GRENKE : GRI Content Index 2023

REFERENCE LOCATION IN ANNUAL REPORT

NUMBER

DISCLOSURE

COMMENTS

2023

GRI 2: GENERAL DISCLOSURES 2021: THE ORGANISATION AND ITS REPORTING PRACTICES

2-1

Organisational details

We describe our organisational profile in detail in our current annual report.

1.1 GRENKE at a glance pp. 34 - 38

3.1 GRENKE at a glance p. 79

2-2

Entities included in the organisation's

A detailed list of the GRENKE Group companies can be found in the list of

Notes: 3.1 Composition of the

sustainability reporting

shareholdings of our current annual report.

Consolidated Group p. 227

10. Overview of the GRENKE Group's schedule

of shareholdings pursuant to Section 313 (2)

HGB, p. 338

2-3

Reporting period, frequency and contact point

We publish our Non-Financial statement annually as part of the Group manage-

3.1.1 Report and regulatory framework p. 79

ment report and provide additional information on our activities during the year

via other communication channels, especially our website. Please refer to

www.grenke.com/en/esg/.

2-4

Restatements of information

There were no corrections or restatements of information reported in the

Group key figures, pp. 2 - 3

previous­

period. Further information can be found

in our current annual report and in particular in the list of our Group key figures.

2-5

External assurance

Our Non-Financial statement was not yet externally audited this year.

-

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2023

GRI 2: GENERAL DISCLOSURES 2021: ACTIVITIES AND WORKERS

2-6

Activities, value chain and

The fundamentals of our business model, our value chain and our business

1.1 GRENKE at a glance pp. 34 - 37

other business relationships

relationships are explained in our latest annual report.

1.1.4 Business processes and services p. 38

2-7

Employees

We explain the development of our workforce in our latest annual report.

3.4.2.1.1 Workforce development, pp. 110 - 111

GRI 2: GENERAL DISCLOSURES 2021: GOVERNANCE

2-9

Governance structure and composition

As of December 31, 2023, our Board of Directors consisted of two male board

Our Board of Directors, p. 5

members and one female board member. All members of the Board of Directors

8.2.1 The Board of Directors, pp. 194 - 195

are "executive members". Dr Martin Paal was appointed Chief Representative

with effect from March 1, 2023 and in March 2024 with effect from July 1, 2024,

he was appointed the new Chief Financial Officer.

Each quarter, all secondary activities and holdings are reported to BaFin for

each member of the Board of Directors. Each member of the Board of Directors

is queried about secondary activities on a quarterly basis.

Isabel Rösler is a managing partner of iconel GmbH, Stuttgart.

The terms of office and competences can be found in the curricula vitae

of the board members. Please also refer towww.grenke.com/en/management/

board-of-directors/.

2-10

Nomination and selection of the

We explain our procedures for nominating and selecting members for the

8.2.2 The Supervisory Board, pp. 196 - 200

highest governance body

highest governance body in our latest annual report.

8.3 Targets for the representation of women, diversity

concept and competence profile, pp. 203 - 206

2-11

Chair of the highest governance body

Chair of the Supervisory Board is Jens Rönnberg.

Report of the Supervisory Board, pp. 13 - 26

He is not an executive in the organisation.

8.2.2 The Supervisory Board, pp. 196 - 200

2-12

Role of the highest governance body in

The Supervisory Board has appointed Dr Ljiljana Mitic as the ESG Officer.

3.3.1 Sustainable corporate governance, p. 89

­overseeing the management of impacts

As an expert in sustainable corporate development, she is supporting and

Report of the Supervisory Board, pp. 13 - 26

monitoring the ESG transformation of the GRENKE Group

8.2.2 The Supervisory Board, pp. 196 - 200

(www.grenke.com/en/management/supervisory-board/).

2-13

Delegation of responsibility for

The CEO signs responsible for ESG. The ESG department signs responsible for

managing impacts

the operational management, comprising of three employees and the Head of

ESG.

A Sustainability Committee was established in 2023, as a sparring partner for

the ESG department as well as driver of the integration of sustainability in the

relevant departments.

The 8-member committee comprises the areas of ESG, refinancing, human re-

sources, procurement and portfolio management, risk management, accounting

and taxes as well as investor relations. The CEO and the Supervisory Board's

ESG Officer also take part in the committee's meetings.

2-14

Role of the highest governance body in

Cf. 2-12.

Report of the Supervisory Board, pp. 13 - 26

sustainability reporting

The Supervisory Board is informed by the Board of Directors about topics regar-

3.3.1 Sustainable corporate governance, p. 89

ding sustainabilty along the environmental, social and governance dimensions.

8.2.2.1 Composition and work practices of the

The Supervisory Board was responsible for reviewing the content of the Non-­

Supervisory Board, p. 196

Financial statement in 2023.

2-15

Conflicts of interest

Detailed information on potential conflicts of interest is provided in the notes to

Report of the Supervisory Board, pp. 13 - 26

the consolidated financial statements as well as in the Supervisory Board report

8.2.2 The Supervisory Board, p. 196

contained in our latest annual report.

Notes: 9.5 Related party disclosures, p. 333

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2023

2-17

Collective knowledge of the highest

The members of our Supervisory Board participate in professional trainings on

Report of the Supervisory Board, pp. 13 - 26

governance body

a continous basis. All courses completed by Supervisory Board members are

8.2.2.1 Composition and work practices of the

recorded and documented. The Supervisory Board also regularly composes a

Supervisory Board, p. 196

qualification matrix based on a self-assessment in order to assess the status of

the implementation of the competence profile.

2-18

Evaluation of the performance of the

In accordance with the requirements of Section 25d (11) no. 3 of the German

8.2.2.1 Composition and work practices of the

highest governance body

Banking Act (KWG), the performance of the Board of Directors and the Super-

Supervisory Board, p. 196

visory Board is assessed annually. Additionally, the Supervisory Board regularly

composes a qualification matrix based on a self-assessment in order to assess

the implementation status of the competence profile.

2-19

Remuneration policies

We publish detailed information on our Board of Directors and Supervisory

1.3.3 Non-financial performance indicators, pp.

Board in our remuneration report. This report is publicly available at

44 - 48

www.grenke.com/en/investor-relations/reports-and-presentations/.

8.4 Remuneration of the Board of Directors and

Sustainability components in determining variable remuneration is provided

Supervisory Board, p. 206

in our current annual report.

2-20

Process to determine remuneration

Detailed information on the remuneration of the Board of Directors and

8.4 Remuneration of the Board of Directors and

Supervisory Board is provided in our current annual report and in our separate

Supervisory Board, p. 206

remuneration report.

2-21

Annual total compensation ratio

Detailed information on the remuneration of the Board of Directors and

8.4 Remuneration of the Board of Directors and

Supervisory Board is provided in our current annual report and in our separate

Supervisory Board, p. 206

remuneration report.

GRI 2: GENERAL DISCLOSURES 2021: STRATEGY, POLICIES AND PRACTICES

2-22

Statement on sustainable

Sustainability is an integral part of the business strategy and the

3.3.1 Sustainable corporate governance, p. 89

development strategy

responsibility of the CEO.

1.2 Goals and strategy, p. 38

The sustainability strategy was refined 2023.Detailed information on the im-

plementation of the strategyand sustainable development can be found in the

current annual report.

2-23

Policy commitments

Detailed information on 2-23 a) and f) can be found in our latest annual report.

3.3.2 Sustainable corporate policies, pp. 93 - 95

Please also referto www.grenke.com/code-of-conduct/.

2-24

Embedding policy commitments

As a globally active company, we are committed to complying with

3.3.2 Sustainable corporate policies, pp. 93 - 95

law and legislation - locally, nationally and internationally - as well as

3.4.3.3 Compliance and data protection,

applicable standards and guidelines. Our GRENKE Code of Conduct serves

pp. 131 - 132

as a binding guideline for our values and our compliant behavior and raises

awareness of legal risks. See at:www.grenke.com/en/esg/.

Our Compliance Office monitors regulatory standards,

while the relevant specialist departments are then responsible for

implementing the regulations.

2-25

Processes to remediate negative impacts

We provide our colleagues with various ways to report possible breaches of

3.4.3.3 Compliance and data protection,

rules. With our GRENKE Integrity Line, we enable our employees, lessees, busi-

pp. 131 - 132

ness partners and third parties bring to our attention possible breaches of rules

while maintaining confidentiality at all times. A detailed list of the information

on complaint management and the GRENKE Integrity Line can be found in the

current annual report. See also: www.grenke.com/en/grenke-integrity-line/

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NUMBER

DISCLOSURE

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2023

2-26

Mechanisms for seeking advice and

Additionally to our policies and guidelines, the HR and compliance departments

3.4.3.3 Compliance and data protection,

raising concerns

are available for possible queries by our employees. The respective contents are

pp. 131 - 132

communicated in mandatory training programmes. We also offer the GRENKE

Integrity Line, a reporting channel for whistleblowers that also allows anony-

mous reports. See also: www.grenke.com/en/grenke-integrity-line/

2-27

Compliance with laws and regulations

In the 2023 reporting year, BaFin imposed a fine of EUR 12,500 on GRENKE

-

AG in accordance with the German Money Laundering Act due to incorrect

storage of documents, which GRENKE AG itself discovered and reported to the

supervisory authority.

2-28

Membership associations

We do not engage in or finance any lobbying. We do not exert political influence

-

or donate to political parties.

We are a member of the Federal Association of German Leasing Companies

(www.bdl.leasingverband.de/).

GRI 2: GENERAL DISCLOSURES 2021: STAKEHOLDER ENGAGEMENT

2-29

Approach to stakeholder engagement

In 2023, we have further developed our engagement with stakeholders and this

3.2.1 Stakeholder dialogue and materiality analysis,

took place primarily in quarterly town hall meetings, as well as in the context of

p. 80

investor meetings, management meetings, the first meeting of the newly esta-

blished Sustainability Committee and ESG roadshows, such as those related to

our Green Bond issue. Detailed information on this can be found in our latest

annual report.

GRI 3: MATERIAL TOPICS 2021: DISCLOSURES ON MATERIAL TOPICS

3-1

Process to determine material topics

Detailed information on our materiality analysis can be found in our

3.2.1 Stakeholder dialogue and materiality analysis,

latest annual report.

pp. 80 - 82

3-2

List of material topics

Detailed information on the results of our materiality analysis can be found in

3.2.1 Stakeholder dialogue and materiality analysis,

our latest annual report.

pp. 84 - 85

3-3

Management of material topics

We describe the management of our material issues in detail in our

3.1 Non-Financial Statement 2023, from p. 79

latest Non-Financial Statement and our current annual report.

GRI 201: ECONOMIC PERFORMANCE 2016

201-1

Direct economic value generated and

The detailed disclosures were reported in our consolidated financial statements

Annual financial statements 2023 of GRENKE AG

distributed

(statement of income) for the 2023 reporting year as well as in the chapter

(Income statement), pp. 355 - 356

entitled "Share and Investor Relations" under point 6 - Annual General Meeting

Group key figures, pp. 2 - 3

and Dividend Policy.

Share and Investor Relations, 6. Annual General

Meeting and dividend policy, p. 29

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NUMBER

DISCLOSURE

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2023

201-2

Financial implications and other risks and

As a financial services provider, our corporate footprint is comparatively small

3.4.1.1 ESG products and services, pp. 96 - 100

opportunities due to climate change

and the environmental impact associated with our services is also limited. In

3.4.1.4 Climate protection and adaptation to

line with the global targets, we want to reduce our corporate footprint as far

climate change, pp. 104 - 109

as possible and have set clear targets for carbon neutrality. Our ambition is to

3.4.3.1 Risk management, p. 128

support SMEs in their sustainability transformation, for example by financing

new object types.

To this end, we have been establishing the category of green economy objects

since 2022, which comprise an increasing share of our new leasing business.

We continuously integrate ESG aspects into our risk management in line with

the requirements of the 7th amendment to BaFin's Minimum Requirements for

Risk Management (MaRisk) dated June 29, 2023 and the information sheet on

dealing with sustainability risks. We provide detailed information on this in our

current annual report.

201-3

Defined benefit plan obligations and other

We reported the required disclosures in the notes to the consolidated financial

Notes: 3.13 Pensions and other

retirement plans

statements in our latest annual report.

post-employment benefits, pp. 243 - 244

201-4

Financial assistance received from government

As part of our refinancing strategy, GRENKE BANK AG has been purchasing

3.4.2.4 Customer safety and satisfaction,

lease receivables from Consolidated Group companies since 2009. GRENKE

pp. 124 - 125

BANK also cooperates with various development banks by purchasing assigned

receivables from leases in the form of global loans. We pass on the favoura-

ble conditions to our leasing customers that result from refinancing through

development banks on a one-for-one basis.

GRI 205: ANTI-CORRUPTION 2016

205-1

Operations assessed for risks related to

We reported detailed information on our compliance audits in our

3.4.3.3 Compliance and data protection,

corruption

latest annual report.

pp. 131 - 132

205-2

Communication and training on anti-corruption

Regular training on compliance and money laundering prevention is mandatory

3.4.3.3 Compliance and data protection,

policies and procedures

for all our employees.

pp. 131 - 132

205-3

Confirmed incidents of corruption and

We did not record any confirmed incidents of corruption in the

-

actions taken

2023 reporting year.

GRI 206: ANTI-COMPETITIVE BEHAVIOUR 2016

206-1

Legal actions for anti-competitive behaviour,

As in prior years, we had no pending legal proceedings resulting from anti-­

-

anti-trust and monopoly practices

competitive behaviour or cartel or monopoly formation in the reporting year.

GRI 207: TAX 2019

207-4

Country-by-country-reporting

Detailed information on our country-specific reporting can be found in our

Country-by-Country Reporting 2023, pp. 340 - 343

latest annual report.

GRI 302: ENERGY 2016

302-1

Energy consumption within the organization

A detailed breakdown of our energy consumption in MWh, broken down by

3.4.1.4 Climate protection and adaptation to

electricity, heat and district heating, can be found in our latest annual report.

climate change, p. 108

302-4

Reduction of energy consumption

We describe the measures to reduce our energy consumption (cf. GRI 302-4 d)

3.4.1.4 Climate protection and adaptation to

in detail in our latest annual report.

climate change, p. 108

3.4.1.3 Digitalisation and resource conservation,

pp. 101 - 104

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DISCLOSURE

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2023

GRI 303: WATER AND EFFLUENTS 2018

303-1

Interactions with water as a shared resource

We take our responsibility for environmental protection very seriously and aim to

3.4.1.3 Digitalisation and resource conservation,

ensure that our business processes conserve resources. This includes the eco-

pp. 101 - 104

nomical use of energy, water and other natural resources. Our Environmental

3.3.2.1 Policies and guidelines, p. 95

Policy, published in 2023, summarises our promise along the key aspects (see

GRENKE Environmental Policy atwww.grenke.com/en/esg/).

303-5

Water consumption

We were able to determine water consumption in the GRENKE Group for the

3.4.1.3 Digitalisation and resource conservation,

first time in 2023, which resulted in a value of 40,234 cubic metres. Detailed

p. 104

information on this is provided in our latest annual report.

GRI 305: EMISSIONS 2016

305-1

Direct (Scope 1) GHG emissions

Scope 1: 3,840 tCO e2

3.4.1.4 Climate protection and adaptation to climate

We have reported detailed information on this in our latest annual report.

change, pp. 105 - 106

305-2

Energy indirect (Scope 2) GHG emissions

Scope 2: 944 tCO e2

3.4.1.4 Climate protection and adaptation to climate

We have reported detailed information on this in our latest annual report.

change, pp. 104 - 107

305-3

Other indirect (Scope 3) GHG emissions

Scope 3: 3,119 tCO e2

3.4.1.4 Climate protection and adaptation to climate

We have reported detailed information on this in our latest annual report.

change, pp. 104 - 107

305-5

Reduction of GHG emissions

Our goal is to achieve climate neutrality in terms of Scope 1 and Scope 2

3.4.1.4 Climate protection and adaptation to climate

emissions­

by 2025. We describe our measures and initiatives to achieve this

change, p. 107

goal in detail in our latest annual report.

GRI 306: WASTE 2020

306-2

Management of significant waste-related

Our non-financial statement describes the waste-prevention and circularity

3.4.1.2 Circular economy, p. 101

impacts

measures­

we are taking (306-2 a).

3.4.1.3 Digitalisation and resource conservation,

After the lease contracts expire, the majority of our lease objects are reused

p. 104

by either customers, specialist resellers, or by GRENKE Asset Brokers in our

core markets of Germany, France and Italy. We professionally dispose of lease

object using GRENKE Asset Brokers only in cases where the lease objects are

no longer functional or usable when they are returned. In the past financial year,

394 of the 27,287 lease objects returned to the asset brokers were disposed of.

We reported detailed information on this in our latest annual report.

306-3

Waste generated

In the past financial year, we were able to determine the waste generated in the

3.4.1.3 Digitalisation and resource conservation,

GRENKE Group at 135 tonnes. We report detailed information on this in our

p. 104

latest annual report.

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2023

GRI 401: EMPLOYMENT 2016

401-1

Newly employee hires and employee turnover

We explain the development of our workforce, divided by region, in our latest

3.4.2.1.1 Workforce development, pp. 110 - 111

annual report.

401-2

Benefits provided to full-time employees

There are no company benefits at GRENKE that are not also offered to

3.4.2.1.4 Work schedule models and remuneration,

that are not provided to temporary or parttime

part-­time employees. We reported detailed information on this in our latest

pp. 114 - 115

employees

non-financial statement.

401-3

Parental leave

We explain the use of flexible scheduling models in our latest annual report.

3.4.2.1.4 Work schedule models and remuneration,

p. 115

GRI 403: OCCUPATIONAL HEALTH AND SAFETY 2018

403-1

Occupational health and safety management

Our handling and the requirements for the protection of the health and safety

3.4.2.1.3 Employee satisfaction and well-being,

system

of our employees are summarised in our Occupational Health and Safety Policy

p. 113

(OHS Policy). Detailed information can be found in our latest annual report.

3.4.2.2 Labour law issues and safety, pp. 122 - 123

403-2

Hazard identification, risk assessment and

As a financial services provider, our business model does not include the offer of

3.4.2.2 Labour law issues and safety, pp. 122 - 123

incident investigation

self-produced goods. The 403-2 disclosure requirements therefore do not apply

to us, and no potential negative impacts are expected. Further details on labour

law issues and occupational safety can be found in our latest annual report.

403-3

Occupational health services

Cf. 403-2

3.4.2.2 Labour law issues and safety, pp. 122 - 123

403-5

Worker training on occupational health and

Compulsory training on "Environment, Health and Safety" covers the

3.4.2.2 Labour law issues and safety, pp. 122 - 123

safety

following topics:

- Workplace safety

- Healthy work environment/ergonomics in the workplace

- Dealing with substance abuse in the workplace

- Emergencies and incidents with active aggressors

- Fire

Employees are required to complete the training on a routine basis (every 2

years, from 2024 once a year). We also recommend that our employees partici-

pate in a further selection of German and English courses on mental health and

resilience via the LinkedIn Learning digital platform.

403-6

Promotion of worker health

To promote the health and well-being of our employees, we support other initia-

3.4.2.2 Labour law issues and safety, pp. 122 - 123

tives such as the training of Mental Health First Aiders, ergonomic workplaces,

the GRENKE MachtFit platform in Germany, and health checks for managers

over 40. There is also a subsidy for workplace glasses in Germany. Detailed

information on these initiatives can be found in our latest annual report.

403-9

Work-related injuries

We report detailed information on the reported work-related accidents in our

3.4.2.2 Labour law issues and safety, pp. 122 - 123

latest annual report.

403-10

Work-related ill health

Cf. 403-9

3.4.2.2 Labour law issues and safety, pp.122 - 123

GRI 404: TRAINING AND EDUCATION 2016

404-1

Average hours of training per year

As part of our sustainability strategy, we have defined the average number of

1.3.3 Non-financial performance indicators, p. 47

per employee

days for training and development per employee as a strategic KPI. We report

3.4.2.1.5 Employee qualification and development,

detailed information on this in our latest annual report.

p. 116

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2023

404-2

Programmes for upgrading employee skills and

Cf. 404-1

3.4.2.1.5 Employee training and development, p. 116

transition assistance programmes

404-3

Percentage of employees receiving regular

To us, personnel development is the targeted and individual development

3.4.2.1.5 Employee training and development, p. 116

performance and career development reviews

of our employees across all hierarchical levels. We offer every employee the

opportunity to have an annual review meeting with the responsible managers in

which, among other things, the degree of fulfilment of tasks is discussed and

performance, potential and individual skills are assessed. We also use this to

identify potential training needs, which are taken into account in annual training

planning. Since 2022, the annual appraisal process has also included top ma-

nagement, i.e. the first level below the Management Board.

The annual appraisal takes place between November and April of the following

year. In the 2023 reporting year, 48% of managers and 58% of employees of

the German GRENKE companies completed this annual appraisal process by

March 31, 2023. Members of the Board of Directors, trainees and students at

GRENKE, interns, temporary staff and all employees who started working at

GRENKE before June 1, 2023 are excluded from this annual appraisal process.

These employees receive a more closely meshed feedback process in their first

year of employment.

GRI 405: DIVERSITY AND EQUAL OPPORTUNITY 2016

405-1

Diversity of governance bodies and employees

We reported detailed information on diversity, inclusion and equal oppurtunities

3.4.2.1.2 Diversity, inclusion and equal opportunities,

in our latest annual report.

p. 111 - 112

405-2

Ratio of basic salary and

GRENKE plans to introduce a compensation grid in Germany in 2024 in order

3.4.2.1.3 Employee satisfaction and well-being,

remuneration of women to men

to be able to carry out a gender pay gap analysis, among other things.

p. 114

GRI 406: NON-DISCRIMINATION 2016

406-1

Incidents of discrimination and corrective

There were no reported incidents of discrimination in the 2023 financial year.

3.4.2.1.2 Diversity, inclusion and equal opportunities,

actions taken

p. 111

407-1

Operations and suppliers in which the right

to freedom of association and collective bar-

gaining may at risk

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2023

GRI 409: FORCED OR COMPULSORY LABOUR 2016

409-1

Operations and suppliers at significant risk for

Cf. 407-1.

3.3.2.1. Policies and guidelines, p. 93-95

incidents of forced or compulsory labour

3.4.2.3 Respect for human rights, p. 123

GRI 413: LOCAL COMMUNITIES 2016

413-1

Operations with local community

As a financial services provider, our business model does not include the offer of

-

engagement, impact assessments and

self-produced goods. The 413-1 disclosure requirements therefore do not apply

development programmes

to us, and no potential negative impacts on local communities are expected.

413-2

Operations with significant actual and potential

Cf. 413-1.

-

negative impacts on local communities

GRI 414: SUPPLIER SOCIAL ASSESSMENT 2016

414-1

New suppliers that were screened using

Our Code of Conduct commits our suppliers to the highest standards of social

3.3.2.1. Policies and guidelines, p. 93 - 95

social criteria

responsibility. Please referto www.grenke.com/en/code-of-conduct/.

3.4.2.3 Respect for human rights, p. 123

In 2023 GRENKE AG continued its audits and planning with regard to the im-

plementation of the German Supply Chain Sourcing Obligations Act (LkSG). The

analysis showed that GRENKE AG does not fall within the scope of the LkSG as

of January 1, 2024. We report detailed information in our current annual report.

414-2

Negative social impacts in the supply chain

Cf. 414-1

-

and actions taken

GRI 415: PUBLIC POLICY 2016

415-1

Political contributions

We do not make donations to political parties.

-

GRI 416: CUSTOMER HEALTH AND SAFETY 2016

416-1

Assessment of the health and safety impacts

As a financial services provider, the requirements of 416-1 do not apply to us.

3.3.2.1. Policies and guidelines, p. 93 - 95

of product and service categories

Our business model does not include offering self-produced goods. Never-

theless, through our Code of Conduct, we hold our suppliers to the highest

standards, which includes, for example, carrying out effective quality assurance

in the procurement of materials and minimising associated risks.

Please also referto www.grenke.com/en/code-of-conduct/

416-2

Incidents of non-compliance concerning the

Cf. 416-1

3.3.2.1. Policies and guidelines, p. 93 - 95

health and safety impacts of products and

services

GRI 418: CUSTOMER PRIVACY 2016

418-1

Substantiated complaints concerning breaches

In the 2023 reporting year, no complaints were received from clients or

3.4.3.3.3 Data protection, p. 133 - 134

of customer privacy and losses of customer

supervisory­

authorities regarding breaches of client data protection. There were

data

also no data leaks, thefts or losses of client data reported.