• The image shows a person standing on what appears to be a rooftop garden or balcony, tending to plants. The background features several modern apartment buildings and a clear sky with scattered clouds.
    The image shows a person standing on what appears to be a rooftop garden or balcony, tending to plants. The background features several modern apartment buildings and a clear sky with scattered clouds.

    DZ BANK

    Sustainability

The Operational Ecology of Our Branches

Sustainability is not only a factor in DZ BANK’s core business. DZ BANK addresses environmental issues through its business operations as part of a wide range of activities, such as increasing the proportion of green electricity used or reducing the amount of waste sent for incineration (see below).

The Development of Our Operational Environmental Indicators

Since 2014, operational ecology matters have been addressed by the Environmental Competence Centre (KCU) in collaboration with the companies of the DZ BANK Group. The KCU’s responsibilities include managing the Group’s climate strategy, as well as the annual collection and analysis of environmental data and the development of specific measures. These include, amongst other things, the use of green electricity and district heating, monitoring energy efficiency in office buildings, and the development of alternative mobility concepts.

All figures reported below relate to DZ BANK in Germany and include all locations in Germany.

A key component of the environmental and climate strategy is the collection of environmental data. This data forms the basis for identifying significant environmental aspects, determining potential opportunities and environmental measures, and managing greenhouse gas emissions. The calculation methodology was carried out in accordance with the European Sustainability Reporting Standards (ESRS).

FTE = Full Time Equivalent (all employees converted to full-time employees)

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  • The image depicts a panoramic view of a cityscape with a prominent roadway in the center, lined with thriving green trees and lush foliage on both sides, giving a vivid contrast between urban elements and nature. The city buildings in the background rise above the treetops, hinting at an urban setting interspersed with nature—likely illustrating the harmonious blend of urban living with natural surroundings. The scene is bathed in soft sunlight that could suggest either a morning or afternoon glow, adding a tranquil and serene atmosphere to the image.

    Mobility

    Mobility is essential to our operations. As a central bank, we support the business activities of the independent cooperative banks, including through on-site visits. Face-to-face interaction with our customers and stakeholders remains important even in the age of digitalisation and virtual meetings. DZ BANK’s aim is to further reduce CO₂ emissions from travel. Public transport is the preferred mode of travel for business trips.

    In the area of electric mobility, the conversion of the vehicle fleet to environmentally friendly electric vehicles is being actively pursued. By the end of 2025, 139 of 425 vehicles were already either fully electric or hybrid vehicles. The complete switch to electric vehicles is planned by 2035.

    DZ BANK supports its employees in commuting between home and work by public transport in the form of a travel allowance. Since September 2020, DZ BANK has also been offering its employees the option, through ‘DZ-Rad’, to convert parts of their salary into a bicycle lease. To date, over 1,400 bicycle leasing contracts have been concluded at DZ BANK. The proportion of public transport users stood at 68.1 per cent in 2025.

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