Bienvenido Fundación PROhumana (A short presentation)

Covers with 70 branches most of Denmark

100 years anniversary in 2019 Established in June 1919 by the danish trade Unions. Unlisted limited company (limited access) Shares traded at par (fixed price 100 DKK) Employs almost 1,100 persons. Total Assets approx. DKK 40 billion (EUR 5.3 b) Core Capital of 15.2 pct. of RWA as at Net Return on Equity 11.2 pct. as at

Strategic targets 2015 Prompt and competent business handling. Business growth of 25 pct. from Attractive place to work. Financial solidity and strenght. Value creation in two dimensions - Customer value - Shareholder value

The fundamental values of Arbejdernes Landsbank and the Bank’s approach to customers, employees, cooperation partners and investments is built on respect for human beings and an objective of leaving an impression on the world as positive as possible. The Bank has a number of policies and objectives seeking to ensure and promote the well-being and financial security of its employees and customers. Arbejdernes Landsbank – built on the concept of social responsibility Personal competences and values - Team player skills - Responsibility - Agility - Customer and Business Focus General/company values - Understand customer needs and expectations - Responsibility, presence and simplicity

Corporate social responsibility - four focus areas: Customers and products Employees Society Climate and the environment

Customers and productsEmployees Responsible advisory and loans policy Transparent prices Dialogue Bonus schemes and emoluments of the Executive Management Customer satisfaction surveys Ethical investments Green loans Policy on absenteeism due to sickness Policy on stress Health and well-being Flexitime scheme Career and development plans Management surveys Senior-policy scheme SocietyClimate and the environment Humanitarian aid for children Arbejdernes Landsbanks Fond Learning and motivation +Camp Voluntary debt counselling Give Hope 8. A at Rugvængets Skole (elementary school) Trainee scheme Reduction of paper consumption Energy-efficient building projects Environmental requirements for fixtures and equipment as well as products Corporate social responsibility policy

Results from end of 2011 Customer no. 250,000 arrived this week 38,000 new customers (+ 18 %) Growth in total assets by DKK 5,7 bln (+16.5%) Growth in lendings by DKK 1 bln (+5.9 %) 3 new branches and 2 under establishment 25 new employees Won Customer Satisfaction price every year. Net results totalling DKK 1,051 mio. ( %)

New private customer concept 2015 New segments with a view to balance services No charges on basis accounts Life cycle is basis of advisory contact. Price and service incentives Gate to a digital future Phone services with evening opening hours.

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