ESG Strategy 2024-2027
Mission & Vision
Mission
We democratize the world of investment through an advanced investment application and financial education, which support users in independently managing their investment portfolio in accordance with their goals, preferences, and investment horizon.
Vision
We provide the investment application of first choice for clients from Europe, setting standards for access to financial markets and supporting the management of one’s own finances in a simple and effective way for people with different levels of experience.
Our Values
In our operations, we are guided by three key values that influence our development, customer relationships and approach to innovation:
Support
We provide clients with an investment application, offer online educational materials and ensure customer support. Through business management and our adopted dividend policy, we aim to create value for shareholders while maintaining the operational and financial stability of the Group.
Technology
Technology is a key component of XTB’s investment activities. Within the available resources, we develop the team’s competencies and implement changes to the investment offering to ensure functionalities aligned with the adopted business model and to maintain the quality of services provided.
Trust
XTB’s operations are subject to oversight by the relevant regulatory authorities in the jurisdictions where the company operates. Our relationships with stakeholders are based on clear communication and the delivery of services in accordance with applicable regulations and the adopted business model.
Three pillars of ESG Strategy
Environment
- an internal program, “Natural Investment”, is implemented, covering educational and organizational activities
- the headquarters is located in an office building with a BREEAM Excellent certification
- waste segregation and monitoring of waste volumes are conducted at XTB locations where feasible
- the full carbon footprint of the XTB Group was calculated for 2024 and 2025 and environmental data is disclosed as part of obligatory sustainability annual reporting
- a Climate Policy has been implemented, and scenario analysis has been conducted
- voluntary employee initiatives, including environmental volunteering, are supported.
Social
- policies and regulations in the employee and client areas have been developed and implemented
- in 2024, a stakeholder survey and a double materiality assessment were conducted
- training budgets are allocated to departments and employees have access to internal and external training
- a consistent employee evaluation system is applied, along with internal recruitment processes
- equality and anti-discrimination policies are promoted; XTB is a signatory of the Diversity Charter
- initiatives supporting healthy habits, physical activity and two days off for volunteer work are implemented
- financial education is provided through the XTB Foundation, educational partnerships, open knowledge bases, market analyses, conferences, and initiatives promoting informed investing
- employees have access to flexible working arrangements, co-financing of private healthcare, and additional benefits, depending on contract type and seniority
- XTB participates in recurring conferences, industry events and job fairs.
Governance
- applicable policies are approved by the Management Board of XTB S.A.
- key business areas of the XTB Group are assigned to Management Board members according to their competencies
- the ESG area is represented at the Management Board level and sustainability topics are discussed quarterly during Audit Committee meetings
- a Code of Ethics, anti-discrimination and anti-bullying policy and anti-corruption policy have been developed and implemented
- a whistleblowing mechanism is in place for reporting violations
- data security and cybersecurity are ensured through organizational systems and procedures
- information for investors and stakeholders is communicated via stock exchange announcements, periodic reports, social media and XTB websites
- XTB is a member of industry organizations, including the Chamber of Brokerage Houses
- internal audit, compliance and a risk and process management system are in operation
- access to reports and documents is provided, and quarterly earnings conferences for investors are organized.
Environment and climate
Strategic direction & goals
We focus on building transparency within sustainability reporting and carbon footprint calculation of the XTB Group in accordance with the applicable ESRS reporting standards.
Goal 1 – Responsible management of electronic waste within the XTB Group
As part of this goal, we formalized the principles of e-waste management and introduced uniform rules for monitoring e-waste in the XTB Group.
Goal 2 – Calculation of greenhouse gas emissions ultimately in three scopes
We will achieve this goal by cyclical calculation of XTB’s carbon footprint and monitoring our emissions in subsequent reporting periods.
Goal 3 – Develop and Implement a Climate Policy
To achieve this objective, we developed and implemented the first Climate Policy of the XTB Group, which has been incorporated into the ESG Policy. We also identified the key climate-related risks.
Our stakeholders
Employees and associates of all XTB Group subsidiaries
Clients
Clients
Retail and institutional clients.
Media
representatives
Media
representatives
Industry media at regional, national and international levels.
Social
environment
Social
environment
Individuals interested in financial education, potential clients, social partners, institutions supporting cultural and sports events, universities and schools, XTB Foundation.
Capital market
representatives
Capital market
representatives
Shareholders, individual and institutional investors of XTB S.A., the Warsaw Stock Exchange, analysts and rating agencies.
Regulatory
environment
Regulatory
environment
Supervisory authorities such as the KNF, local regulators in relevant markets.
Market
environment
Market
environment
Industry organizations, suppliers, business partners in local markets.
Employees
Employees
Employees and associates of all XTB Group subsidiaries.
Financial education
Financial education is the key to the development of society. That is why we support all interested parties in building investment knowledge and achieving success on financial markets.
The XTB Foundation was established in 2020 on the initiative of the Management Board of XTB S.A. Its statutory goals support the implementation of the ESG Strategy, focusing on activities in the field of education and social responsibility.
Diversity & Inclusion Policy
As a dynamically developing international organization, we are responsible for the well-being of our employees around the world. In accordance with our ESG Strategy, in 2024 we implemented the XTB Diversity Policy, which is to support us in creating a friendly, diverse and tolerant work environment.
Internal Intranet
available in the diverse languages of our employees.
Setting clear and consistent organizational goals,
change management and working on transparent communication.
Transparent organizational
and decision-making structures.
Building an organizational culture
based on mutual respect and collaboration.
Professional actions of the XTB HR team
ensuring the highest level of employment conditions within the XTB Group
ESG Activities
as a process of integrating multiple perspectives, needs, and initiatives to speak with one voice, the voice of XTB.
Corporate governance
Strategic direction & goals
We consistently strengthen the digital resilience and business continuity of the XTB platform, treating the protection of personal data and client assets as a key foundation of corporate governance. Our priority is transparency of management structures, rigorous anti-fraud measures, and responsible risk management at every level of the organization.
Goal 1 – Inclusion of ESG aspects in the area of corporate governance
We will achieve the goal by updating the XTB Code of Ethics. We have systematized the applicable anti-mobbing and anti-corruption provisions in separate, dedicated corporate documents: Anti-Mobbing and Anti-Discrimination Policy and Anti-Corruption Policy.
Goal 2 – Integration of ESG risks into the internal Risk Management System of XTB
We will achieve this goal by identifying and incorporating social, environmental and governance risks into the XTB Group’s internal Risk Management System.
Business Ethics
At XTB S.A. The Code of Ethics applies, which defines the basic norms, values and principles of conduct:
- in mutual relations – including provisions on equal treatment, the use of vulgar language, discrimination and bullying
- regarding loyalty, integrity and conflicts of interest – including provisions that define situations in which an unacceptable conflict of interest may arise
- regarding accepting and giving gifts and building relationships with contractors, business partners and retail clients.
Discover our ESG Strategy
In July 2024, we adopted an updated ESG Strategy for 2024-2027, which outlines our directions and goals for the coming years of XTB’s operations. ESG Strategy was uptaded in July 2026.
Publication Archive
We consistently follow the path of sustainable development, adjusting our directions to the current needs of the organization and its environment. See our archived strategic documents.
Social responsibility
Strategic direction & goals
We increase the accessibility of financial markets through the development of our proprietary investment application and by providing free educational materials. At the same time, we are building an organizational culture based on team diversity, uniform assessment and remuneration standards, and the development of digital and managerial competencies.
Goal 1 – Updating the remuneration principles at the XTB S.A. HQ, while calculating Gender Pay Gap Ratio for the XTB Group
We will achieve this goal by implementing a transparent Remuneration Policy at the XTB S.A. HQ and measuring the Gender Pay Gap Ratio for the XTB Group.
Goal 2 – Creating a safe and inclusive work environment
We pursue this goal through the Diversity Policy (DEI) and regular first aid training for employees at the XTB S.A. HQ and development of initiatives in the area of Diversity & Inclusion.
Goal 3 – Intensifying the educational and social activities of the XTB Foundation
We achieve this goal by initiating and implementing activities of the XTB Foundation tailored to identified social needs.