwin Ramcke took the CEO position at the EOS Group. What were those first 12 months like for him? A look back gives insight.
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Tree planting campaign EOS France: A contribution to environmental protection.

Tree planting campaign EOS France: A contribution to environmental protection

1 min.
EOS in France is planting trees to aid reforestation. Read here how the campaign is reinforcing employee awareness of climate protection and contributing to a more sustainable future.
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Debt in Europe due to inflation: consumers having to tighten purse strings.

Study: One in five people is taking on debt as a result of inflation

4 min.
How have rising prices affected the financial situation of consumers? An EOS study reveals that many people have had to take on debt to compensate for inflation.
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Financial education for young people: Many young consumers feel financially insecure.

Survey reveals: Young people want more financial education.

4 min.
Do you think young people have no desire to deal with their own finances? As a recent survey shows, this is certainly not the case. The level of interest is great – as are their fears for the future.
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Portrait Dr. Saskia Dörr, Founder of WiseWay

What is Corporate Digital Responsibility and why is it important?

3 min.
Corporate Social Responsibility is no longer new. What may be new to you is Corporate Digital Responsibility (CDR). Read on to learn more about CDR, also known as “digital ethics”, influences how companies act digitally and how we as users interact with them and their services. To date, practicing CDR is voluntary, so why bother? Isn’t it just extra time and effort for the IT department?
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Andreas Kropp, member of the EOS Group’s Board of Directors responsible for Germany<br/>is smiling.

EOS appreciates centralization of debt collection supervision.

1 min.
Decided by the German Bundestag and a very pleasing step forward for the debt collection industry.
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Dariusz Petynka, successful Managing Director EOS Poland

EOS Poland: Clear competitive advantage through value in debt collection.

2 min.
In 2015, the Polish debt collection market was still in a crisis mood. In an interview, Managing Director Dariusz Petynka tells how he faced the situation and shares his insights.
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Record inflation threatens businesses: A rising curve.

Record inflation threatens companies.

3 min.
Record inflation and rising energy prices threaten the purchasing power of companies and their ability to invest: Here is how you can mitigate the effects.
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 Representatives of the industry consult on the future of debt collection.

For fair debt collection: EOS engaging in associations

4 min.
EOS has joined forces with other debt collection service providers to form associations. Their aim: to provide a standardized framework of action for the industry that treats everyone involved fairly.
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IFC_EOS_Signing_Ceremony

Ariane Di Iorio and Vittorio Di Bello share market insights: IFC Experts in an interview.

2 min.
What is the current market situation of non-performing loans? How does the risk management of NPLs through ESG criteria work? And what is the aim of the cooperation between IFC and EOS? Ariane Di Iorio and Vittorio Di Bello from IFC provide insight on these questions.
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EOS Survey European Payment Practices: The drawing of a man surrounded by question marks and a thunderbolt illustrates that in the face of deteriorating payment practices, companies need to find new approaches to receivables management.

EOS survey: Poor payment practices are putting European companies at risk

4 min.
Many European companies are concerned about their survival, as a growing number of consumers and business customers are paying outstanding invoices late or not at all.
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EOS survey European Payment Practices: An illustration with a computer monitor on which two tasks are marked with an ‘x’ and have not yet been completed. Symbolizes lack of digitalization.

Survey: Firms missing out on pandemic-related digital boost in receivables management

3 min.
Survey reveals that companies have failed to digitalize their receivables management during the pandemic. What companies should do now to counter poor payment practices and repayment rates.
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During an official ceremony on September 20, 2022, representatives of IFC and EOS formalized their collaboration on the purchase of NPLs and distressed real estate in Eastern Europe. Marwin Ramcke, Vittorio Di Bello, Carsten Tidow, Ariane Di Iorio

EOS and IFC join forces to purchase non-performing loans and distressed real estate.

3 min.
Sustainable financial sector: EOS and IFC are buying up non-performing loans and distressed real estate so that financial institutions in Bosnia and Herzegovina, Croatia, Serbia and Romania can improve their liquidity faster.
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Financial literacy means responsibility: A girl sits at a laptop and takes part in online learning.

How EOS is committed to a debt-free world.

5 min.
In order to curb excessive personal debt, EOS is taking responsibility and is committed to improving financial literacy in society.
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EOS in the UN Global Compact: At EOS, Sibylle Weingart is responsible for issues of corporate responsibility.

EOS in the UN Global Compact: Taking CR to the next level.

6 min.
Joining the UN Global Compact is helping EOS to devise a strategy for its corporate social responsibility. How can the goals of the initiative be applied to your own business?
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Technology highlights of the EOS Group: overview of all trends.

From analytics to security tools: The tech highlights of the EOS Group.

3 min.
Year after year, EOS invests in new technological trends. Four examples show how EOS clients, and consumers, can now benefit from these technologies.
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EOS Annual Report 2021/22: Secured debt purchase at EOS

Interview: “The secured receivables market is all about relationships”

6 min.
EOS has greatly expanded its expertise in the processing of non-performing secured loans in recent years. Experts from two EOS countries share their experiences and provide insights into two very different markets.
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cellular-telephone, push-button, switch, lighter, appliance

Identity theft: How machine learning protects against online fraud.

6 min.
When goods are ordered under a false name, retailers are often left with the costs. RISK IDENT has developed a software that uses artificial intelligence to put a stop to identity fraud in e-commerce.
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Learn more about our fields of action

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Joint progress

We take on social responsibility within the EOS Group by promoting empowerment, diversity and inclusion, and in society through our educational initiatives.
Learn more about Joint progress
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Environmental protection

As a strong member of the Otto Group, EOS supports the Group’s climate protection strategy, that pursues the Paris Agreement goal of limiting global warming to 1.5 °C. Together we work on implementing targeted measures.
Learn more about Environmental protection
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Financial sustainability

EOS advocates strong, binding industry standards and responsibility guidelines. We apply strict criteria when we price portfolio purchases and make other investments.
Learn more about Financial sustainability
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Additional material and content

Our responsibility. Report as PDF for download.

Download the summary PDF here.
Download now

Do you have questions about our CR strategy? We will be happy to answer them!

Head shot of Christian Emus

Christian Emus

Corporate Development with responsibility for CR


EOS Holding GmbH

Steindamm 71

20099 Hamburg

Germany


c.emus@eos-solutions.com

Headshot Janine Kaiser, Corporate Development with responsibility for CR at EOS

Janine Kaiser

Corporate Development with responsibility for CR


EOS Holding GmbH

Steindamm 71

20099 Hamburg

Germany


ja.kaiser@eos-solutions.com