Iute Group is committed to the highest standard of business ethics with a strong management board, clear management principles, and established governance practices.
Iute Group has established a Whistleblowing Procedure for reporting irregularities.
Employees and external stakeholders are encouraged to report misconduct or irregularities. Effective internal communication across the Group is in place. Corporate responsibility is steered through internal policies, guidelines, and evaluation and feedback processes, including the Management Book, the Whistleblowing Channel, customer satisfaction surveys, annual team surveys, and Net Promoter Score (NPS) monitoring.
Within the Group, a universal Code of Conduct is set out in the Mission and Values document and the Management Book. It reflects the Group’s mission and core values and defines expectations for ethical behaviour, integrity, and responsible conduct, supported by additional internal policies and legal templates.
All organisations, and especially financial institutions, face the risk of breaches of legal or regulatory requirements or unethical conduct. A culture of openness is essential to prevent such situations and to address them appropriately when they occur.
Iute has established a Group-wide Whistleblowing Procedure for reporting suspected misconduct or breaches. Whistleblowing includes reporting actual or potential irregularities or attempts to conceal breaches, such as fraud, bribery and corruption, discrimination, harassment, or other unethical conduct. Employees and external stakeholders are provided with guidance on how to raise concerns, and reports are handled confidentially. All reports are handled with strict confidentiality and are assessed in accordance with the Whistleblowing Procedure by designated Group-level functions.
The Group has an Anti-Bribery and Anti-Corruption Policy in place. All entities within the Group are committed to conducting business in compliance with applicable laws, rules, and regulations, and in line with the highest ethical standards. The policy reiterates the Group’s commitment to full compliance by its subsidiaries, officers, directors, and employees with applicable anti-bribery and anti-corruption laws in the countries where the Group operates.
The Group also applies Insider Information Rules governing the retention and disclosure of inside information, as well as transactions based on such information. These rules protect investor interests and support fair and transparent trading. They apply to Management Board and Supervisory Board members, employees of Group companies, and other persons who may have access to inside information.
Compliance expertise and professional development are actively supported across the Group. Several members of the Group’s legal leadership hold the internationally recognised Certified Anti-Money Laundering Specialist (CAMS) qualification and are members of the Association of Certified Anti-Money Laundering Specialists (ACAMS).
In 2025, Iute Group further strengthened its governance and risk culture by launching an internal information security awareness program. This included regular phishing simulations and recurring short training modules designed to build everyday awareness of digital risks. This initiative is intended to reduce operational risk, support secure digitalisation, and reinforce shared responsibility for data security across the Group.
The Group communicates with shareholders through the Annual, Interim, and Half-Year Reports, press releases, the Group’s website, and social media channels. In addition, the Group engages with bondholders through earnings calls and investor meetings.