The year 2024 was exceptional for XTB in many aspects: dynamic growth of the customer base, new financial products in the offer, record financial revenues, employment growth, update of the ESG Strategy for 2024-2027, more and more activities of the ESG area and the XTB Foundation, preparation of reporting in accordance with the CSRD Directive. Our commitment to the development of the area of ​​​​sustainability was noticed by stakeholders, thanks to whose votes during the Invest Cuffs gala XTB received the title of "ESG Company of the Year 2024"!

At the end of March 2025, the 11th edition of the Invest Cuffs competition took place in Warsaw, with XTB representatives participating. This year, investors cast a total of over 168,000 votes. XTB was awarded with statuettes in the following categories:

The past year was full of challenges and activities in the area of ​​sustainability. We updated the ESG Strategy, our mission and vision, but also strengthened the activities of the XTB Foundation in the area of ​​youth education. Our sustainability reporting transformed towards compliance with uniform reporting standards and for the first time was certified by an independent auditing company. I would like to thank investors for appreciating our activities and all employees involved in the sustainable development of the XTB Group.

- commented Paweł Szejko, Member of the Management Board of XTB S.A. for Finance

We would like to express our special thanks to our stakeholders, thanks to whose voices we can share this success with you today. Motivated to continue working, we are consistently implementing our plans and we believe that next year we will meet again at the Invest Cuffs gala with equally impressive results.

The XTB Foundation is a patron of important educational initiatives organized by universities to support the education of young people in Polish schools. It began 2025 with involvement in two projects, where, in addition to co-financing initiatives, Foundation created a space for learning about XTB solutions and education with XTB experts.

In the first quarter of 2025, the XTB Foundation became a strategic partner of two educational initiatives. In February, we supported a multi-day conference of the Stock Exchange Academy organized by the Investor Club operating at the Warsaw School of Economics. In addition to funding, we also contributed to the event: Filip Kaczmarzyk, Member of the Management Board of XTB S.A., took part in a debate on the functioning of the stock exchange and on the stock exchange in times of uncertainty, Michał Stajniak, Deputy Director of the Analysis Department, gave a lecture on indicator analysis.

In March this year, another edition of the Young Stock Investor competition took place, organized by the Faculty of Economic Sciences of the Koszalin University of Technology. The XTB Foundation was the Strategic Partner and main sponsor of the event. This is a competition addressed to high school students from all over Poland, this year about 700 people took part. The final stage takes place on-site at the Koszalin University of Technology and on the XTB xstation5 demo trading platform. The students are tasked with placing 10 buy-sell orders for shares and ETFs and achieving the best possible result. This year, the podium was dominated by students from the Complex of Mechanical and Computer Science Schools named after prof. Henryk Mierzejewski in Lębork - the first three places were taken by:

🥇 Krzysztof Tomkowicz ex aequo with Jędrzej Orczyński (VI High School in Koszalin)

🥈 Jan Browarczyk

🥉 Maciej Dębowski

Congratulations for all participants, finalists and winners!

On Friday, March 21, 2025, the XTB Group published its first report in accordance with the CSRD Directive and ESRS reporting standards. The entire process was supported by analyses and appropriate preparations and was subject to limited assurance certification by an independent audit company.

The XTB Group began reporting on sustainability in 2022, when it published its first ESG report for 2021. This was a breakthrough event that allowed for a broader discussion on the needs and opportunities of XTB in the ESG area. It was then that the first ESG Strategy was created, which summarized the activities in a cross-sectional manner, but also drew attention to their most important aspects.

Without a doubt, year 2024 can be considered a milestone on our path towards sustainability. Thanks to the ESG activities initiated at XTB many years ago, we were able to verify and update our ESG Strategy in a thoughtful and responsible manner, include sustainability in XTB's mission and vision with full responsibility, strengthen the activities of the XTB Foundation, which carries an educational message to young people from Polish schools, and prepare for changes in, no longer ESG, but sustainability reporting.

In the XTB Group Sustainability Statement in accordance with the CSRD Directive and ESRS standards, we presented XTB from a brand new approach. This ambitious and complex project allowed us to delve even deeper into the intricacies of our activities and look at them from a different perspective.

Shortly summarizing:

• we based the statement on the double materiality assessment of the XTB Group, as part of which we conducted a survey, workshops and in-depth interviews with our stakeholders
• we managed an analysis of climate opportunities and risks and a scenario analysis, which also helped us create the XTB Climate Policy
• we created a tailor-made solution for XTB to collect data from all branches and companies of the Group, which allowed us to integrate different needs and consolidate them successfully
• we identified all emission sources and for the first time calculated the full carbon footprint of the XTB Group covering all Scope 3 categories in our operations with one of the most experienced partners on the market - the Climate & Strategy Polska Foundation
• for the first time we calculated the pay gap for the entire XTB Group
• we comprehensively analyzed the financial, non-financial taxonomy and minimum guarantees.

These are selected elements of the Statement, which is a tool for reliable collection in the right order of the actions and processes actually undertaken by the XTB Group. However, the publication would not have been possible without the involvement of the Management Board of XTB S.A., representatives of the XTB Headquarters, branches and companies of the XTB Group, operational work of ESG and IR teams, and the foundations of responsible business built over the years.

Another milestone achieved motivates us to further improve the reporting process so as to provide you with increasingly better quality data and to summarize the actions we undertake even more transparently.

Check out our newest Sustainability Statement for 2024!

On Friday, February 21, 2025, at the Trading Floor of the Warsaw Stock Exchange, we concluded the first edition of the "Academy of tomorrow. Finances with class" program. We hosted 150 guests and the winners of a competition in which willing students had a possibility to plan their financial goal and present a plan for conscious financial management for the next 10 years.

We did it! Today we finished the first edition of the program "Academy of tomorrow. Finances with class". During the meeting we hosted 150 project participants, among whom were the winners of the competition in which willing students were to plan their financial goal and present a plan for conscious financial management for the next 10 years.

The work of Agata Kolanowska from Radom made the greatest impression on the entire competition committee, and she received the Main Prize, an iPhone 16 PRO and a MacBook. The following places from 2 to 5 were taken by:

II Szymon Stankiewicz - Electronic Technical School No. 3 named after Soldiers of the Home Army "Żywiciel"

III Olga Dostatnia - CLXV High School in Warsaw

IV Wiktor Kasprzyk - CLXV High School in Warsaw

V Maja Sokołowska - Horticultural Technical School in School Complex No. 39 in Warsaw

During the final meeting, students listened to a lecture by Paweł Rygielski, one of the project's mentors, and listened to the inverview of Sylwia Kozoń, President of the XTB Foundation, and moderator Izabela Kozakiewicz, President of the Trampki na Giełdzie Foundation. The fire chat was based on questions about how people from the world of finance manage their private finances, what financial knowledge they pass on to their children, what they think about financial education in schools, what they would not invest their money in, and whether working in a financial company changes the way we think about finances.

The meeting at the WSE was also a great opportunity for direct exchange of opinions and experiences with students and teachers who accompanied them. We are proud that the program was received so enthusiastically, and we hope that the knowledge we imparted to the students will stay with them and have a real impact on how they manage their money.

Work on the second edition is underway, and workshops in schools will begin in October 2025.

102 classes, 2588 high school students, over 260 hours of classroom lessons in schools, and 6 Q&A sessions - this is the shortest summary of the 1st edition of the educational program for high school students created jointly by the XTB Foundation and the "Trampki na Giełdzie" Foundation.

As part of the Q&A sessions conducted by XTB experts, we told young people, among other things, about building a budget, ways to generate surpluses, compound interest, good financial habits and we showed that financial security is achievable by everyone. All it takes is a little knowledge and experience.

According to the program plan, the workshops in schools ended at the beginning of January and after them came the time for Q&A sessions with XTB experts. For 6 hours, Michał Stajniak (Deputy Director in the Analysis Department), Jakub Oklesiński (Team Leader in the Sales Department) and Bogumił Jeżewski (Head of Regulated Markets in the Trading Department) answered students' questions during remote Q&A sessions on all matters related to financial management, good practices in investing, and the most common mistakes. Our hosts received many very interesting questions, e.g. about the best ideas for good use of 300 zlotys of pocket money, their own best and worst investment decisions, as well as about thematic books or YouTube channels that they recommend to those who want to continue expanding their knowledge about finance. 

Take a glimpse of our sessions' backstage:

At XTB we know well how important health prevention is. Therefore, we joined the October celebrations of Pink October not only at our headquarters, but also in our offices in Santiago, Dubai and Madrid.

In October, due to the Pink October celebration, we organized workshops for employees at the XTB office in Warsaw, during which we listened to a lecture on the most common causes of cancer, characteristic symptoms, statistics, prognosis, but above all, prevention and how we can effectively support our bodies. During the meeting, the expert invited to XTB explained what a properly performed breast self-examination should look like and the key role its regularity plays.

As a sign of solidarity with people struggling with breast cancer and commitment to building awareness of cancer prevention, our employees in XTB offices in Santiago, Dubai and Madrid dressed in pink and organized information campaigns on regular examinations, prevention and early detection of cancer.

In September 2024 we joined the group of strategic partners of the Responsible Business Forum, because sustainable development and spreading good practices is particularly important to us.

In September 2024, we became a strategic partner of the Responsible Business Forum (FOB). FOB is an organization that brings together companies and industry leaders to improve their ESG (Environmental, Social and Governance) competencies and promote the sustainable transformation of their businesses.

Joining Responsible Business Forum aims to strengthen the area of sustainable development in our organization. Cooperation will provide us with, i.a.: support in the process of building awareness in our organization, as well as substantive support in the ESG area and the opportunity to share knowledge with ESG experts from various industries.

Just 4 days ago, the XTB Foundation signed a 3-year cooperation agreement with the Polish Economic Society and today we can already celebrate our first joint success. The Polish team has just returned from Athens, where 5 of our students individually won... as many as 5 gold and silver medals at the International Economics Olympiad! In the team competition, they were unequivocally the best among over 100,000 competitors from around the world.

Our team consisted of:

• Szymon Sobiech from Lublin,
• Patrycja Smentoch from Gdansk,
• Wiktor Kocur from Poznan,
• Szymon Jackowski z Warsaw and
• Jan Baranowski from Lodz.

They achieved the best result in the history of our representatives' starts. All five are laureates of the National Economics Olympiad organized annually by our partner, the Polish Economic Society.

The enormity of the success is also witnessed by the huge interest of national and regional media from all over the country. Our heroes were talked about, among others, in the main news service of TVP1, "Good Morning TVN" or RMF FM.

Congratulations, we are very proud of you!