Sustainability is natural in the New Era as well

You no longer have to stack paper documents in the New Era of banking. You will find all your contracts and documents digitised in KB+ online banking. You can download them whenever you need. 

Since 2020, we have been issuing payment cards made from recycled plastic. We are gradually increasing the share of recycled material used, and we currently also issue cards made from 100% recycled plastic. This material has a lower environmental impact and contributes to reducing our carbon footprint. By the end of 2025, we had issued approximately 2,700,000 payment cards made from recycled plastic, of which 1,500,000 were made from 100% recycled material.

The Visa virtual card is a modern and sustainable alternative to a plastic card. You can obtain it within seconds directly in the KB+ app, where it can also be easily activated and its details viewed for online payments. By adding it to a mobile wallet, the card can be used not only for online payments but also for contactless payments in physical stores, as well as for cash withdrawals and deposits at ATMs.

The card cannot be easily lost – it is securely stored on your phone and protected by access credentials or biometric authentication. It is a permanent virtual card with automatic renewal every three years, helping to save natural resources as well as space in your wallet.

Our portfolio includes products that facilitate your transition to a sustainable lifestyle. We offer Sustainable Housing Mortgage Loans, Sustainable Technologies Loans, e-vehicle funding and investing in ESG funds to individuals. Bedsides traditional investment loans for sustainable projects, in 2022 we also started to offer new Green Loans and Sustainability Linked Loans to corporate clients. Working with ČEZ ESCO and SGEF, we provide a special product called Photovoltaic for One Crown, which makes it possible for companies to use their own green energy without having to provide the initial capital. 

We have long strived to make our products and services friendly in many ways. We operate 143 branches and 687 ATMs that are barrier-free. Visually impaired people can also easily use the new KB+ online banking app. . On the website bezprekazek.kb.cz, interpretation to and from Czech Sign Language is available, along with live transcription of communication between the adviser and a client with hearing impairment displayed on a computer screen. In MasterCard Bank of the Year competition, we won The Bank without Barriers award for our activities in this respect. 

In cooperation with Mastercard, we issue payment cards with smart notches – so-called Touch Cards – which help people with complete or partial vision loss to recognise both the type and orientation of their payment card.

We have introduced a range of measures aimed at reducing the carbon footprint of our operations to the level of unavoidable emissions. These include the use of electric vehicles, on-site photovoltaic panels installed on the roof of our headquarters, and overall reductions in energy consumption. In addition, 100% of the electricity we consume comes from renewable sources. In 2025, we succeeded in reducing the carbon footprint of our operations by 46.5% compared to the 2019 baseline year.

We are a Golden signatory of the Diversity Charter. By signing the Diversity Charter, we have joined a strong group of companies that actively raise and contribute to the solution of societal issues. We have pledged to create a non-discriminating, supportive, and inspirational environment in which employees can develop and actualise their potential as best as possible. 

We provide advisory services in respect of subsidies, energy, renewable sources, circular economy, and waste management. The KB Advisory team has been broadened to include the ENVIROS consultancy. The two companies offer comprehensive advice for both private and public sectors in their investment and non-investments plans throughout the Czech Republic. 

We appreciate clients’ efforts to mitigate their environmental impacts and we support projects that help both nature and society. In 2025, we signed new agreements on ESG investment loans totalling CZK 35 billion.

We have decided to phase out the funding of clients associated with coal mining or use, primarily in the electricity and heat supply industries. We thus help to exert pressure on these companies to switch to cleaner energy sources. We have pledged to progressively reduce our funding of clients’ activities in the coal sector to zero by 2030. 

We have signed the CBA Sustainable Finance Memorandum, in which together with other banks we confirmed our commitment to create a business environment conducive to the country’s sustainable and socially responsible development. The Czech Banking Association’s member banks have set up a Sustainable Finance Commission. Ms Hana Libecajtová, KB’s Executive Director, Brand Strategy and Communication, was elected as the Commission Chair. The Commission is addressing the question of how specifically banks can help to create the conditions for the sustainable development of the Czech Republic. 

October 2023 saw the launch of a standardised banking ESG questionnaire that we will use for obtaining ESG information from our clients. The questionnaire has been developed under the auspices of the Czech Banking Association. Six banks have joined the initiative. The advantage for banks’ clients is that they complete the questionnaire only once and the other participating banks will be able to use the data without requiring the business to complete a similar questionnaire again. Completing and data updating in the banking ESG questionnaire is free of charge. 

For the fifth year, our employees are able to take one paid day off and help where help is needed. A total of 955 KB employees used the volunteering day in 2025.

Unfortunately, cyberattacks and fraudulent practices targeting banking clients are a common reality today. That is why we place strong emphasis on security and actively protect our clients not only through technical measures, but also through smart tools that give them greater control over their finances. The KB+ mobile application offers a range of security features specifically designed to combat digital threats.

We are mitigating our environmental impact and also helping in the social area.