The image depicts a serene and scenic landscape, likely captured during sunset or sunrise. Key elements in the image include:

1. **Dense Forest:** The foreground is dominated by lush greenery, suggesting a dense forest of trees. The vibrant colors indicate healthy vegetation, and the varying shades of green show diversity in the plant life.

2. **Winding River/Lake:** Nestled within the forest is a winding body of water, either a river or a small lake, adding a tranquil element to the scene. The reflection of the surrounding trees and the sky may be visible on its surface.

3. **Rolling Hills:** Beyond the immediate foreground, the landscape features rolling hills extending towards the horizon, covered with more forested areas. 

4. **Sky:** The backdrop showcases a sky painted with hues characteristic of early morning or late afternoon, such as soft yellows, oranges, or pinks, enhancing the natural beauty of the scene. 

5. **Horizon:** In the distance, the horizon stretches, providing a panoramic view of the area, which may include additional bodies of water or clusters of trees.

Overall, the image evokes a sense of peace and connection with nature, highlighting the beauty of a tranquil, undisturbed environment. This scene likely serves as a habitat for various wildlife and plant species, presenting an ideal space for outdoor activities such as hiking, birdwatching, or simply appreciating the natural landscape.
Investor Relations

Sustainability

General information and reports

Milestones in our sustainability management

DZ BANK was an early advocate of sustainability. Important milestones were:

  • the signing of voluntary commitments such as the UN Global Compact (2008), the Equator Principles (2013), and the Principles for Responsible Banking (2020)

  • the introduction of sustainability assessment procedures in lending (2009), as well as the development of specific sector principles (2011) and the introduction of exclusion criteria (2014)

  • achieving ISS ESG (formerly ISS-Oekom) Prime Status in 2011 for the first time, and maintaining our status ever since. 
The image contains a collage of logos from various organizations and initiatives related to finance, sustainability, and responsible investment. These logos represent:

1. **UNEP Finance Initiative**: A partnership between the United Nations Environment Programme (UNEP) and the global financial sector.

2. **Principles for Responsible Banking**: A framework for sustainable banking that aligns to the UN's Sustainable Development Goals.

3. **GRI (Global Reporting Initiative)**: An international organization that helps businesses, governments, and other organizations understand and communicate their impacts on issues such as climate change, human rights, and corruption.

4. **Equator Principles**: A risk management framework adopted by financial institutions for determining, assessing, and managing environmental and social risk.

5. **ICMA (International Capital Market Association)**: An organization that promotes resilient and well-functioning capital markets to meet investor needs.

6. **Corporate ESG Performance**: A reference to the evaluation of a company's environmental, social, and governance performance, often rated by organizations like ISS ESG.

7. **Climate Bonds**: An initiative promoting investment in projects that mitigate climate change and related impacts, focusing on bonds intended to finance such activities.

Sustainable products

The image depicts a rural landscape setting. 

1. **Wind Turbines**: The most prominent features are several large wind turbines scattered across the field. Wind turbines are used to generate renewable energy by converting wind into electricity.

2. **Green Field**: The foreground shows a green field, possibly a farmland or a natural grass field, emphasizing the natural environment and potentially reflecting agricultural activity.

3. **Person**: A single individual, who appears to be a man, is standing in the field. He is dressed in business attire, wearing a buttoned shirt and trousers. This suggests he may be surveying or overseeing the area, possibly linked to environmental management or energy production.

4. **Clear Sky**: The sky is clear without any clouds, providing a bright backdrop to the scene, indicating good weather.

Overall, the image conveys themes of sustainable energy, nature, and possibly agricultural management or production, highlighting the coexistence of human activity and natural landscapes.

The issuance of DZ BANK's Green Bonds in 2018, 2020, and 2021 was another significant step for DZ BANK. As a member of the Climate Bonds Initiative and the International Capital Markets Association, DZ BANK stands firm for transparency and disclosure in green bonds as well as compliance with specific sustainability loan principles. In 2022, DZ BANK was the lead bank for green, social and sustainable transactions with a total volume of more than € 43 bn making it one of the leading syndicate banks in the sustainable bond market in Germany.  

With a financing volume of about € 6.5 bn in 2022, DZ BANK AG is also one of Germany's largest renewable energies financiers (especially wind power and photovoltaics).  

Group Sustainability Committee

Since January 2023, the Group Sustainability Committee (GSC) at the level of the Board of Managing Directors has focused on the implementation of sustainability in the DZ BANK Group and, going forward, will be the central steering committee within the DZ BANK Group. It replaces the Group Corporate Responsibility Committee (GCRC) (established in 2014). The GSC reports regularly to the Group Coordination Com-mittee, the highest-level management and coordination committee in the DZ BANK Group.

The image depicts a professional business setting, likely during a meeting or presentation in a conference room. The room is brightly lit with large windows allowing natural light to enter.

### Key Elements in the Image:
1. **Participants:**
   - There are six individuals visible in the room, all seemingly engaged in a meeting.
   - The participants appear to be professionally dressed, reflecting a formal business environment.

2. **Presenter:**
   - One woman is standing, holding a tablet or digital device, possibly making a presentation or facilitating a discussion.
   - She's interacting directly with other seated individuals, suggesting she might be leading the meeting or presenting information.

3. **Seated Audience:**
   - The rest of the individuals are seated around a table, actively listening.
   - Two of them appear to be clapping or applauding, indicating a positive reception to something that has been presented or discussed.

4. **Table and Objects:**
   - There is a conference table present with laptops, notebooks, cups, and possibly other typical office materials, supporting the idea of a business meeting.

5. **Gesture and Interaction:**
   - The body language of the participants suggests attentive listening and engagement, with one person clapping.
   - People appear to be interacting in a collegial and positive manner.

This scene is typical of a collaborative and productive work environment, commonly found in corporate offices dealing with business strategy, planning, or reviews.

Publication

The image depicts a serene forest setting. 

1. **Trees:**
   - The scene primarily features lush green trees, suggesting the forest is lively and possibly in spring or summer.
   - Trees vary in size and density, creating a sense of depth and layering in the forest environment.

2. **Forest Path:**
   - A clear, gravel or dirt path winds through the forest.
   - The path splits into two, forming a fork, which adds an element of direction choice or exploration to the image.

3. **Ground Cover:**
   - The forest floor is covered with fallen leaves and light foliage, indicating a natural, undisturbed forest setting.

4. **Lighting:**
   - Sunlight filters through the tree canopy, casting dappled light on the forest path.
   - Bright spots highlight various patches, providing a lovely play of shadow and light.

Overall, the image portrays a tranquil and inviting forest environment, perfect for a leisurely walk or exploration.

Presentation on Sustainability at DZ BANK Group

Find information on sustainability at DZ BANK Group at a glance.

Two individuals, likely in a professional setting, are engaged in a conversation. The image is slightly blurred and appears to be taken through a window or reflective surface. Two individuals, likely in a professional setting, are engaged in a conversation. The image is slightly blurred and appears to be taken through a window or reflective surface.

Contact

If you have any further questions, please contact the DZ BANK IR Team.

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