Komplett Bank Annual Report 2021

ESG/Sustainability/CSR report Introduction Stakeholder value creation is the foundation for Komplett Bank’s strategy, and the beacon for the Bank’s environmental, social and governance (ESG) framework, goals and KPIs. Komplett Bank’s mission is to provide straightforward and intuitive financing services to creditworthy individuals. By offering financial flexibility, Komplett Bank empowers its customers to take charge of their own situation, in their own way and on their own time. By being a responsible lender and providing creditworthy individuals with financial flexibility, Komplett Bank contributes to generating economic activity and growth – creating value for the society at large. Komplett Bank’s organisation and culture are the key drivers behind the Bank’s stakeholder value creation. Four core values describe the Bank’s culture, and guides the organisations’ choices when faced with opportunities and challenges: - Flexible - Ambitious - Competent - Efficient These values – being open to change, setting ambitious targets, executing competently, and eliminating waste – are prerequisites for driving continuous ESG improvement, as the Bank sees it. The Board of Directors has the overall responsibility for alignment of Komplett Bank’s strategy and corporate social responsibility (CSR) and sustainability considerations. The day-to-day opera- tional responsibility is delegated to the Compliance area. Komplett Bank has adopted ethical guidelines, which set out the framework for helping its representatives perform their duties in an ethically responsible manner and in line with the standards established by the Bank. An account is given below of how the Bank ensures that corporate social responsibility forms an integral part of its operations and long-term value creation. Material ESG factors In 2020, Komplett Bank initiated a programme for developing its framework for transparent reporting and communication related to the Bank’s corporate responsibility. To ensure that Komplett Bank prioritises issues that matter most to its business and its stakeholders, a materiality analysis was conducted at the end of the year. Komplett Bank has identified the following three topics as focus areas for long- term value creation for all stakeholders: - Responsible lending - Anti-corruption and money-laundering (AML) - 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. Reporting and future priorities This report centres around the three focus areas, describing the Bank’s approach, initiatives and results under each section. Other key ESG topics are also addressed in the report. Below is an overview of Komplett Bank’s KPI targets for measuring its ESG performance over time as shown below. , The Bank will intensify its efforts to achieve its zero-targets in these departments going forward. 22 ESG/Sustainability/CSR report

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