About this report
The purpose of this report is to explain how, over time, we create value for our
stakeholders – not only as a provider of banking and other financial services, but also as a responsible employer and an active contributor to society as a whole. We do this by explaining our business, strategy and financials and non-financial performance during the year, but also by providing information in the areas of risk and capital management and our governance structure – all in compliance with regulatory requirements.

Our annual reporting suite
Every year we publish our reporting suite, combining relevant annual disclosures on our performance for the year and other topics. Our Integrated Annual Report is our primary statutory and regulatory reporting disclosure. In addition,
we publish other reports, including the bank’s Impact Report, Pillar 3 Report, and Social Impact and Human Rights Update 2021. Though published as part of our annual reporting suite, all reports have their own individual purpose
and should be read stand-alone. Anticipating upcoming regulations, we have chosen for our 2021 report, to merge our previously separate Integrated Report with our statutory Annual Report – starting the journey towards publishing
a single truly Integrated Annual Report for ABN AMRO.

Note on basis of preparation
The Integrated Annual Report consists of the Executive
Board report (chapters: Introduction, Strategy, value
creation & performance, Risk, funding & capital and
Leadership & governance), the Report of the Supervisory
Board, the Annual Financial Statements and Other.
The financial information in this Integrated Annual Report
has been prepared in accordance with International
Financial Reporting Standards (IFRS), as endorsed by the
European Union (EU). It also complies with the financial
reporting requirements included in Title 9 of Book 2 of the
Dutch Civil Code, where applicable. In addition, ABN AMRO
applies the Integrated Reporting Framework to guidecontent. Annual data relates to the bank’s financial year, which runs from 1 January to 31 December. See page 370 for more information about our reporting approach, basis
of preparation and other legal notices; scope and boundaries for metrics are also included in the main body of the Report, where applicable.
To download this report or obtain more information, please visit us at abnamro.com/annualreport or contact
us at investorrelations@nl.abnamro.com. The definitions
and abbreviations used in this report can be found on
the ABN AMRO website via abnamro.com/annualreport.
European single electronic reporting format
This document is the PDF version of the Integrated
Annual Report 2021 in the European single electronic
reporting format (ESEF) and has been prepared for
ease of use. To download the ESEF reporting package,
please visit us at abnamro.com/ir or contact us
at investorrelations@nl.abnamro.com. In any case
of discrepancies between this PDF version and
the ESEF reporting package, the latter prevails.

Covid-19
The effects of Covid-19 in 2021 on the bank and our clients are described throughout this report, mainly in the chapters ‘Introduction’, ‘Strategy, value creation & performance’ and ‘Risk, funding & capital’.

Table of contents see More on
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