We Grow Sustainably
for the Future
Sustainability Report
Tomáš Spurný
At MONETA, sustainability is more than a response to regulation - it’s an integral part of our approach. Since becoming a publicly listed company in 2016, we have incorporated ESG principles into our strategy and operations. Even before the introduction of new European ESG regulations, MONETA recognized that climate change presents financial risks that require careful management.
We have developed an ESG strategy that is clear, transparent, and grounded in realistic objectives. Supported by both the Management and Supervisory Boards, our targets are linked to performance and compensation, ensuring that sustainability considerations are integrated into decision-making.
Over time, we have adjusted our ESG KPIs and reporting practices to balance detailed technical requirements with clearer communication aimed at a wider audience. Although interest in ESG topics has fluctuated, MONETA maintains the view that sustainable banking is important - not only from a business perspective but also for the broader communities we serve.
Adéla Malinová
Senior Manager Sustainability
All banks in the EU are expected to align with ESG standards under regulations like the EU Taxonomy and CSRD, reshaping how risks are assessed and sustainability is reported.
At MONETA, ESG is not just about compliance - it’s a key part of our strategy. Since 2016, we’ve built a comprehensive ESG approach, including a Sustainability Strategy aligned with the UN SDGs and a Double Materiality Assessment to prepare for CSRD reporting. While data quality remains a challenge, especially in non-financial areas, we continue to strengthen our internal capabilities. In 2024, we updated our ESG Strategy with a stronger focus on climate risks, digital resilience, inclusive employment, and responsible governance.
We aim to be a trusted, innovative partner to clients and a responsible employer committed to employee development and wellbeing. With top ratings from MSCI, CDP, and Sustainalytics, MONETA remains dedicated to transparency, impact, and long-term value creation.
Sustainability Strategy
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We are rated by several international ESG rating agencies. Their results serve as feedback and motivation for further development and direction in the ESG area. The ratings from the three main agencies, MSCI, Sustainalytics and CDP, are also included in our new targets. We strive for openness and accountability. We want to go beyond legal requirements (including CSRD and the Taxonomy Regulation) and voluntarily disclose material information about our ESG profile.
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At the heart of our environmental strategy is monitoring and reducing our own carbon footprint and transparent reporting on the emissions of our financed portfolio. We have also set targets for this area for 2030. Energy-efficient technologies, electromobility and green electricity are key to achieving these targets. At the same time, we are constantly expanding and refining the calculation of the carbon footprint of our financed portfolios and offering our clients a wide range of sustainable loans.
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Our social responsibility strategy has long focused on equality, diversity and inclusion, complemented by a strong position in philanthropy. Our medium-term and long-term goals include the percentage of women in management and executive roles, fair remuneration, support for returning from parental leave, and the number of trainee programme graduates. At the same time, we strive to make our branches and ATMs accessible to all. Through the MONETA Clementia Foundation, we support non-profit organisations, gifted students and children from children's homes.
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As a highly regulated company, it is essential for us to ensure that all our employees are familiar with our values and code of ethics and comply with them in full. We pride ourselves on transparent and robust management processes and the timely identification and assessment of all physical and transitional risks.
Individual aspects of the ESG strategy are incorporated into the remuneration of Management Board members and evaluated annually.
United Nation’s Sustainable Development Goals
Double materiality analysis
Biodiversity and Ecosystems
- Direct impact drivers on biodiversity loss: Investments in land-modifying activity-agriculture
Own workforce
- Working conditions: Flexible working hours, Additional time off and Parental support programmes
- Equal treatment and opportunities for all: Training and skills development; Gender equality and equal pay for work of equal value
Consumers and end-users
- Information - related impacts for consumers and/or end-users: Access to quality information
- Personal safety of consumers and end-users: Cybersecurity
Business Conduct
- Protection of whistleblowers: Protection of whistleblowers
- Corruption and bribery: Prevention and detection including training
- Corporate culture: Systemic risk management, ESG criteria in operations and value chain
What do we want to achieve in sustainability
| Base year 2021 | 2024 | New target (Target year) | |
|---|---|---|---|
| Index MSCI ESG – rating to be maintained | AA | AA | AA (2030) |
| Sustainalytics ESG rating – to be maintained, keep LOW RISK | 17.81 | 17.5 | <20 (2030) |
| CDP rating – to be maintained | C | B | B (2030) |
| Emission reduction in Scope 1 and 2 compared to 2016 | 70 % | 88.8% | 90 % (2026) |
| Minimum share of electric vehicles in company fleet every year | 21 % | 83 % | 80 % (2030) |
| Minimum reduction of total energy consumption (MWh/year) compared to base year | 25.565 | -44.1% | -40 % (2030) |
| Minimum share of energy from renewable resources every year | 44% | 60.3% | 60% (2030) |
| Share of women in MONETA’s management* | 40% | 40.5% | 50 % (2026) |
| Share of women in MONETA’s executive positions every year** | 33% | 40% | 40% (2026) |
| Average Gender Pay Gap | 1.98% | 1.44% | <1 % (2030) |
| Annual return rate from parental leave (12 months retention rate) | 73 % | 90% | 90% (2030) |
| Participants of the Trainee programme | N/A | 29 | 40 (2030) |
| Share of employees working reduced hours | N/A | 14.2% | 15% (2026) |
| Wheelchair-accessible ATMs | 92% | 92.5% | 95% (2030) |
| Wheelchair-accessible branches | 75.5% | 76.9% | 85 % (2030) |
** Management and Supervisory Board
MONETA at glance
5.8 billion CZK
Net profit
1.6 million
Clients
2 587
Employees
Our achievements
