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Sustainability at PPF

PPF Group has a track record of creating and running businesses that represent real value for customers and inspire and cultivate markets and industries. Sustainable value creation allows the benefi ts of such entrepreneurship to be shared with communities and society in general to enhance their prosperity.

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In 2025, PPF continued to advance its sustainability agenda across all sectors, with an emphasis on innovation, digitalisation, and the transition to a low-carbon economy. From expanding renewable energy use and improving energy efficiency to promoting circular principles and responsible supply chains, the Group integrates environmental and social considerations into its operations to shape a more sustainable future.  

People are central to PPF’s business. The Group’s diverse and highly skilled workforce drives performance and innovation, underpinned by a culture built on integrity, inclusion, and high ethical standards. PPF companies continue to be recognised as some of the Czech Republic’s most attractive employers, reflecting the strength of our inclusive and engaging workplace culture. 

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PPF’s telecommunications businesses in the Czech Republic, Slovakia, Bulgaria, Hungary, and Serbia provide reliable and accessible connectivity for individuals and companies, delivering trusted and secure digital experiences that foster an inclusive digital society. 

Sustainability is integrated into operations and supply chains, alongside a focus on digital inclusion and employee wellbeing. PPF’s joint venture with e& Group unlocks new opportunities for innovation and sustainable growth.

In 2025, the Group stepped up investment in network expansion and digital technologies, while further intensifying efforts to reduce energy consumption and carbon emissions. CETIN Czech Republic achieved annual electricity savings of 15.6 GWh through efficiency upgrades, and e& PPF Telecom Group increased its share of renewable electricity to 50%, primarily through green energy purchases in Bulgaria and Serbia. With science-based decarbonisation targets validated by the Science Based Targets initiative (SBTi), e& PPF Telecom Group achieved a CDP Leadership rating of A-.

Digital inclusion remains a core priority. The O2 Smart School programme trained 87,000 people in the Czech Republic, Yettel Bulgaria introduced a fully digital customer journey for faster, easier service access, and CETIN Hungary supported initiatives encouraging young women to pursue careers in STEM fields.

Circular economy initiatives aimed at keeping materials in use and reducing waste prevented 170 tonnes of e-waste from entering landfill, including 28 tonnes of devices collected through a recycling campaign run by Yettel Serbia. Responsible supply chain management was strengthened across all markets through a risk programme covering more than 5,000 suppliers. In 2025, 1,000 higher-risk suppliers completed self-assessments, resulting in around 600 follow-up actions.

The Group also continued to enhance data protection and cybersecurity. Yettel Hungary achieved NIS2 certification, while O2 Slovakia made further progress in the responsible adoption of artificial intelligence. Employee health, safety, and well-being remained a priority, reflected in CETIN Serbia attaining ISO 45001 certification.

Innovation in product design continues to reduce vehicle weight and energy consumption, as demonstrated by newly developed 200 km/h trains for Arriva and new trams for Kassel.

Ongoing optimisation of subsystems and components further improves efficiency, extends service life, lowers production and operating costs, and reduces overall energy demand. Material selection increasingly prioritises recyclability and the use of responsible suppliers. 
Digital solutions, including Energy Consumption Management, Automatic Train Operation, Predictive Maintenance, Fleet Management, and Smart Depot, improve vehicle operation, service planning, and asset utilisation, contributing to lower energy consumption and a reduced carbon footprint. Demand for Smart Depot and Smart Cities solutions (telematics, heat maps, fleet management) continues to grow, helping cities to cut energy and operating costs.
Significant efficiency gains have also been achieved in HVAC systems through the introduction of new inverter-based control, heat-pump integration, and intelligent ventilation management. These measures reduce energy consumption and operating costs by up to 30 % and contribute to broader sustainability objectives.
Škoda Group continues to invest in sustainable technologies, including battery-powered trains equipped with highly efficient silicon carbide (SiC) traction converters, innovations in electric buses featuring lightweight, high-efficiency drives, the development of LTO batteries for rail applications, and new control systems that meet the highest functional safety and cybersecurity standards.  

Read more about sustinability at Skoda Group

PPF Group’s financial services division serves a wide range of customers. We empower the underbanked through Home Credit, lead digital banking with Air Bank and Mobi Bank, support companies through PPF Bank, and enable fintech through ClearBank.

PPF retail finance businesses’ dedication to responsible lending has long been recognised, with Air Bank, Zonky, and Home Credit Czech Republic having been ranked among the top companies in the Responsible Lending Index compiled by the NGO People in Need for several years.  

Financial and digital literacy remain key focus areas. Digitalisation is opening up new opportunities, and financial education has been integrated into an app rolled out by Home Credit Vietnam. In recognition of these and other initiatives, Home Credit Vietnam won a Global CSR & ESG Leadership Award and was ranked among the Top 10 Sustainable Companies in Vietnam in the Trade and Services sector.  

PPF banka and Air Bank continued their involvement in the Bankers Go To School project in association with the Czech Banking Association (CBA), supporting a campaign to raise awareness of cybersecurity best practices. In parallel, the Group initiated the implementation of obligations arising from the EU Artificial Intelligence Act. An internal policy has been adopted that sets out the basic framework for managing AI-related requirements and Group-level standards, and provides guidance on the responsible use of AI across all entities, including those operating outside the EU. 

Responsible finance, naturally, goes beyond customer experience and extends to environmental considerations. Home Credit Czech Republic offers discounted loans for energy-saving technologies and green home upgrades, as well as financing for electric vehicles. At the same time, PPF banka continues to collect and analyse data in order to assess climate-related risks that could impact its portfolio.  

Climate action is central to ClearBank’s business model. By combining operational efficiencies, renewable-energy adoption, and investment in low-carbon technologies, ClearBank has reduced its carbon intensity by 51% since the 2022 baseline year, and has committed to a 97% reduction by 2040, with a near-term goal of 75% by 2030. This commitment is guided by the Science Based Targets initiative and the Transition Plan Taskforce framework, with accountability supported by robust governance and active supplier engagement. ClearBank also collaborates on industry initiatives, such as Bankers for Net Zero and Project Perseus, to accelerate systemic action. By aligning sustainability with innovation, ClearBank delivers long-term value for clients and investors, empowering businesses to thrive in a changing world. 

Read more about sustainability at Home Credit

CME is the leading producer and broadcaster in the CEE region, reaching nearly 49 million viewers across television and streaming platforms.

Through its CME Cares sustainability initiative, the Group promotes content that is socially responsible and environmentally sustainable. A particular emphasis is placed on accessibility, with continued expansion of subtitled and audio-described content for viewers with hearing and visual impairments. 

The third Green Week, held across six countries in June 2025, highlighted sustainability through dedicated editorial coverage focusing on areas such as transport, recycling, energy, biodiversity, food, and water. The campaign reached nearly 24 million viewers, including 8 million during primetime and 3.5 million via social media, and engaged over 1,500 employees, 26 business partners, and 34 NGOs.   

CME is a member of the Responsible Media Forum (RMF), a partnership of leading media companies established to identify and address the social and environmental challenges facing the sector. Under the Sustainable Producer pillar of CME Cares, CME has embedded green practices into its production processes. As a member of BAFTA albert, CME uses carbon calculators, production roadmaps, and recognised green filming methodologies.    

In 2025, CME was awarded Best Sustainability Project or Initiative at the CSI Awards in Amsterdam. The winning project, Sustainability in Video Streaming, was a collaborative research and advisory undertaking delivered in partnership with Accedo, a global leader in video solutions and software. Through in-depth user research, interactive workshops, and strategic consultancy, the project examined audience attitudes towards eco-conscious media consumption. The findings directly informed the launch of a sustainability badge on CME’s VOYO platform in Croatia, highlighting content produced in line with BAFTA albert-certified guidelines – a first-of-its-kind feature in the Central European streaming market.

Read more about CME’s sustainability strategy
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Changing temperature patterns, high energy prices and tightening regulatory requirements make the energy performance of buildings a key strategic priority and a key responsibility.

Energy performance and carbon footprint are key sustainability priorities within the real estate sector. For each asset, PPF Real Estate has developed a ten-year plan focused on renovation and the deployment of innovative technologies to further improve performance in these areas. This plan, updated annually to reflect evolving market standards, applies to all existing and newly acquired projects, guided by Green Building Certifications, EU Taxonomy, and SBTi benchmarks. The Metropolis Center office building in Bucharest is the first in the portfolio to achieve full EU Taxonomy alignment. 

In the design phase, PPF Real Estate incorporates advanced green building principles, starting with upfront life-cycle assessment (LCA) calculations of embodied carbon and extending through to the operational stage. A flagship example is the Arc Development project in Romania, scheduled for completion in 2026. This project is designed to achieve a low whole-building life-cycle carbon intensity of 360 kg CO2e/m2/year, in line with SBTi’s most stringent recommended pathway. Design features such as optimised window-to-wall ratios, advanced building technologies (including cooled slabs) that minimise building energy demands, and on-site renewable energy generation help the building to significantly exceed Nearly Zero Energy Building standards. The project is targeting LEED Platinum certification, EU Taxonomy alignment, and recognition as Bucharest’s first net-zero office building.  

Property management also presents opportunities for energy savings. For example, advanced smart energy management systems are currently being implemented across the portfolio in the Netherlands and are planned for rollout to other assets throughout Europe.

Learn more about Seal House project
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SOTIO, biotechnologická část skupiny PPF, se zaměřuje na inovativní výzkumné projekty v rané fázi vývoje.

Investicemi do špičkových programů a jejich systematického rozvoje usiluje o zavádění účinných metod léčby rakoviny do klinické praxe a významné zlepšení života pacientů. 

Přístup založený na odbornosti a inkluzi je základem pro nábor a udržení vysoce kvalifikovaných zaměstnanců. PPF a SOTIO podporují iniciativy zaměřené na motivaci dívek a žen ke studiu a kariéře v oblasti přírodních, technických a matematických věd (STEM), včetně aktivit Women in Biotech organizovaných britským sdružením Bioindustry Association.