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 30.6.14• Net Return on Equity 11.2 pct. as at 31.12.13

Strategic targets 2015• Prompt and competent business handling.• Business growth of 25 pct. from 2012-2015• 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 products Employees

• 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

Society Climate 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. (+ 33.3 %)

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.

Thank you for your attention• Any questions ?