8. in accordance with paragraph 43 of ESRS 2 SBM-2, the company shall disclose how the interests, views and rights of its Consumers and/or End-users, including respect for their human rights, are integrated into its strategy and business model. Consumers and/or End-users are an important group of affected stakeholders .

AR 3 In accordance with ESRS 2 SBM-2, the company provides an understanding of the extent to which it considers whether its strategy and business model play a role in creating, exacerbating or (conversely) mitigating significant material impacts on Consumers and/or End-users , and whether and how the business model and strategy are adapted to address such material impacts.

AR 4 Although Consumers and/or End-users may not engage with the company at the strategy or business model level, their views may inform the assessment of the company's strategy and business model. The company may provide information on the views of Legitimate representatives of Consumers and/or End-users (actually or potentially) materially affected or Credible proxies who have insight into their situation.

Our sustainability strategy is based on a continuous dialog with our stakeholders, which include customers, business partners, employees, owners and political, economic and social actors. These stakeholder groups are defined and regularly reviewed in line with our corporate mission. The aim is to better understand their needs and expectations in order to align our activities accordingly and drive forward the sustainable transformation in a targeted manner.

A central component of this approach is the regular involvement of our customers. Surveys, including measuring customer satisfaction using the Net Promoter Score (NPS), provide us with valuable insights into their priorities. In addition to general satisfaction, we also measure the perception of our contributions to sustainable development. These results are not only used to optimize our offerings, but also influence our strategic decisions and our Targets and remuneration system.

We also conduct regular employee surveys to measure satisfaction and motivation as well as the quality of cooperation and corporate culture. Open feedback opportunities offer scope for concrete suggestions for improvement, which are directly incorporated into our actions. This dialog not only strengthens employee loyalty to our company, but also supports the implementation of our sustainability goals.

Our networking in the region is strengthened by advisory boards and local initiatives. National and local committees enable us to engage directly with stakeholders and integrate their perspectives into our work. These platforms not only promote exchange on current issues, but also help us to develop concrete actions for sustainable development on the ground.

In addition to the established formats, we have conducted stakeholder surveys to obtain a comprehensive picture of the needs of our stakeholder groups. Private and corporate customers as well as employees expressed clear expectations of a stronger role for our company in the sustainable transformation. In particular, they called for a stronger commitment in the areas of Climate change mitigation, socially responsible development and regional responsibility. This feedback has a significant influence on the further development of our offerings. For example, we have started to develop sustainable financing products such as low-interest loans for environmentally friendly construction projects and green investments.

Through intensive dialog with our stakeholders, we create the basis for continuously improving our sustainability strategy and strengthening our role as a responsible company. We use the findings to design our products and services in line with demand and actively expand our contribution to sustainable development.