As a digital bank powered by a superapp for everyday financial life, Iute approaches sustainability as part of how everyday digital banking is built, delivered, and experienced. Digital-first banking services, automation, financial literacy, and responsible governance are core elements of how the Group creates long-term value for customers, partners, employees, investors, and communities across its markets.

In the double materiality assessment completed in 2024, the Group assessed the following topics as material from both impact and financial materiality perspectives:

  • Climate Change Mitigation
  • Social Inclusion of Consumers and Information related Effects for Consumers
  • Corporate Culture

The following topics were assessed as material only from the impact perspective:

  • Energy
  • Working Conditions and Equal Treatment of Employees
  • Economic, Social & Cultural Rights of local communities
  • Corruption & Bribery, Political Engagement and Protection of Whistleblowers

In 2025, Iute Group continued integrating environmental, social, and governance considerations into its everyday business.

Our contribution to achieving Sustainable development goal

The Group prioritizes the health and safety of its employees, offering private health insurance and benefits for family members in select subsidiaries. Recognizing gaps in local healthcare systems, Iute invests in private health insurance to ensure the well-being of employees and their families.

Iute emphasizes the importance of financial education and literacy for all members of society. The company actively supports customer education through its call center, providing over 4.1 million interactions in 2023 and various digital channels, and participates in programs to enhance financial literacy.

Iute recognizes the need for transformation in the financial sector and aims to lead this change by providing innovative digital solutions. The Group focuses on creating equal and universal access to financial services, particularly in underbanked markets.

Environmental Sustainability

Social Sustainability

Corporate Governance