Intellectual Capital

We are committed to optimising and innovating our systems and processes to provide our clients with simple, secure and user-centric solutions that meet the needs and challenges of rapid change.

Jingle Pang
Jingle Pang
Group Digital & Information Officer

We are moving from 'using digital' to 'living digital'.

Intellectual Capital Highlights

10 minutes credit approval
10 minutes credit approval
of up to €12,000, disbursed within 48h through our SMILE solution available in Italy
IT systems incidents
19% reduction
of reported IT systems incidents compared to 2020, thanks to our Service Reliability Programme and other projects
start-ups
240 FinTech start-ups screened
during 7 deep dive sessions, as part of our cooperation with Plug and Play
reduction in recruiting process time
-14 days
reduction in recruiting process time compared to 2020 in Czech Republic and Slovakia, thanks to our Artificial Intelligence Powered Recruiting solution
colleagues
c. 64k colleagues
provided with advanced digital tools under our DigitAll workplace initiative
loans
c. €170m
loans disbursed in Austria in 2021, through our High Speed Consumer Loans initiative

How we do the right thing

THE RESOURCES WE HAVE

  • advanced Digital & Data governance
  • stable and secure IT systems
  • capacity to innovate
  • continuous improvement attitude

COMMUNITY IMPACTS

  • business security and continuity
  • simplified client experience
  • high quality, customizable, and fully digital products and services

HOW WE CONTRIBUTE TO A MORE SUSTAINABLE WORLD

  • resilient IT infrastructures
  • dedicated security processes and policy framework to tackle the swiftly evolving threat landscape
  • streamlined processes and effective services
  • stimulating innovation and enabling the digital transformation path

Results and Targets

2021 RESULTS

Digital & Data governance
elevated to the highest managerial level
c.
new hires in Digital & Data
courses dedicated to security and cyber security released

TARGETS

€bn
total Digital & Data investments in 2022-2024
new hires in Digital & Data in 2022-2024
%
of core competencies internalised by 2024

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Our Stories

Our Clients
Germany
Pure Energy
Founded in Istanbul, Turkey and with a base in Düsseldorf, Pure.energy GmbH are boldly…
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Our People
Open Banking Innovation
We live in a world where technology plays a greater role in our lives than ever before, and…
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