.

1. Sustainability at NRW.BANK

2. What does "sustainability" mean to NRW.BANK?
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 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:
Environment
Economy Society

3. 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
3
Housing & Living
 Infrastructure
 Municipalities
 Housing
Seed & Growth
 Start-ups
 SME‘s
 Exports
Development &
Protection
 Environment/
Climate/Energy
 Education
 Innovation
Fields of
Promotion:
Promotion
Themes:

4. Sustainability at NRW.BANK – Environmental Aspects
Carbon Footprint  Energy from hydropower
4
 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
4.000
3.000
2.000
1.000
0
2007 2008 2009 2010 2011 2012
in kg CO2

5. Sustainability at NRW.BANK – Environmental Aspects
Consumption
5
 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
57 59
59 60
93
101
100
80
60
40
2007 2008 2009 2010 2011 2012
in Litres
Paper consumption and waste volume
per employee
37
435
170
204
166
188 175
52 46 44 42 39
400
300
200
100
0
2007 2008 2009 2010 2011 2012
in kg
Paper
Waste
Paper
Waste

6. 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
6
Breakdown of Management Positions
Breakdown of Specialist Positions
Women
43%
Men
57%
Women
26%
Men
74%

7. 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
 …
7
Sponsorships by Fields
Society & Social
Affairs
14%
Art & Culture
41%
Science &
Education
45%

8. Integrating sustainability in the bank's processes
 Audit process when "launching new products"
 Risks from a sustainability perspective
 Principles of Corporate Responsibility
 Transparent Reporting
 Eco balance report (since 2007)
 Chapter on corporate responsibility in
8
the financial report since 2004
 Sustainability portal on the internet
since 2012
Staff report
Development business report
Corporate citizenship
activities report
Environmental report

9. Milestones
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 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
 Focus on „Energy“
 Revision of “Principles of Corporate Responsibility at NRW.BANK"
 Implementation of further developments/measures relating to
sustainability at NRW.BANK…

10. Sustainability ratings at NRW.BANK
 imug, Hannover (since 2009)
 oekom research, Munich (since 2006)
 Sustainalytics, Frankfurt (since 2005)
10
Rating positive No. 17 of 62*
* Above the peer group average.

11. Appendix

12. 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
12

13. Appendix – Consumption figures at NRW.BANK
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14. Appendix – Paper consumption figures at NRW.BANK
14

15. Appendix – CO2-Emissions at NRW.BANK
15

16. Appendix – CO2-Emissions at NRW.BANK
16

17. Contacts
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Dr. Frank Richter
Investor Relations
+49 211 91741 5555
frank.richter@nrwbank.de
Gefion Harig
Ratings and Sustainability
+49 211 91741 8081
gefion.harig@nrwbank.de
NRW.BANK • Capital Markets • Kavalleriestraße 22 • 40213 Düsseldorf
Bloomberg NRWBK <Govt> <GO> • Reuters NRWB10
Stephanie Kraus
Ratings and Sustainability
+49 211 91741 3975
stephanie.kraus@nrwbank.de

18. Disclaimer
 The information contained in this presentation has been thoroughly researched. Nevertheless, it does not claim to be complete and the information
18
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.