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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.

How EOS protects sensitive data

Data are the business foundation of the EOS Group. This is why we employ around 120 people across the Group to constantly improve data protection and information security. The data of our defaulting payers and clients is sensitive, and protecting it is our highest priority. We are aware of this digital responsibility and continuously develop our data protection standards and cybersecurity. The companies of the EOS Group strictly comply with all applicable data protection laws, including the EU General Data Protection Regulation (GDPR).

Close up of a man going through a data analysis on a tablet

Helping to shape our sector

The EOS Group is involved in 23 European debt collection associations and various initiatives to help create strict and binding standards and responsible guidelines in the debt collection sector. 

To eliminate irregularities, the EOS Group also operates a platform that offers whistleblowers a protected space and is integrated in the mechanism of the Otto Group. There, employees, suppliers, service providers and customers can report compliance violations at EOS and in the Otto Group.

EOS in the UN Global Compact: Sibylle Weingart at EOS.

Association work for high standards

Through its membership of numerous national and international associations, EOS is actively working to help design and implement ethical standards in the industry.

Responsible portfolio growth through trusted partnerships

The business in non-performing loans calls for a high degree of responsibility. As part of a family company, the Otto Group, we are also mindful of pricing that meets the interests and ethical standards of all parties in the long term. A testament to this approach, and a key pillar for EOS in stabilizing the financial system, is our successful cooperation with the International Finance Corporation (IFC), a member of the World Bank Group, since 2022. The joint venture aims to responsibly acquire NPLs in Croatia, Serbia, Romania, Bosnia and Herzegovina, Poland, and Bulgaria. This helps both consumers and financial institutions restore their creditworthiness and strengthens the respective country’s banking sector, all in line with the IFC’s environmental and social standards.

When choosing partners and customers, EOS also applies strict criteria. This includes not just the regular checks of partners and companies in respect of how they handle issues like human rights, money laundering and corruption, but also an industry blacklist.

Our Code of Conduct for service providers, which contains the UN SDGs and clauses from the Supply Chain Duty of Care Act, ensures fair handling by and with suppliers.

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

Our Code of Conduct: Clear rules for fair interaction

With our Code of Conduct we are creating binding obligations for ourselves in respect of our day-to-day activities. The defined principles of the conduct are a reliable point of reference for our employees, customers and partners and are accessible to everyone on the websites of the EOS companies. We are constantly refining the Code of Conduct. What is special about it is that it closely reflects the reality of the target group for which it was created. To complement this document we are offering our employees learning modules on this topic.

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