Not reported.

pg. 2

“As part of the lending process, all exposures awaiting a decision are checked for possible environmental and/or reputational risks - i.e., the possible exclusion of financing on the basis of the negative list. If it is assessed, in these specialist units, that the potential involvement could be associated with increased environmental and/or reputational risks, the sustainability management unit is given a separate audit order. This reviews possible negative impacts of the financing on all relevant ESG aspects, including biodiversity, for example. In the year under review, the sustainability management unit carried out seven separate reviews. This corresponds to a share of 23.3% of the total of 30 credit submissions processed in connection with new business in 2021.”