Sustainable Finance

Responsibility for a sustainable development of the economy and society - our contribution

The financial services industry has the potential to support the transition to sustainable global growth by developing sustainable solutions for the financial world, creating attractive investment opportunities and providing reliable, comprehensive information. As an international player in the financial services sector, Aareal Bank Group's key way of adding value to society is by doing business responsibly. In this way, it can contribute to the stability of the property banking sector/financial markets and to restoring trust in the banking industry:

Stability is the top priority
Aareal Bank Group's philosophy is based on sound business practices – as can be seen, among other things, from a Common Equity Tier 1 ratio that is well above the statutory requirements. We have held our performed extremely well in a market environment that has been dominated for years by volatility and considerable uncertainty, and have consistently generated positive quarterly results since the start of the financial crisis.

Responsible corporate governance is part of our DNA
Responsible, transparent corporate governance is not just a tradition at Aareal Bank Group. It is also something to which we attach considerable importance and, in the eyes of the Management Board and Supervisory Board,expresses good business practice.

Stakeholder dialogue ‒ an opportunity
Our stakeholders are important to us – we want to understand the requirements and expectations of the various groups that have been identified as relevant for us, react to suggestions and incorporate insights into our business and decision-making processes. We see this as an opportunity – which is why an open, trusting and regular exchange of information and opinions on an equal footing is important to us.

Integrity ‒ an ethical obligation (Code of conduct)
Ensuring that activities comply with the law is critical in the financial sector. The Compliance division monitors Group-wide observance of all statutory, supervisory and internal regulations relating to compliance with the Minimum Requirements for Risk Management and the capital market, and preventing/combating money laundering, the financing of terrorism and other criminal activities. Our Code of Conduct also contains binding rules requiring all employees – regardless of their function or role – to act in an ethical manner towards clients, business partners and colleagues.

Data protection ‒ the basis for trusting business relationships
Careful, secure handling of data in order to protect the privacy of our customers and our customers' customers is the foundation of a trusting business relationship. This applies both to our banking business and to our consulting and services, which process large volumes of end user information. Voluntary external data protection audits and certification programmes demonstrate the high priority that Aareal Bank Group gives this issue.