Komplett Bank Annual Report 2020

Based on the results from the materiality analysis, Komplett Bank has identified the following three topics as focus areas for long- term value creation for all stakeholders: Ǵ Responsible lending Ǵ Anti-corruption and money-laundering (AML) Ǵ Data security and customer privacy These topics resonate with those identified by the Sustainability Accounting Standards Board’s Materiality Map (the “SASB Materiality Map®”) as factors that are likely to materially affect the financial condition or operating performance of companies within the financial services sector and specifically for the consumer finance sub-industry, as well as with material issues highlighted by MSCI ESG Ratings in their overview for the Financials sector and Consumer Finance sub-category. Below is an overview of the feedback from external and internal stakeholders: Feedback from external and internal stakeholders 0 1 2 3 4 5 6 7 8 9 0,0 1,0 2,0 3,0 4,0 5,0 6,0 7,0 8,0 9,0 Importance to company Importance to stakeholders Anti-corruption and anti-money laundering Data security Ethical business behavior Environmental footprint Selling practices and product labelling Diversity, non-discrimination and equal opportunities Responsible lending Customer privacy Customer service Working conditions Komplett Bank Annual Report 2020 23