Information pursuant to Article 6 Sustainable Finance Disclosure Regulation (Regulation (EU) 2019/2088 *)

Article 6 of Regulation (EU) 2019/2088 (Sustainable Finance Disclosure Regulation) provides for transparency requirements regarding sustainability risks. The term “sustainability risk” means an environmental, social or governance event or condition that, if it occurs, could cause an actual or a potential material negative impact on the value of the investment.

If Aareal Bank AG enters into a financial instrument (derivative transaction) with borrowers in the context of an underlying loan transaction (i.e. a loan agreement with an interest rate based on a reference interest rate and with the interest rate being periodically adjusted), such financial instruments serve the purpose to mitigate an interest rate risk stemming from the underlying loan transaction. For these mere interest rate-related financial instruments offered by Aareal Bank AG sustainability risks are not relevant and are, therefore, not subject matter of an investment advice, if any.

However, sustainability issues, e.g. information on the energy efficiency of the property/building or a valid green building certification, become increasingly relevant at the level of the underlying loan agreement itself. Please do not hesitate to contact your relationship manager at Aareal Bank AG, should you wish to discuss any of these issues.

* Regulation (EU) 2019/2088 of the european parliament and of the council of 27 November 2019 on sustainability‐related disclosures in the financial services sector