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Sustainability
Together, we are shaping the transition to a more sustainable economy - for people, the environment and regions.
Sustainability and regionality have been part of the Volksbank's business model for more than 170 years.
Our cooperative identity and sustainability values are distinguishing features of VOLKSBANK WIEN AG. And it is precisely in these turbulent times that we deliberately choose to remain a regional bank. In this way, VOLKSBANK WIEN AG supports the long-term economic success of its customers in the region. The core elements of the activities of VOLKSBANK WIEN AG are trust, customer focus and regionality, making it a “relationship bank” in the truest sense of the word: from the region for the region.
Short version sustainability strategy (PDF)
(Consolidated) non-financial report VOLKSBANK WIEN AG 2025
VOLKSBANK WIEN AG has prepared non-financial reports in accordance with NaDiVeg (Nachhaltigkeits- und Diversitätsverbesserungsgesetz, Austrian Sustainability and Diversity Improvement Act) since 2017. The 2024 report was already based on ESRS standards. For the 2025 fiscal year, the sustainability report - based on the ESRS report of the Association of Volksbanks and following NaDiVeg criteria - was published for the first time as part of the annual report. As in the previous year, the Green Asset Ratio (GAR) was reported and - at the level of the Association - the comprehensive taxonomy reporting forms were applied, both quantitatively and qualitatively.
The (consolidated) non-financial report of VOLKSBANK WIEN AG was published on 25 March 2026 as part of the annual report.
The (consolidated) non-financial report contains all information required under NaDiVeG regarding policies, performance and risks in the areas of environment, social issues and employee matters, respect for human rights, and fight against corruption and bribery.
Non-financial statement of Volksbank Wien AG (please refer to: annual report 2025, management report)
Download Report VOLKSBANK WIEN AG (PDF)
Further details can be found in the Association of Volksbanks’ non-financial statement for the year 2025. References in the (consolidated) non-financial statement of VOLKSBANK WIEN AG to the Association’s non-financial statement arise from the fact that Volksbank Wien is part of the Association, within which key sustainability issues are managed centrally and presented in a standardised manner. A large part of the information – for example, on strategy and risks – relates not only to an individual Volksbank but to the entire Association and is therefore disclosed in full in the Association’s non-financial statement. VOLKSBANK WIEN AG’s individual report supplements this content with specific, bank-related aspects.
Non-financial statement of Association of Volksbanks (please refer to: annual report 2025, association management report)
Principles, Management and Partners
The Volksbanks were founded as cooperatives over 170 years ago. At that time, small businesses, craftsmen and farmers, in particular, had hardly any access to banks and thus to capital that was essential for survival. The solution was to help people help themselves by voluntarily joining forces and supporting each other. True to the motto “Many little forces unite to make one big force”, under which the first cooperative banks were founded.
Cooperatives are sustainable because they think and operate with a long-term perspective, and with a mission to benefit their members without being driven by short-term shareholder value. They are built on proximity and personal contact and are deeply rooted in the region and among the people who live there. Hence, they strengthen regional economic cycles – Volksbanks financing local SMEs, for example. Regionality and sustainability are therefore firmly anchored in the Volksbanks’ DNA.
Our cooperative approach
At VOLKSBANK WIEN AG, the focus is on customers, partners and employees. We want to act in a responsible, sustainable, entrepreneurial, fast and flexible way. We respect human rights and disapprove of any form of discrimination. Anti-corruption measures are of high priority at VOLKSBANK WIEN AG. These basic principles are set down in our Code of Conduct and are honoured by all our employees.
Sustainability is the future
Sustainable development is equivalent to future viability. It means adapting to significant social, ecological and economic trends already today. Hence, VOLKSBANK WIEN AG is convinced that acting in a sustainable way is associated in the long run with economic success.
As a fixed component of the cooperative Association of Volksbanks sustainability management is implemented in the regional structures. Responsibility for the region and its people is of high strategic priority, forming the basis of the future success of the “relationship bank”.
In 2018, VOLKSBANK WIEN AG joined the United Nations Global Compact. By committing to the 10 principles of the UN, the bank emphasizes the importance of corporate responsibility and sustainability within the scope of its business activities.
VOLKSBANK WIEN AG started publishing sustainability reports in line with the criteria of the Austrian Sustainability and Diversity Improvement Act (NaDiVeG) in financial year 2017. As basis for the (consolidated) non-financial report, the materiality analysis was completely overhauled in 2025, taking into account the entire value chain - from financial capital and expertise as input, to the core business, and to the output in relation to customers and employees. With Volksbank Wien’s non-financial report 2025 information on the topics climate change, biodiversity & ecosystems, own workforce, consumers and/or end users and corporate policy is disclosed. As in the previous year, the Green Asset Ratio (GAR) was reported and the extensive taxonomy reporting forms were applied quantitatively and qualitatively.
A spirit of partnership is central to the activities of VOLKSBANK WIEN AG – with customers, among employees, and with product suppliers. Accordingly, within the scope of the sustainability report, the product supply chain of VOLKSBANK WIEN AG was analysed and the cooperation with product partners as well as their activities in the sphere of sustainability management were examined. The range of sustainable products and cooperations is being continuously expanded.
Product Partners
The Volksbanks have been working together with institutions of “Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken” for many years. The cooperation was further reinforced through the sale of Volksbank Invest KAG to Union Investment Services Bank AG in 2015, and in the area of consumer financing, Volksbanks are cooperating successfully with TeamBank. The successful cooperation with the product partners ERGO, TeamBank and Union Investment was continued in 2025.
ERGO Versicherung AG has been the insurance partner of VOLKSBANK WIEN AG since 1985. Through the partnership with ERGO, Volksbanks can offer a comprehensive range of financial and insurance products from a single source. Customers benefit from bespoke solutions, direct access to experts in both fields, and efficient advisory services via the Volksbank branch network.
Union Investment – award-winning fund partner
As competent partner of the Volksbanks, Union Investment has over 65 years’ experience in investment management. Clients benefit from a wide range of investment funds, bespoke solutions and professional support with financial planning and investment strategy. Independent experts confirm that sustainability is one of Union Investment’s core competences.
Further information on sustainability
Sustainability rating
Sustainalytics - one of the leading ESG rating agencies – assessed VOLKSBANK WIEN AG and classified the ESG risk as low. After the last rating update, Volksbank Wien’s ESG Risk Rating Score currently is 13.9.
Code of Conduct
The Code of Conduct of VOLKSBANK WIEN AG is an essential component of our corporate culture. All employees of VOLKSBANK WIEN AG as well as the entire management are committed to this Code of Conduct. Each individual Association member bank has its own Code of Conduct.
Suppliers and partners: Our established standards are applicable not only to internal processes but also to our external partners and suppliers. We expect all external parties who interact with the bank to respect and support the principles of our Code of Conduct.
Policy Statement on Offering Responsible and Sustainable Products
VOLKSBANK WIEN AG places the needs and trust of its customers at the center of its actions. This statement of principles provides the framework for responsible advice and the careful handling of financing and investment products. Clear internal processes and defined points of contact help to receive and address concerns and to continuously implement improvements in the interests of customers.
Policy statement of the managing board of VOLKSBANK WIEN AG on the protection of human rights
The management board of VOLKSBANK WIEN AG, the central organization of the Association of Volksbanks, has adopted a policy statement on the protection of human rights. The Volksbanks view themselves as responsible employers and providers of products that proactively protect human rights. A sustainable business model is essential for future success, and respect for human rights is considered a core aspect of the Volksbanks’ corporate governance.
VOLKSBANK WIEN AG has an influence on human rights through its role as employer and as user and provider of products and services, and proactively assumes this responsibility as part of its corporate duty of care. The bank considers a business model based on sustainability to be essential for a continued successful development in the future. Respect of human rights represents a core element of responsible corporate governance for VOLKSBANK WIEN AG.
VOLKSBANK WIEN AG expects its suppliers and partners to respect human rights and to act in accordance with both ethical standards and legal requirements. These expectations are defined in the Code of Conduct of VOLKSBANK WIEN AG, which applies to the entire Association of Volksbanks.
Disclosure of sustainability risks
You will find the disclosure of sustainability risks here.
Sustainability Bond Framework
You will find the documents regarding the sustainability bond framework here.
CSR Reports archive
Find here the Corporate Social Responsibility Reports of VOLKSBANK WIEN AG and of the Association of Volksbanks.
Sustainability-oriented investment
Strong together: Memberships
For VOLKSBANK WIEN AG, sustainability also means to set priorities together with others, both internally and externally. By specifically selecting the organisations it joins, the bank demonstrates its dedication and commitment.
The UN Global Compact is the world’s largest initiative in the sphere of Corporate Social Responsibility and sustainable development. The aim of this truly global movement originating from the spheres of politics, the economy and civil society is for globalisation to become more socially minded and more ecological. The 10 universal principles and the support of the 17 Sustainable Development Goals of the United Nations are considered key elements of the UN Global Compact.
Austrian business council for sustainable development
VOLKSBANK WIEN AG stands for acting on the basis of social responsibility within its immediate environment. respACT supports its member organisations in achieving ecological and social objectives in an economic way.
For diversity in the world of work
By signing this “Charta of Diversity”, Volksbank sets a clear signal for actual diversity and respect within the company and commits to actively appreciating all those individuals that Volksbank is in contact with – with positive effects on society and the economy in Austria. Volksbank (VOLKSBANK WIEN AG as successor institution) has been a signatory of the Charta der Vielfalt since 2010.
Confédération Internationale des Banques Populaires (CIBP)
Confédération Internationale des Banques Populaires (CIBP), the international confederation of cooperative banks, is a special interest group consisting of banks, financial institutions and banking associations whose business model is based on cooperative principles and values.
OIKOCREDIT Investing in People
Oikocredit is an international cooperative society that refinances microfinance institutions, cooperatives, as well as small and medium-sized enterprises in so-called developing countries. The capital required for the granting of credits in Africa, Latin America and Asia is currently provided by some 45,000 private individuals and organisations supporting the charitable organisation with minimum investments of euro 200. Oikocredit will grant loans irrespective of religion, culture, age or sex.
Sustainable Development Goals
In 2015, the member states of the United Nations adopted 17 goals for sustainable development: the Sustainable Development Goals (SDGs). These goals address the topic of sustainability at an economic, social and ecological level. On 1 January 2016, the SDGs entered into force for a term of 15 years. The political sphere, civil society and the economy are all meant to cooperate to implement the SDGs, and accordingly they are of relevance to Volksbank Wien AG as well. Based on the materiality analysis, VOLKSBANK WIEN AG has allocated its material topics to specific SDGs. The SDGs most relevant to VOLKSBANK WIEN AG are:
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SDG 3: Good health and well-being
Ensure healthy lives and promote well-being for all at all ages -
SDG 4: Quality education
Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all -
SDG 5: Gender equality
Achieve gender equality and empower all women and girls -
SDG 8: Decent work and economic growth
Promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all -
SDG 9: Industry, innovation and infrastructure
Build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation -
SDG 11: Sustainable cities and communities
Make cities and human settlements inclusive, safe, resilient and sustainable -
SDG 13: Climate action
Take urgent action to combat climate change and its impacts
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