Sustainability at NRW.BANK

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What does "sustainability" mean to NRW.BANK?

All operations of NRW.BANK are geared toward the principle of sustainability (Section 3 of the Act on NRW.BANK and Section 5 of the Statutes of NRW.BANK)

The NRW.BANK approach:Sustainability is corporate responsibility

NRW.BANK has signed the following initiatives:

Economy Society

Environment

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Sustainability at NRW.BANK – Economical Aspects

Consultancy as non-monetary output

Interest subsidy as monetary output

Promotion funds and financial resources, including non-standard maturities

Terms not in line with standard market conditions

Housing & Living

Infrastructure

Municipalities

Housing

Seed & Growth

Start-ups

SME‘s

Exports

Development & Protection

Environment/ Climate/Energy

Education

Innovation

Fields of Promotion:

Promotion Themes:

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Sustainability at NRW.BANK – Environmental AspectsCarbon Footprint Energy from hydropower

Company car policy with: short contractual periods ensuring

most modern/efficient car fleet ecological advise a fleet average target

Green-IT

Combined heat and power (district heating)

Use of the most modern energy efficiency technology during building and renovations

Video conference system

CO2-Emissions per Employee

1.321

3.570

1.210 1.225 1.302 1.362

0

1.000

2.000

3.000

4.000

2007 2008 2009 2010 2011 2012

in kg CO2

5

Sustainability at NRW.BANK – Environmental Aspects Consumption

Successful reduction of consumption figures: Water down 42% Paper down 29% Waste down 61%

Electricity Usage:

Marginal decrease of 4% per employee

Focus on resource-saving technology

Water consumption per day/employee

59576059

93

101

40

60

80

100

2007 2008 2009 2010 2011 2012

in Litres

Paper consumption and waste volumeper employee

37

435

170

52 46 44 42 39

204166

188 175

0

100

200

300

400

2007 2008 2009 2010 2011 2012

in kg

PaperWastePaper Waste

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Sustainability at NRW.BANK – Social aspects

NRW.BANK is a responsible and reliable

employer:

Equal opportunities

Women’s promotion

Training and further education

Career & family

Flexible working hours

Part-time employees: 20.1%

Option to work from home

Breakdown of Specialist Positions

Women43%

Men57%

Breakdown of Management Positions

Women26%

Men74%

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Sustainability at NRW.BANK – Social aspect

Excellent employee health management

Company doctor

Company sport programme

Additional health care services

Social counselling

Wide spectrum of corporate citizenship activities

Corporate Volunteering

Cooperation with 5 high schools

Apprenticeship sponsoring programme

…

Sponsorships by Fields

Society & Social Affairs14%

Art & Culture41%

Science & Education

45%

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Integrating sustainability in the bank's processes

Transparent Reporting

Eco balance report (since 2007)

Chapter on corporate responsibility in the financial report since 2004

Sustainability portal on the internet since 2012

Corporate citizenship activities report

Staff report

Development business report

Environmental report

Audit process when "launching new products" Risks from a sustainability perspective

Principles of Corporate Responsibility

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Milestones

Sustainability report – integrated into the 2004 financial report

2005-

2012

Public Corporate Governance Code comes into force

Adoption of the “Principles of Corporate Responsibility at NRW.BANK"

Signing and participation in the initiatives:

Participation in the VÖB (Association of German Public Sector Banks) ad-hoc sustainability working group

Implementation of further developments/measures relating to sustainability at NRW.BANK…

Focus on „Energy“

Revision of “Principles of Corporate Responsibility at NRW.BANK"

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Sustainability ratings at NRW.BANK

imug, Hannover (since 2009)

oekom research, Munich (since 2006)

Sustainalytics, Frankfurt (since 2005)

Rating positive No. 17 of 62*

* Above the peer group average.

Appendix

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Appendix – Tasks Pursuant to the NRW.BANK Act

Securing and improving the medium-sized business structure of the economy, in particular by financing start-ups and recently established businesses

Measures within the framework of social housing programmes subsidized by the government

Provision of risk capital

Construction development for cities and municipalities

Infrastructure support

Measures for the protection of the environment

Technology/innovation support

Measures for purely social purposes

Measures for cultural and scientific purposes

Financing of public authorities and public-sector special purpose associations as well as co-financings with European institutions

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Appendix – Consumption figures at NRW.BANK

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Appendix – Paper consumption figures at NRW.BANK

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Appendix – CO2-Emissions at NRW.BANK

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Appendix – CO2-Emissions at NRW.BANK

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Contacts

NRW.BANK • Capital Markets • Kavalleriestraße 22 • 40213 DüsseldorfBloomberg NRWBK <Govt> <GO> • Reuters NRWB10

Dr. Frank Richter

Investor Relations+49 211 91741 5555frank.richter@nrwbank.de

Gefion Harig

Ratings and Sustainability+49 211 91741 8081gefion.harig@nrwbank.de

Stephanie Kraus

Ratings and Sustainability+49 211 91741 3975stephanie.kraus@nrwbank.de

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Disclaimer

The information contained in this presentation has been thoroughly researched. Nevertheless, it does not claim to be complete and the information contained therein may be subject to changes. We shall not be liable for any information provided herein.

The presentation constitutes neither an offer nor an invitation to buy securities. It must not be viewed as personal or general advice on the basis of which investment decisions can be made.