#Stronger Clients
Strengthening the financial health of our clients
has been our goal since the founding of Česká spořitelna. Financial health is a pillar of Česká spořitelna's strategy, differentiates us from others and is a key prerequisite for long-term prosperity.
- We offer individualized advice and high added-value solutions.
- W help with savings housing and state subsidies. We help clients learn what measures are appropriate for their property and how much it will cost them. We will provide the appropriate financing method with the energy-efficient housing loans from Buřinka and Mortgage for the Future. The subsidy team will explain everything about subsidies and advise clients on how to apply.
- We help you invest responsibly. We want to channel money in a way that promotes positive change in society. That's why we offer our clients the opportunity to invest in financial products that minimize negative impact on the environment and society.
- We actively monitor and improve the financial health of companies to help create a stable business environment.
- We guide Czech companies through sustainability. We offer them advice on emissions reduction, financing and online carbon footprint calculators, photovoltaics and electromobility.
- We help clients navigate the world of ESG and explain the benefits of ESG principles for the competitiveness and resilience of their business (reducing energy intensity, access to subsidies, digitalization, etc.).
We offer comprehensive consultancy for the public sector, also advising on subsidies.
A responsible approach to finance
We take an active approach to managing the sustainability of our loan portfolio and focus on reducing our carbon footprint and eliminating the impact of our clients' activities on the environment. We also focus on cybersecurity and financial crime prevention.
We pay particular attention to ethical, social, and environmental considerations when making investment or lending decisions. We are guided by our Responsible Finance Policy, which sets out rules for financing sectors with an adverse impact on the environment and society, such as the energy or arms industries.
We measure the carbon footprint of our loan portfolio and set decarbonization targets in key, most emissions-intensive sectors. To meet the targets, we need our clients to reduce their carbon footprint, which we will support in this endeavor through advice and by financing sustainable investments.
We assess the sustainability of our purpose loans in line with the EU taxonomy methodology.
We do everything we can to keep our clients' data and finances safe. We carry out frequent security audits and assessments, and strictly comply with laws and internal policies to protect clients as well as policies for processing personal data. We pay special attention to the prevention of financial crime.