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Newsletter nr 4 - July 2016
SustainableBankingThe How and Why
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
The Dutch organisation Eerlijke Bankwijzer (Fair Finance Guide) compares banks and insurance companies on
their level of sustainability. How does ABN AMRO score according to this organisation’s criteria?
Where does the bank stand
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
In the Netherlands, some forty thousand adults are incarcerated every year. Once they’ve
sat out their sentence, a mere 20 per cent of former inmates find a long-term job and many
of them become repeat offenders. A Social Impact Bond set up by ABN AMRO, the Ministry
of Security and Justice, Start Foundation and Oranje Fonds is going to help former inmates
find work and reduce recidivism.
The Ministry of Security and Justice
calls it a win-win-win situation. The
Social Impact Bond ‘Work after
Prison’ is set to help 150 former
inmates in two-and-a-half years’ time.
This should result in a 25 to 30 per
cent decrease in applications for
benefits by former inmates (win 1)
and a 10 per cent decline in repeat
offences (win 2). Moreover, investors
in Start Foundation, ABN AMRO and
Oranje Fonds will make returns on
the resulting savings (win 3).
Dennis van Breemen, programme
manager at the Directorate General
for Youth and Sanctions of the
Ministry of Security and Justice,
adds a fourth, surprising benefit: the
Social Impact Bond encourages civil
servants to think more in terms of
results. ‘The manner in which private
parties, especially banks, calculate
risks has made us more alert. It has
taught us to evaluate a project in
order to set realistic targets. This is
how we discovered that only twenty
of all former inmates find long-term
jobs. Based on this fact, we were
able to formulate our targets.’
Emerging market
‘Work after Prison’ is the third Social
Impact Bond compiled and co-
financed by ABN AMRO. The first
one was launched by Gerrit Zalm in
2013: a project aimed at helping 160
unemployed and unqualified youths
in Rotterdam find a job or go back
to school. In 2015 a second project
Fighting crime How ex-convicts benefit from a Social Impact Bond
How ex-convicts benefit from a Social Impact Bond
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
followed, helping 540 unemployed
youths in Utrecht find a job, get a
degree or start their own company.
Two more bonds might be launched
in the future. ‘The Netherlands
will then have seven Social Impact
Bonds, five of which were created
with the aid of ABN AMRO,’ says
Ruben Koekoek, Social Impact
Bonds manager. ‘This is a small but
emerging market: worldwide, there
are some sixty similar deals.’
Koekoek had read about the
concept of a Social Impact Bond
in an article on bonds in Dutch
daily Het Financieele Dagblad and,
in collaboration with the city or
Rotterdam, introduced the idea in
the Netherlands. ‘Two years later,
the first bond was launched. It was all
over the news at the time.’ That first
bond has become quite a success.
The first group of 80 youngsters that
have found a job thanks to the bond is
already yielding a return of 12 per cent.
Programme manager Van Breemen
believes these bonds have huge
potential. ‘This model can be applied
to lots of areas of public policy,
although not all social issues are
suited for it. The return generated by
savings needs to be quantifiable, the
project needs to be scalable and you
need to avoid perverse incentives
that would lead to excessive or
inappropriate savings. Basic health
care, for instance, would not be
suitable for SIBs.’
Best price
Koekoek is also optimistic. ‘The
Social Impact Bonds market has
grown most strongly in the United
Kingdom. Tender procedures are
used to challenge the market to solve
a social issue based on predefined
targets. Entrepreneurs respond in
collaboration with social investors
who are prepared to bear the risk if a
project doesn’t succeed. This enables
the government to select the best
plan at the best price.’
Minder recidive De onverwachte winst van een Social Impact Bond voor ex-gedetineerden
Consortium
The Social Impact Bond ‘Work after Prison’ will require an investment of 1.2 million euros. Over the next nine
months, reintegration bureau USG Restart, Stichting 180 and Exodus, a network of volunteers, will recruit
participants among inmates serving sentences of three to twelve months. These prisoners usually receive
counselling from the city, the intensity of which varies from one city to the next. Participants of ‘Work after
Prison’ will follow a more intensive programme: USG Restart will connect them to an employer, Exodus will
provide support and a buddy, and Stichting 180 will supply the project method and coach the social workers.
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
The world’s biggest motorcycle parking lot is now the greenest. More than 21,000 solar
panels have been installed on the roof of the parking lot at the TT Circuit in Assen,
generating enough energy to supply about 2,000 families with a year’s worth of power. ABN
AMRO is one of the three financers of this project.
GroenLeven, a supplier of solar panels,
conceived the idea of building a solar
park as a carport for motorcycles. But
a consortium of many parties was
required to actually create one of
the Netherlands’ largest solar parks.
Insurer Bovemij, ABN AMRO and
Drentse Energie Organisatie financed
the project, and the carports were built
by construction companies based in
the north of the Netherlands, such as
Van der Wiel and Mannen van Staal.
Tamoil petrol stations and TT Circuit
Assen pledged to purchase solar
energy. The Dutch province of Drenthe,
which owns the land, also participated
in the project. And, of course, TT
Circuit Assen made the motorcycle
parking lot available.
The first pile was sunk on 7 April.
The park was completed on 22
June, a few days before TT Assen
began. After the summer, the cable
network will be delivered and the
panels will start delivering energy.
The 230 stakeholders who attended
the opening agreed on one thing: the
solar park is unique in its significant
contribution to the transition to
sustainable energy. Not only because
the park is so unusual, but also
because it is the result of close
collaboration.
Infographic solar park
Green parking at TT Circuit Assen
Financing solar park Green parking at TT Circuit Assen
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
There’s a new investment option available in the world of sustainable funds: the FMO
Privium Impact Fund. Why is this good news for investors? Yvonne Bakkum, Director of FMO
Investment Management, founded by development bank FMO, explains how the fund works
and how it makes an impact.
Impact investing ‘The difference lies in the impact’
‘The difference lies in the impact’
FMO Investment Management
and fund manager Privium have
set up the FMO Privium Impact
Fund, a new fund that offers ABN
AMRO’s clients the exclusive
opportunity to invest along with
the FMO loan portfolio in emerging
economies. ‘You’re not simply
making an investment when you
put your money in this fund,’ says
Yvonne Bakkum, Director of FMO
Investment Management. ‘You’re
helping to take local economies in
development areas to a higher level
by supporting private businesses
with potential.’
‘Impact investing’ sounds
brilliant. But why would an
investor do this through the FMO
Privium Impact Fund?
‘A lot of people associate impact
investing with microfinancing of
small, self-employed people in
developing countries – farmers, for
example. But it’s much more than
that. We specialise in investments in
larger companies and projects, such
as coffee plantations and windparks.
We want to make a large impact
on society and the environment
in developing countries. This isn’t
charity – it’s important that we get
returns on investors’ money. We
have been around since the 1970s.
Thanks to our network, we are
quicker than others at discovering
promising businesses. We know
from our many years of experience
what it takes to lift businesses in
developing countries to a higher
level – to make them successful.’
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
How exactly does the FMO
Privium Impact Fund contribute to
a better world?
‘We only invest in companies if
they have a positive impact on the
local social climate or environment.
The social impact is reflected in the
increase in employment – more
jobs. As for the environment, we
look at the company’s efforts to
prevent toxic emissions. We support
these businesses and help them
succeed so that they can set an
example for other companies. They
inspire other companies in the
area to conduct their business in a
socially responsible manner.’
Can you give an example of an
ideal project?
‘The first one that comes to mind
is a rice processing plant in India,
based in the province of Uttar
Pradesh. The company has been
around for decades and is run by
two hard-working brothers who
are always on the lookout for
improvements. The result? The
company is one of the largest,
independently operating rice
processors in the region – and
therefore a big employer. With
their innovative culture, they have
developed a method for burning
rice husk, a residual product, to
generate sustainable energy. And
that’s not all. They even use the
ashes to make silica, a substance
used to make car tyres and other
products. The silica from this Indian
rice processor is of such high quality
that tyre manufacturer Goodyear
has signed a contract with them.’
Can you give an example of a
company that turned out not to
meet your strict criteria?
‘Definitely. Some time ago, we were
just about to grant a loan to a large
company in Colombia. But, just in
the nick of time, we discovered that
the company’s employees were
not allowed to join a trade union.
We couldn’t reconcile that with our
social mission, so we called off the
deal.’
What can an investor expect if
they invest in this fund?
‘The difference lies in the impact
and in making the world a better
place. That’s how we select
the sectors in which to invest:
energy, agri-business, telecoms
infrastructure and financial
institutions. Success in these
sectors is often an indication
of long-term improvement. For
example, a few years ago FMO set
the target that 80% of the energy
portfolio had to be composed of
sustainable energy projects by
2020. It’s now 2016 and this figure
is already more than 80%. Wind,
solar, water energy – they all have
enormous growth potential. Not
only commercially, but especially
socially. A stable, sustainable
energy supply is perhaps the best
foundation for growing prosperity.
For this fund, we have therefore
chosen to finance only sustainable
energy.’
Won’t truly promising companies,
wherever they are based,
draw the attention not only of
development banks like FMO, but
also of ‘mainstream’ banks?
‘That’s exactly right. But there’s an
entire segment of business that has
completely escaped the attention
of the mainstream international
banking sector. Because they’re
too small. Because they have
a different risk profile. Because
their development requires
local knowledge. These are the
companies that FMO focuses on as
a development bank. We often reach
SMEs through our financing of local
banks. A well-functioning financial
sector is the engine of the local
economy – and that’s what makes
this a very important segment for
FMO.’
How large is this fund going to
be, in terms of millions of euros?
‘We set up this fund together with
ABN AMRO and Privium because
we believe it has the potential to
grow to at least 100 million euros.
If it reaches 200 million euros, that
would be an enormous success.
For now, we have agreed on a
maximum of 300 million euros.’
What is the role of each of the
parties you just mentioned?
Impact investing ‘The difference lies in the impact’
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
‘FMO provides the loans in which
the fund can participate. FMO
Investment Management advises
the fund manager on selecting the
best loans. As the fund manager,
Privium performs the administration.
ABN AMRO believes that this fund
is very interesting to Private Banking
clients, who increasingly not only
want to see financial returns, but
also want to make a positive impact
on society. The bank wants to make
that possible by offering this type of
impact fund.’
Find out more
More information, including
essential investor information and
other documentation, is available at
http://www.fmopriviumimpactfund.nl/
(in Dutch only).
Impact investing ‘The difference lies in the impact’
‘ABN AMRO has noted that investors are becoming ever more interested in investing in sustainable funds.
Existing sustainable funds are experiencing explosive growth. The FMO Privium Impact Fund offers investors a
new choice in the spectrum of sustainable funds, one which revolves around impact. Impact investing is often
seen as a risky investment which is barely, or even totally not, liquid. This fund is reasonably liquid and can be
included in the investment portfolio. That’s why we are offering it to our clients – it’s an attractive choice for
investors who want to make an impact while getting good returns.’
Solange Rouschop, Global Head of Investment Services & Sustainability at ABN AMRO
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
You wouldn’t normally share your experiences with a competitor, but the agri-sector
businesses that participated in the Round Table on Sustainability, recently organised for clients
of Agri Commodities Clients, are an exception. Guy Hogge, Global Head of Sustainability at
Louis Dreyfus Company, and Lies Dieben, CSR Officer at Nidera, look back on this event. ‘You
don’t dictate how we should do things.’
Round table with clients There are very few places where we can talk to each other so freely
There are very few places where we can talk to each
other so freely
ABN AMRO’s Energy, Commodities
& Transportation Clients business
organised a round table discussion
with clients in the agri commodities
sector. The goal of this session was
twofold: on the one hand, ABN
AMRO wanted to present its revised
sustainability policy and get feedback
on it. On the other hand, it gave ABN
AMRO’s clients the opportunity to
engage in an interactive discussion
on social issues in the value chain.
The organisers divided up the
participants into groups and asked
them to identify the social issues
at play in specific value chains. The
themes addressed were child labour,
discrimination and human rights.
What insights did you gain during
the Round Table on Sustainability?
Guy Hogge: ‘Human rights is a hot
issue in our sector. It’s often hard to
get accurate information on whether
human rights are respected in the
value chain, especially in those parts
of the chain to which we do not have
direct access. So I thought it would
be useful to hear other companies’
experiences. There are very few
places where we can talk to each
other so freely.’
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
Lies Dieben: ‘I was already aware
that companies in our sector are
contending with the same problems,
but this session confirmed that
feeling. We could work together
much more. Sustainability
departments see the added value
of collaboration, but the businesses
are still much more hesitant. So we
first need to remove these internal
obstacles.’
ABN AMRO has revised its
sustainability policy for Agri
Commodities Clients. What do you
think about how ABN AMRO has
shared this with clients?
Hogge: ‘ABN AMRO does this
differently from other banks. We
usually talk to banks about our
approach to CSR. I think it’s great
that ABN AMRO is taking charge and
being clear about what it expects
from us. We can pass this on to our
commercial people. It’s also nice to
know that we have the same ideas
about CSR.’
Dieben: ‘I like this approach. You
don’t dictate how we should do
things, but you do ask our opinion.
The bank really listens to its
stakeholders.’
What insights did you share with
the other participants?
Hogge: ‘I hope I managed to
convey that we shouldn’t all be
reinventing the wheel. There are
so many institutions that together
have so much more knowledge
and resources than any individual
company does. Let’s make the most
of that. As an individual company, it’s
very hard to bring about change – we
need each other.’
Dieben: ‘I hope I got across how
important it is to be proactive when
it comes to sustainability. At our
company this took off after a crisis,
and that’s no good – you’re starting
from a defensive position. The main
benefit, on the other hand, was that
management was very willing to take
action.’
What are the benefits of
collaboration?
Hogge: ’It’s extremely useful to
brainstorm together using our wealth
of expertise. Collaboration allows
us to benefit fully from each other’s
insights and experiences. Take the
subject of human rights: we all
agree that they should be respected,
but it’s hard to prove that you are
working to safeguard human rights in
the value chain.’
Dieben: ‘Collaboration can be very
useful, if companies are open to it.
In our sector, transparency is still
in its infancy. It’s still very much
“every man for himself”. One place
this is evident is in the soy industry,
in which we do a lot of trading.
There’s been a proliferation of
certification schemes here. This is
counterproductive, if only because
it confuses things. It would be
better to have one standard that is
acceptable to all. It’s great that ABN
AMRO, a major financer, is pushing
sustainability.’
Round table with clients There are very few places where we can talk to each other so freely
Lies Dieben is CSR Officer at Nidera, a leading agricultural trading company that trades in and processes
coffee, cotton and dairy products. Nidera employs 3,500 people in more than 20 countries.
Guy Hogge is Global Head of Sustainability at Louis Dreyfus Company, a leadingmerchant and processor of
agricultural goods globally. The company employs more than 22,000 people and operates in more than 100
countries.
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
Sustainable procurement is crucial for ABN AMRO. It helps the bank reduce its carbon
footprint, buy responsible products and comply with standards it also expects suppliers to
comply with. Chief Procurement Officer Jan Stoop: ‘I sometimes worry when I hear people
saying “we plan to” or “we’re going to”. We need to take action now.’
Sustainable procurement We want to pass on our knowledge to our suppliers
We want to pass on our knowledge to our suppliers
Making its own offices more
sustainable, cleaning up its lease
fleet, taking the train (rather than
driving) from the Netherlands to
the bank’s offices in Frankfurt and
Paris – it’s clear that ABN AMRO is
trying to reduce the carbon emissions
produced by its own operations. It
has committed to the Dutch banks’
Climate Statement. We take our
responsibility seriously and aim to
halve our carbon emissions in 2020
compared with 2014, and to be
completely energy-neutral by 2050.
But we can’t do it alone, says Chief
Procurement Officer Jan Stoop.
‘We can control half the emissions
produced by our own operations;
for the other half, we are dependent
on our suppliers. Together with our
partners we can make a real impact.’
As a large company, ABN AMRO
can make a large impact on its
suppliers. For example, the bank uses
its tendering procedures to require
suppliers to take back material at the
end of a product’s useful life, Stoop
explains. This could initially be difficult
for the supplier, but if they design
the product taking into account easy
dismantling and recycling, they can
make optimum use of the material.
This is not just a far-away dream
according to Stoop – ABN AMRO and
its suppliers are already making buy-
back agreements on various products,
like our emergency generator.
Circular procurement
Sustainable procurement goes further
than reducing carbon emissions. For
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
example, ABN AMRO signed the
Green Deal Circular Procurement
statement in 2013, committing itself
to starting at least two circular pilots
in 2014. Today, there are a total of 32
initiatives up and running. ‘To make
these circular initiatives a success, we
need to work closely with suppliers.
We are making agreements with
them on taking back used goods,
such as computers, and on life cycle
guarantees.’
ABN AMRO is also assessing the
sustainability of all of its suppliers
based on the FIRA rating system. The
results of the FIRA rating are stored
in a special register that purchasing
officers can consult. Based on the
FIRA rating, ABN AMRO can see what
a given supplier is doing in terms of
the environment, circular production,
human rights and society. The FIRA
rating has different ‘steps’, meaning
a supplier can comply with a bare
minimum. It’s mainly these suppliers
that Jan Stoop wants to encourage
to make their operations more
sustainable. He says the FIRA rating is
only the beginning.
At ABN AMRO, we have a lot of
knowledge about sustainability and
circular production which we want to
use not only for ourselves, but also
for our clients. Above all, we want to
set an example for other companies.
Stoop: ‘We can use our knowledge
to help suppliers. You’ll often find
us at seminars and events, like the
Young Procurement Professionals
conference, which ABN AMRO is
hosting on 28 October 2016.’
Window dressing
Stoop has found at procurement
events that you have to be very
patient when it comes to promoting
sustainability. ‘Suppliers have other
priorities, which makes it hard
to achieve results quickly. But I
sometimes worry when I hear people
saying “we plan to” or “we’re going
to”. I want results, and I find myself
thinking that it’s not about window
dressing. We need to take action now.’
Stoop says the suppliers that ABN
AMRO has assessed so far have
generally scored pretty well. ‘We do
business with modern companies
that acknowledge the importance
of sustainable operations and
transparency, but there’s definitely
room for improvement.’ The bank
talks to suppliers that fail to show
demonstrable progress. ‘I have
never had to dissolve a contract. But
make no mistake – I would do it if
necessary.’
Sustainable procurement We want to pass on our knowledge to our suppliers
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
Head of Sustainable Banking Richard Kooloos ranks his favourite tweets and retweets once
every three months. This quarter’s picks: jobs for young people, an extraordinary banker
almost awarded, buildings that bind, and fifty shades of green.
Richard (re)tweets: ‘We really struck a chord’
Richard Retweets ‘We really struck a chord’
Richard Kooloos, Head of Sustainable
Banking at ABN AMRO and
registered tweeter, pressed the
tweet button almost 3,000 times in
just under 2,000 days. He shares
what he thinks, does and sees in
the world of sustainability. This is his
selection of tweets from the past
quarter.
‘The Sustainability Dialogue
was a knowledge session about
sustainability by and for ABN AMRO
staff. To our pleasant surprise, it
was fully booked within two hours:
450 people had signed up. And so
we organised a second session.
Apparently, this triggered something
in my colleagues. We explained the
whys and wherefores of sustainable
investments, the circular pavilion and
sustainable real estate. These are
stories that inspire and help us get a
handle on sustainability. So when you
go home at night you have an answer
ready when people say: ‘Yes, but
Triodos is doing more’. ‘No, it’s us and
Triodos.’ People want to be proud of
the company they work for. We really
struck a chord. I guess that’s because
there’s more and more support for
sustainability within and outside
the bank – the Climate Summit in
Paris and Urgenda’s lawsuit against
the Dutch State are testimony to
this. And during the Annual General
Meeting many questions were asked
about sustainability, and the bank
was complimented for its integrated
reporting. These days people want to
be associated with sustainability. Only
about six years ago, the Toyota Prius
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
was a symbol of sustainability. Now
it’s the Tesla, a car that appeals to an
entirely new group of people.’
‘The Green Leader Award is an
initiative of the Dutch Green Building
Council and a prize for leaders who
help make the real estate market
more sustainable. Among the project
developers and builders nominated
for the award was a banker: Rutger
Schuur, Head of Real Estate &
Public Sector Clients at ABN AMRO.
That’s quite something. People have
come to know Rutger as a banker
who is instrumental in improving
sustainability in the real estate
market. For the past six months
he has been developing a new
business model in which ABN AMRO
encourages the clients it finances
to become more sustainable. He is
in charge of real estate loans to the
tune of 15 billion euros and his goal
is crystal clear: 30 per cent of clients
with an A label for sustainability by
2018. He is our corporate activist, a
man with a mission. Three weeks
ago, he talked passionately about the
urgency of tackling climate change
before an audience of 400 bankers.
In the end it was not Rutger, but
Onno Dwars, Head of Acquisition &
Innovation at VolkerWessels Vastgoed,
who walked away with the prize.
Although it was a pity, we are happy
that the winner was, at least, a client
of ours.’
‘The real estate trade fair PROVADA
was staged in June. The picture
this paints is often one of smooth
operators and big-time money. But
we consciously opted to present a
social award at the fair: the Social
Involvement Award for real estate that
acts as a game changer. Examples
are contractors who do more than
renovate alone, giving underprivileged
neighbourhoods a facelift and making
their residents proud of where they
live. So it’s not about the highest
or most expensive buildings, but
about buildings that do something
for the community. I was a member
of the jury that had a 50 per cent
say in the outcome. The other half
was decided by the general public.
The winner was a project by Zenzo
Maatschappelijk Vastgoed in the
newly built neighbourhood of Vathorst
in Amersfoort. The neighbourhood,
called Hart van Vathorst, is
Richard Retweets ‘We really struck a chord’
This newsletter is part of the regular ABN AMRO sustainable reporting for the period: 1 april 2016 - 1 juli 2016
‘The circular economy is a central
theme for the bank, and waste
disposal and recycling have a special
part to play here. At the Waste
Conference, I talked about the
growing importance of return flows.
The waste industry is becoming a
raw material industry. The managing
director of Miele Netherlands
pointed out that two thirds of all
people in the Netherlands would
buy a Miele washing machine if they
weren’t that expensive. This means
that when the purchase price is no
longer a deterrent, there are endless
opportunities for manufacturers of
high-end products. Now what would
happen if manufacturers were to sell
laundry services rather than washing
machines? They would then also
pay the energy and water bills and
would be triggered to lower these
costs by being more energy efficient.
Or they would be encouraged to
build modular machines so that you
only need to replace a spare part if
the machine breaks down. Large
manufacturers such as Daimler are
already experimenting with a ‘car to
go’, offering their customers mobility
services. It seems increasingly logical
for manufacturers to remain the
owners of the cars they produce as
this will enable them to re-use the
spare parts as much as possible.
These examples inspire others
to come up with sound, positive
and innovative business cases.
Developments such as these give
our clients energy and we help them
make things possible.’
‘Emma at Work helps young people
who are chronically ill or who have
a physical disability find a job. The
organisation celebrated its tenth
anniversary in Amsterdam’s Okura
Hotel where the Okura-Emma at
Work award was presented for the
fourth time. ABN AMRO was this
year’s recipient of the award, which
goes to companies that show that
young chronically ill or physically
impaired people can be successfully
integrated in the workplace. Given
the multitude of procedures and rules
companies need to follow, helping
people find work is rather complex,
in particular when the job has to be
individually customised. My colleague
Yelly and her team make a point of
really getting to know the candidates
so that we look beyond their handicap
or illness and see the talented person
they are. In doing so, the team
shows true leadership. All in all, I’m
Richard Retweets ‘We really struck a chord’
ABN AMRO
Sustainable Banking
Gustav Mahlerlaan 10, 1082 PP Amsterdam
P.O. Box 283, 1000 EA Amsterdam
The Netherlands
abnamro.com/duurzaam-bankieren
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