Governance

Responsible corporate governance is based on a comprehensive approach that integrates various aspects of our business areas. This begins with our corporate guidelines for business operations and specific guidelines for our investment and lending business. It also includes our ESG targets, sustainability training, and a responsible human resources policy. This framework empowers our employees to integrate sustainability into their day-to-day business.

DZ BANK places particular emphasis on good corporate governance in the sense of effective corporate governance. For us, this primarily means ensuring legal compliance, dealing appropriately with risks, protecting the reputation of our company, and promoting transparent decision-making processes.

An individual holding a tablet or electronic device in an office or workspace setting. The background features modern office furniture and design elements.

Compliance

An important basis for responsible corporate governance is ensuring compliance with the law.

The image depicts a serene and tranquil scene, where a person is sitting in an outdoor setting, likely on a porch or patio area, facing a lush garden. The individual appears to be working or engaged with a laptop, suggesting they might be enjoying remote work or leisure time surrounded by nature.

Here are key elements seen in the image:

1. **The Setting:**
- The background consists of vibrant green foliage, including trees and garden plants, providing a peaceful and natural environment.
- The area seems to be part of a residential setting, possibly a home or retreat, as indicated by the surrounding patio and framework.

2. **The Person:**
- The individual is seated on the ground or a low platform, engrossed in activities on their laptop.
- They have medium-length hair and appear to be wearing casual clothing suitable for a relaxed day.

3. **Mood and Atmosphere:**
- The overall feel of the image is calm and relaxing, with the harmonious blend of nature creating a welcoming environment.
- It evokes a sense of work-life balance, emphasizing focused work amidst a peaceful and refreshing setting.

This image is ideal for illustrating themes of remote work, mindfulness, relaxation, and the integration of nature into everyday life.

Code of Conduct

DZ BANK's Code of Conduct provides the foundation for a legally compliant and ethically oriented sustainable corporate culture. The Code of Conduct combines internal principles and external market standards and reaffirms our commitment to sustainability.

The image depicts a breathtaking aerial view of a landscape at sunrise or sunset.

**Elements observable in the image:**

- **Curving Rivers**: Several curving or winding rivers can be seen stretching across the landscape. These water bodies reflect the sunlight and form striking patterns in the land.
- **Lush Greenery**: Dense greenery and forestry surround the rivers, indicating a natural and possibly untouched environment.
- **Sunrise/Sunset**: The sun is positioned low in the sky, suggesting this image was captured either during sunrise or sunset. Rays from the rising or setting sun cast a warm, golden-orange hue over the scene.
- **Misty Atmosphere**: Mist or clouds hover above the river edges, adding to the ethereal and serene quality of the landscape.
- **Hills or Mountains**: Gentle hills or mountains can be seen in the background, accentuating the sense of depth in the image.

**Overall Impression**:
- **Serene and Majestic**: The image evokes a sense of tranquility and awe with its captivating blend of water, land, and light.
- **Natural Beauty**: The untouched beauty of nature is prominently displayed through the intricate patterns formed by rivers and the harmonious play of sunlight.

**Purpose and Application**:
- Could be used for landscape photography exhibitions, conservation campaigns, or as a background for nature-inspired experiences.

Sustainablity Ratings

For several years, the DZ BANK Group has been one of the leading financial service providers in the field of sustainability. This is regularly confirmed by the sustainability ratings of renowned rating agencies.