Leadership and sustainability

ABN AMRO strategy and sustainability strategy

Strategic priorities

Pursue selective international growth

Strongly commit to a moderate risk profile

Invest in our future

Enhance client centricity

Inspire and engage our people

A better bank contributing to a better world

Sustainable business operations

Compliance

Workforce diversity and inclusion

Employee health and safety

Environmental impact

Sustainable finance and investment

services

Policy framework

Sustainable financing

Sustainable investment

Sustainable banking products and

services

Sustainable

business

operations

Sustainable

finance and

investment

services

Using our financial

expertise for the

benefit of society

Clients’ interests

centre stage and

sustainable

relationships

Better bank

Better world

Clients’ interests centre stage and

sustainable relationships

Privacy of clients

Security of clients

Stability of our digital services

Mortgage policy

Using our financial expertise for the benefit

of society

Partner of the Future

Social entrepreneurship

Sharing sector-specific knowledge

Improve profitability

Invest in our future

Recognised as a Top Class

Employer

Re-engineering the IT landscape

and optimising processes

Positively recognised on

sustainability and transparency

Sustainability strategy: two pillars, four ambitions

Sustainable business operations

Compliance

Workforce diversity and inclusion

Employee health and safety

Environmental impact

Clients’ interests centre stage and sustainable relationships

Privacy of clients

Security of clients

Stability of our digital services

Mortgage policy

Sustainable finance and investment services

Policy framework

Sustainable financing

Sustainable investment

Sustainable banking products and services

Using our financial expertise for the benefit of society

Partner of the Future

Social entrepreneurship

Sharing sector-specific knowledge

142

Sustainable assets underadministrationOther assets under administration

150

15

88

16

6

Residential mortgages

Consumer loans

Commercial loans

Loans to banks

Other loans

Total

YE 2015

275

Total

YE 2015

148.4

What is our possible impact?

Financing - in billions Investments - in billions

ABN AMRO MeesPierson

Sustainable Investment

Management

*

* ESG screening takes place for all these investments.

6.4

“Show me the business case how we can become the most sustainable commercial real estate bank in

The Netherlands”

Joop Wijn, January 2015

Example of change: Real Estate Clients

ABN AMRO aims to accelerate the transition to sustainable real estate

Transformation: 2018 Goals Results 2015 and 2016 ytd

Green and Social Landmarks:

Energy transition: Goals Results 2015 and 2016 ytd

300,000 m2

Gerrit Zalm:

“ABN AMRO strives

to contribute to the

economy in many

ways. This applies

also for Commercial

Real Estate, where

we focus on

sustainability. This

has positive effects

on the quality of real

estate collateral, the

economy and the

environment.”

30% A-label

30 Landmarks

15 offices transformed

100,597 m2

2016: 6% A-label

Coen van Oostrom,

CEO OVG:

“If ABN AMRO

realizes this, they will

be the first in The

Netherlands and in

Europe”

2016: 5 Landmarks

Sustainable Investment Tool helping clients upgrading their real estate

“I believe that we can introduce Social Impact Bonds in The Netherlands and have a positive

impact”

Ruben Koekoek, 2012

Example of change: Social Impact Bonds

ABN AMRO is leading the Dutch Social Impact Bond market

9

• 2012: started as an idea in our Innovation

Centre

• 2014: Closed first Social Impact Bond with

city of Rotterdam

• 2015: fostered the concept at Sustainable

Banking

• 2016: Public Sector Clients dedicates 2 FTE

for Social Impact Bonds as

integral part of its proposition

Social Impact Bonds impact;

• Ambassadors in (supervisory) board

• Included in the annual report

• Transactions with Rotterdam, Utrecht,

Eindhoven, Enschede and the Ministry

of justice and safety

conclusions

• Sustainability must be an integral part of your strategy

• As a bank, our impact is primarily through our clients both on the

investing as the lending side of our business

• Sustainability is an opportunity and a risk both on the short term as well

as the long term, both at operational level as well as strategic level

• Progress on sustainability is a strong lever for employee engagement

and leadership development

• Integrating Sustainability in existing organisations requires a change in

both structure and culture, leading to changes in products and services