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  7. Responsible Corporate Governance

Responsible Corporate Governance

With the help of our corporate governance, we create a regulatory framework that covers all legal aspects and operational principles.Our practical understanding of integrity and ethical business is clearly stated in our Code of Conduct which applies throughout the DZ BANK Group and is binding for all employees. It combines our internal principles with external market standards and reaffirms our commitment to sustainability.

Sustainability and responsible corporate governance benefit us all: the climate, the company, our customers and partners, and each and every one of us.

Stefan Heckerodt, Sustainability Officer at DZ HYP

Requirements for sustainable, economic management:

  • Compliance with all applicable legal requirements and provisions, regulations, voluntary commitment as well as internal guidelines.
  • Responsi­ble management of risks (risk management)
  • Protection of the Bank’s reputation, and the implementation of transparent business processes.
  • The standards set out in DZ HYP's current credit risk strategy and internal review processes with regard to money laundering apply to lending. DZ BANK Group has also defined rejection criteria for lending that apply throughout the Group.

 

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Risk Management

Climate change is the most pressing of the many challenges our global economy is facing today. That is why the DZ BANK Group has defined climate-related and environmental risks as major risk factors. Appropriate structures have been implemented to identify relevant risks early on, to assess financial implications and to implement measures for avoiding or mitigating these risks.

As regulators have pushed for better integration of ESG factors into risk management, we have implemented the following measures in the past years, which we continue to align with new insights and new requirements. We have:

  • Integrated climate-related and environmental risks in its governance and framework
  • Established methods for calculating financed emissions (carbon accounting) and for assessing financed emissions in our real estate portfolio using reference pathways established in the market (climate alignment)
  • Developed a scorecard for the physical and transition risks associated with climate change
  • Derived reliable risk indicators for DZ HYP’s reporting
  • DZ HYP sustainability ranking for municipalities 
     
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What we do


When they join the Bank, all employees receive training on legal rules, internal arrangements as well as the methods applied regarding the prevention of money laundering, terrorist financing and criminal acts. 

They are required to take refresher courses every two years or whenever their duties change. A system for reporting suspicious activities is in place.