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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

(Digital Responsibility & Cyber Security)

Data are the business foundation of the EOS Group. This is why we employ around 90 people across the Group to constantly improve data protection and information security. With the help of monitoring tools, we were able to identify and stop around 600 attempted attacks in 2022/23 alone. As part of the new “Iron EOS” program, we are currently establishing a protection system that will enable us to respond not just quickly but also in a coordinated way across the entire Group.

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

Helping to shape our sector

(Business Ethics & Safeguard Compliance)

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. None of the five cases reported in 2022/23 were substantial or necessitated a countermeasure.

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 Acquisition of Portfolios & Partnerships: Solid Values for Collaboration

The non-performing loans sector requires a high level of accountability. As part of a family-owned company, the Otto Group, we also focus on pricing that respects the long-term interests and ethical standards of all parties. For example: in partnership with the International Finance Corporation (IFC), a subsidiary of the World Bank, EOS will invest over 100 million euros in non-performing loans and real estate in Eastern Europe over the next three years, in accordance with ESG (Environmental, Social, and Governance) standards. 

EOS also applies strict criteria when selecting its partners and clients. This includes not only periodic reviews of partners and companies regarding how they handle issues such as human rights, money laundering, and corruption, but also an industry-specific blacklist.

The Code of Conduct for service providers, which incorporates the UN’s SDGs and provisions from the Supply Chain Due Diligence Act, ensures a fair approach by and in collaboration 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

Code of Conduct: Clear Rules for Fair Interaction

The Code of Conduct establishes obligations that we must fulfill in our daily work. The principles of conduct it defines serve as benchmarks of trust for our employees, customers, and partners, and are available to everyone on the EOS companies’ websites. We are constantly refining the Code of Conduct. What makes it so appealing is that it closely reflects the reality of the target group for which it was created. To complement this document, we offer our employees training modules on this topic.

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CSR overview