Inhaltsverzeichnis

1.  Einführung  1

HJULIIVHUNOlUXQJJ  QJVW  

  'HILQLWLRQYRQQ HVXQGKHLWXQGGSV FKLVFKHUUU(UNUDQNXQJ  

ODVVLILNDWLRQSV  FKLVFKHUU(UNUDQNXQJ  

2.  Neurotische, Belastungs- und somatoforme Störungen  11

3KRELVFKHH6W  UXQJHQ  

JRUDSKRELH   

6R  LDOHH3KRELHQ  

6SH  LILVFKHHLVROLHUWH3KRELHQ  

3RVWWUDXPDWLVFKHHXQGGDNXWHH  HODVWXQJVVW UXQJHQ  

HQHUDOLVLHUWHH  QJVWVW UXQJ  

3DQLNVW  UXQJJ  

3.  Epidemiologisches Profil von Angststörungen  1

4.  Entstehung von Angststörungen  2

6R  LRNXOWXUHOOHUU QVDW  

HKDYLRULVWLVFKHUU  QVDW  

LRORJLVFKHHELRFKHPLVFKHH  QVDW  

RJQLWLYRULHQWLHUWHUU  QVDW  

3V  FKRG QDPLVFKHUU QVDW  

5.  Symptomatik  2

6.  Auswirkungen auf das Leben von Betroffenen  3

3ULYDWH  OOWDJVDXIJDEHQXQGG)UHL HLWJHVWDOWXQJ  

HUXIVDOOWDJ   

7.  Bewältigungsstrategien und Therapieansätze  3

9HUKDOWHQVWKHUDSLH   

QJVWWDJHEXFK   

RQIURQWDWLRQ  ( SRVLWLRQ  

SQRWKHUDSLH   

  (QWVSDQQXQJVWUDLQLQJ  

8.  Untern Handlungsmöglichkeiten zur Unterstützung betroffener Mitarbeiter  

9RUEHUHLWXQJJDXIGLHH5FNNHKUULQQGHQQ$UEHLWVDOOWDJ /HLWIDGHQQIUUGLHHVWXIHQZHLVHH:LHGHUHLQJOLHGHUXQJJ .RQWLQXLHUOLFKHHhEHUSUIXQJJGHVV:LHGHUHLQJOLHGHUXQJVSUR]HVVHV

9. Fazit .................................................................................................................................... 4

11. Tabellen- und Abbildungsverzeichnis .......................................................................... 5

Abstract

,QQ GHQQ YHUJDQJHQHQ -DKUHQQ KDEHQQ GLH )HKO]HLWHQQ DXIJUXQG SV\FKLVFKHUU (UNUDQNXQJHQQ LPPHUU PHKUU ]XJHQRPPHQ 'RFKK GLHH (QWVWHKXQJ XQGG GHUU 9HUODXII GLHVHUU.UDQNKHLWHQQVLQGGPHLVWHQVVZHQLJHUUEHNDQQW,QQGLHVHUU$UEHLWWZHUGHQQZLFKWLJH *UXQGODJHQQ ]X SV\FKLVFKHQQ (UNUDQNXQJHQ ZLHH (QWVWHKXQJJ XQGG 6\PSWRPDWLN PLW GHPP )RNXVV DXII $QJVWVW|UXQJHQQ HUOlXWHUW 'HVV :HLWHUHQQ ZLUGG VLFKK PLWW GHU )UDJHVWHOOXQJ EHVFKlIWLJW ZHOFKHH :LHGHUHLQJOLHGHUXQJVPD‰QDKPHQQ XQGG 8QWHUVWW]XQJHQDXVEHWULHEOLFKHUU6LFKWWJHOHLVWHWWZHUGHQQNDQQ

1. Einführung

,QQGHQYHUJDQJHQHQ-DKUHQQKDEHQ.UDQNPHOGXQJHQDXIJUXQGGYRQQSV\FKLVFKHQQ (UNUDQNXQJHQQ LPPHUU PHKUU ]XJHQRPPHQ 'DVV ]HLJHQQ DXFKK VWDWLVWLVFKH (UKHEXQJHQDXV)HKO]HLWHQUHSRUWHQ

$EE:,G22)HKO]HLWHQUHSRUWW$UEHLWVXQIlKLJNHLWVIlOOH

'LHH=DKOGHUUDXIGLHVHH.UDQNKHLWVELOGHUU]XUFNJHKHQGHQQ$UEHLWVXQIlKLJNHLWVIlOOH

YHU]HLFKQHWHH PDQQ HLQHQQ EHVRQGHUVV KRKHQ $QVWLHJ GHU .UDQNPHOGXQJHQ DXIJUXQGYRQQSV\FKLVFKHQQ(UNUDQNXQJHQQ:,G2)HKO]HLWHQUHSRUWW /DXWW GHPP 5REHUWW .RFK,QVWLWXWW JHKW LQ]ZLVFKHQQ UXQGG HLQ 'ULWWHO )UKEHUHQWXQJHQQ DXI HLQHH SV\FKLVFKHH (UNUDQNXQJ ]XUFN XQGG DXFKK GLHH 3URJQRVHQQ GHUU :HOWJHVXQGKHLWVRUJDQLVDWLRQQ VWHKHQQ IUU HLQHQQ ZHLWHUHQQ $QVWLHJJ GLHVHUU.UDQNKHLWVELOGHU

bKQOLFKHH =DKOHQ ODVVHQ VLFKK DXFKK LQQ GHUU *HVXQGKHLWVEHULFKWVHUVWDWWXQJ GHV %XQGHVVZLHGHUILQGHQ

$EE*HVXQGKHLWVEHULFKWHUVWDWWXQJGHVV%XQGHV(UNUDQNXQJVJUXSSHQ 'HXWOLFKKZLUGGEHLLGHQQJHQDQQWHQQ=DKOHQGDVVVYRUUDOOHPPGHUU$QWHLOO(UNUDQNXQJHQ SV\FKLVFKHQQ *UXQGHVV JHJHQEHUU GHQQ SK\VLVFKHQQ (UNUDQNXQJHQQ JHVWLHJHQQ LVW 1DFKK'DWHQQGHUU*HVXQGKHLWVEHULFKWVHUVWDWWXQJGHVV%XQGHVZDUHQQLPP-DKUU HWZDD DOOHUU HLQJHJDQJHQHQQ .UDQNPHOGXQJHQQ DXI SV\FKLVFKHH (UNUDQNXQJHQ ]XUFN]XIKUHQ 'DPLW ]HLJW VLFK GDVVV SV\FKLVFKHH .UDQNKHLWHQQ GLHH ]ZHLWKlXILJVWH8UVDFKHQDFKKSK\VLVFKHQQ(UNUDQNXQJHQVLQG

)UU GLHH $UEHLWJHEHUU DOVV DXFKK IU GHQQ $UEHLWQHKPHUU EHGHXWHW GDVV WHLOZHLVHH NRVWHQLQWHQVLYHH XQGG ODQJDQGDXHUQGHH %HKDQGOXQJHQ $XFKK GDV VWDWLVWLVFKH %XQGHVDPWWYHU]HLFKQHWWMHGHVV-DKUHUQHXWWVWHLJHQGHH.RVWHQIUGLH%HKDQGOXQJJ YRQQSV\FKLVFKHQQ(UNUDQNXQJHQ

1XQQ VWHOOWW VLFKK GLHH )UDJH ZHUU RGHUU ZDVV GLHH 9HUDQWZRUWXQJ IUU GLHH VWHLJHQGHQ .UDQNKHLWV]DKOHQQWUlJW,PP.RQWH[WWGHVVGHPRJUDILVFKHQQ:DQGHOVZLUGGQLFKWWQXU GLHH LQGLYLGXHOOHH %HGHXWXQJ GHU $UEHLWW LPPHU JU|‰HU VRQGHUQQ DXFK GLH JHVHOOVFKDIWOLFKHH %HGHXWXQJ YRQQ $UEHLW ,PPHU PHKUU UFNWW GDVV 7KHPDD GHVV )DFKNUlIWHPDQJHOV GHU VWHLJHQGHQQ $QIRUGHUXQJHQ XQGG GHU HUZQVFKWHQ N|USHUOLFKHQQ XQGG JHLVWLJHQQ /HLVWXQJVIlKLJNHLWW YRQQ 0LWDUEHLWHUQ LQQ GHQQ )RNXV |IIHQWOLFKHUU 'LVNXVVLRQHQQ 9JO*ULHIDKQQ 6FKLFN HWW DO 'RFKK GHQ JHVWHFNWHQQ =LHOHQQ VWHKHQQ LPPHUU KlXILJHUU DUEHLWVEHGLQJWHH *HVXQGKHLWVULVLNHQ HQWJHJHQ GLHH PHKUU XQGG PHKUU GD]XX IKUHQ GDVVV 0LWDUEHLWHUU DUEHLWVXQIlKLJJ ZHUGHQQRGHUULKUHUU7lWLJNHLWWJDUQLFKWPHKUUQDFKJHKHQQN|QQHQ ,QQGHQQIROJHQGHQQ.DSLWHOQQGLHVHUU$UEHLWP|FKWHHLFKKPLFKKGDKHUUGHPP7KHPDDGHU SV\FKLVFKHQQ (UNUDQNXQJHQQ XQGG GLHH GDPLWW RIW YHUEXQGHQHH $UEHLWVXQIlKLJNHLW EHVFKlIWLJHQ 'DD GDVV 7KHPHQJHELHWW GHUDUWLJHUU .UDQNKHLWVELOGHUU VHKUU IDFHWWHQUHLFKKXQGGNRPSOH[LVWP|FKWHHLFKKPHLQHQQ)RNXVVDXIGLHH$QJVWVW|UXQJHQ VHW]HQ

,FKK ZHUGHH ]XQlFKVWW %HJULIIOLFKNHLWHQQ DXIJUHLIHQQ XQGG GLHH YHUVFKLHGHQHQQ 6W|UXQJVELOGHUU YRUVWHOOHQ 'DUDXIKLQ IROJWW GHUU %HUHLFK LQQ GHPP LFKK PLFKK PLWW GHU (QWVWHKXQJ YRQQ $QJVWVW|UXQJHQQ XQGG GHUU 6\PSWRPDWLN DXVHLQDQGHUVHW]HQQ ZHUGH ,PP )ROJHQGHQQ VWHOOHH LFKK GDQQ 7KHUDSLHP|JOLFKNHLWHQQ YRUU XQGG P|FKWH PLFKK VFKOLH‰OLFKK GDPLWW EHVFKlIWLJHQ ZHOFKHH 0D‰QDKPHQQ HLQQ 8QWHUQHKPHQ GXUFKIKUHQQ NDQQ XP HLQHH :LHGHUHLQJOLHGHUXQJ HLQHVV DXIJUXQGG YRQQ $QJVWVW|UXQJDXVJHVFKLHGHQHQQ0LWDUEHLWHUVV]XXXQWHUVWW]HQ 8PPGHQQ/HVHIOXVVV]XHUOHLFKWHUQQZLUGGLQQGLHVHUU$UEHLWWYRUZLHJHQGGGHUUPlQQOLFKHH 7HUPLQXVV YHUZHQGHW ZLHH ]% 0LWDUEHLWHU GHU VRZRKOO PlQQOLFKHH DOV DXFKK ZHLEOLFKHH$UEHLWQHKPHUUXPIDVVW

1.1 Begriffserklärung Angst

'HUU%HJULIIÄ$QJVW³LVWWYHUZDQGWWPLWWGHPPODWHLQLVFKHQQ:RUWÄDQJXVWXV³³XQGGVWHKW IUU ÄHQJ³ ÄEHHQJHQG³³ E]Z ÄGLHH IUHLHH %HZHJXQJ EHKLQGHUQG³³ 9JO 'RUVFK 3V\FKRORJLVFKHVV:|UWHUEXFK6

*HQDXVRR ZLHH GLHH 9HUKDOWHQV XQGG (UOHEQLVEHUHLFKH 6H[XDOLWlW +XQJHUU XQG $JJUHVVLRQHQQ JHK|UWW DXFKK GLHH $QJVWW ]X GHQQ *UXQGEHGLQJXQJHQQ PHQVFKOLFKHU ([LVWHQ]$QJVWWLVWWQLFKWGLUHNWWEHREDFKWEDU'LHHÄ=XRUGQXQJGHVV:RUWHV$QJVW ]XPP (UOHEQLVV GHUU $QJVWW LVWW LPPHUU LQGLYLGXHOO GK QLFKWW NRQWUROOLHUEDU SULYDW GDKHUU GDVV *HIKOO QXUU MHZHLOVV GHU 3HUVRQ GLHH GLHH $QJVWW HUOHEW ]XJlQJOLFKK LVW³ /D]DUXVVVV0DLQND*6II

'DVV 3V\FKRORJLH/H[LNRQQ QDFKK +XPEROGW GHILQLHUW GHQQ %HJULIII GHUU $QJVWW ZLH IROJW

Ä$QJVWW LVWW HLQQ PLWW %HNOHPPXQJ %HGUFNXQJ (UUHJXQJ RIWW DXFK PLWW TXlOHQGHU 9HU]ZHLIOXQJ HLQKHUJHKHQGHUU *HIKOV]XVWDQG $QJVW LVWW H[LVWHQWLHOO GDVV KHL‰W VLHHHQWVWHKWWDNWLYDXIMHGHHUHDOOHUOHEWHRGHUUDXFKEOR‰‰ YRUJHVWHOOWHKlXILJQLFKW HLQPDOO YROOO EHZXVVWHH /HEHQVEHHLQWUlFKWLJXQJ RGHUU ±EHGURKXQJ³ +XPEROGW 3V\FKRORJLH/H[LNRQ6

$QJVWLVWWDEHUUHEHQVRRHLQQ$ODUPXQG:DUQVLJQDOZHOFKHVVEHLLGHUU%HZlOWLJXQJ HLQHUU%HGURKXQJKHOIHQQVROO6RPLWWLVWWGLHH$QJVWHLQGXUFKDXVVQRWZHQGLJHUUXQG ODQJIULVWLJHU$QSDVVXQJVXQG/HUQSUR]HVV

(VV JLEWW MHGRFKK HLQHH $EJUHQ]XQJ ]ZLVFKHQQ GHPP %HJULIII GHUU $QJVWW XQGG GHPP GHU )XUFKW 'HUU %HJULIII GHU )XUFKWW VWHKWW IUU GDV SV\FKLVFKHH (UOHEHQQ HLQHUU UHDOHQQ *HIlKUGXQJ RGHUU %HGURKXQJ DXFKK DOVV 5HDODQJVW ]XX EH]HLFKQHQ (V NDQQ

KLHUEHL9HUPHLGXQJVXQGG$QJULIIVUHDNWLRQHQQLPP+LQEOLFNDXIGLHH6LWXDWLRQJHEHQ

)XUFKWLVWWDOVRRLPPHUULQQ%H]XJDXIHLQHHVSH]LILVFKHH6LWXDWLRQQRGHUUHLQQNRQNUHWHV (UHLJQLVV]XXVHKHQ9JO=LPEDUGR3V\FKRORJLH6

$QJVW LVWW HLQQ QRUPDOHVV XQGG EHNDQQWHVV *HIKO JHQDXX ZLHH )UHXGH 7UDXHU RGHU :XWZDVVMHGHU0HQVFKKNHQQW0HLVWHQVVZLUGG$QJVWWLQQ6LWXDWLRQHQQHUOHEWGLHHDOV EHGURKOLFK XQJHZLVVV RGHUU DXFKKXQNRQWUROOLHUEDUUHLQJHVWXIW ZHUGHQ $XFK ZHQQ GLHVV HLQQ QLFKWW DQJHQHKPHVV *HIKOO LVW LVWW VLHH HLQQ QDWUOLFKHVV XQGG ELRORJLVFKHV *HIKO ZHOFKHVV LPP PHQVFKOLFKHQQ 2UJDQLVPXVV IHVWJHOHJWW LVWW XQGG VRPLW NHLQHVIDOOV JHIlKUOLFKK IU GHQQ .|USHU LVW 'RFKK $QJVWW NDQQQ NUDQNKDIW ZHUGHQ 'LHVV LVWW GHUU )DOO ZHQQQ bQJVWHH XQDQJHPHVVHQQ XQGG KlXILJ DXIWUHWHQ ]X ODQJHH DQGDXHUQQXQGGPLWWHLQHP*HIKOOYHUEXQGHQVLQGNHLQHH.RQWUROOHHPHKUUEHUUGDVV $XIWUHWHQXQGG$QGDXHUQQ]XXKDEHQ

'LHVVIKUWWGDQQQRIWPDOVVGD]XGDVVVEHVWLPPWHH6LWXDWLRQHQDXFKKZHQQQVLHHNHLQH UHDOHH%HGURKXQJGDUVWHOOHQDXIJUXQGGYRQQKRKHQQ(UZDUWXQJVlQJVWHQQYHUPLHGHQQ ZHUGHQ bQJVWHHPLWW HLQHUU GHUDUWLJHQQ $XVSUlJXQJVLQGG LQQ LPPHUU PLWW HLQHPP VHKU VWDUNHQQ /HLGHQGUXFN XQG HLQHUU HQRUPHQQ (LQVFKUlQNXQJ GHUU /HEHQVTXDOLWlWW YHUEXQGHQQ9JO5XIHU$OVOHEHQQQQ:HLVV

9RQQ $QJVWVW|UXQJHQQ VSULFKWW PDQ ZHQQQ 3HUVRQHQQ XQWHU HLQHUU VWlQGLJHQ $QJVW RGHUU)XUFKWOHLGHQQXQGGGLHVHHGDVV/HEHQQLQQVlPWOLFKHQQ%HUHLFKHQQHLQVFKUlQNW

1.2 Definition von Gesundheit und psychischer Erkrankung

8QWHUU*HVXQGKHLWWLVWWZHLWPHKUU]XYHUVWHKHQQDOVVOHGLJOLFKKGLHH$EZHVHQKHLWWYRQ .UDQNKHLWVDJWHHGLHH:RUOGG+HDOWKK2UJDQLVDWLRQQ:+2DOVVHVVKLH‰‰Ä+HDOWKK LVVDDVWDWHHRIFRPSOHWHPHQWDODQGVRFLDOZHOOEHLQJDQGGQRWWPHUHO\WKHHDEVHQVH RIGLVHDVHRULQILUPLW\³³ZZZJHVXQGKHLWVPDQDJHPHQWNHQOLQHGH 8PP*HVXQGKHLWW]XHUIDVVHQVSLHOHQQVRZRKOOSK\VLVFKHHDOVVDXFKKSV\FKLVFKHHXQGG VR]LDOHH $VSHNWHH HLQH 5ROOH 'RFKK ZDVV JHQDX LVW XQWHU GHQQ HLQ]HOQHQQ $VSHNWHQ ]XXYHUVWHKHQ""

$PP,QVWLWXWWIUU6XFKWIRUVFKXQJJDQQGHU)DFKKRFKVFKXOHHLQ)UDQNIXUWDP0DLQKDW PDQQGLHH'LPHQVLRQHQQYRQQ*HVXQGKHLWWYHUVXFKWWGDU]XVWHOOHQQ9RJW 3K\VLVFKHH*HVXQGKHLWEHVFKUHLEWWÄQRUPDOH³N|USHUOLFKHH)XQNWLRQHQVSULFKKHLQH JHJHEHQH/HLVWXQJVIlKLJNHLWRKQHHRUJDQLVFKH3UREOHPDWLNHQ 'LHH SV\FKLVFKHH 'LPHQVLRQQ GHUU *HVXQGKHLWW EHVFKUHLEWW SHUV|QOLFKHV :RKOEHILQGHQSHUV|QOLFKHH6LQQILQGXQJXQGGHLQHH5HDOLVLHUXQJGHVVSHUV|QOLFKHQ 3RWHQWLDOV

'LHH VR]LDOHQ $VSHNWHH GLHH ]XUU *HVXQGKHLW EHLWUDJHQQ VWHOOHQQ .RQWDNWIlKLJNHLW 5ROOHQEHUQDKPHHXQGG7HLOKDEHHDQQJHVHOOVFKDIWOLFKHQQXQGGSROLWLVFKHQQ3UR]HVVHQ GDU

1XQQNDQQQPDQQVLFKKGLHH)UDJHVWHOOHQREEPDQQGHPQDFKKEHUKDXSWWY|OOLJJHVXQG VHLQQNDQQ"'HQQQXPVLFKKVRPLWDOVVJHVXQGEH]HLFKQHQQ]XN|QQHQPVVWHQQQXQ DOOHHJHUDGHJHQDQQWHQQ'LPHQVLRQHQQRKQHH(LQVFKUlQNXQJHQQVHLQ 0LWW HLQHUU lKQOLFKHQQ $XVOHJXQJ YRPP %HJULIII *HVXQGKHLWW DUEHLWHWW DXFK $DURQQ $QWRQRYNV\ 'HUU LVUDHOLVFKK DPHULNDQLVFKHH 0HGL]LQVR]LRORJH GHILQLHUWW *HVXQGKHLWHEHQVRRDOVVZHLWWPHKUDOVGLHHEOR‰HH$EZHVHQKHLWWYRQQ.UDQNKHLW'HU %HJUQGHUU GHUU 6DOXWRJHQHVH JHKWW GDYRQQ DXV GDVVV HVV NHLQHH ]ZHLVHLWLJH %H]LHKXQJ ]ZLVFKHQQ JHVXQGG XQGG NUDQN JLEW 9LHOPHKUU UHGHWW HU YRQQ HLQHUU %DODQFHH ]ZLVFKHQQ GLHVHQQ EHLGHQQ 3ROHQ )U GLH %HVWLPPXQJ YRQQ *HVXQGKHLW DOVVIHVWHQQ%HJULIIVLQGQDFKK$QWRQRYVN\PHKUHUH)DNWRUHQQ]XXEHUFNVLFKWLJHQ ƒ .UDQNKHLWWXQG*HVXQGKHLWWVLQGGEHREDFKWHUDEKlQJLJHH.RQVWUXNWHH ƒ 'LHH %HREDFKWXQJ YRQQ *HVXQGKHLWW HUIROJWW QXUU DQKDQGG YRQQ 6\PSWRPHQQ GLHH N|USHUOLFK ƒ SV\FKLVFKKRGHUUVR]LDOVHLQQN|QQHQ ƒ *HVXQGKHLWLVWWGHP]XIROJHQLFKWWHPSLULVFKHUIDVVEDU ƒ 0DQQGLIIHUHQ]LHUWW]ZLVFKHQQSK\VLVFKHUUXQGGSV\FKLVFKHUU*HVXQGKHLWW ƒ 'DVV $XIWUHWHQQ YRQQ .UDQNKHLWW ZLUGG GXUFKK 5LVLNRIDNWRUHQ VSULFKK 6WUHVVRUHQ XQGG6FKXW]IDNWRUHQEHHLQIOXVVWW

ƒ 5LVLNR XQGG 6FKXW]IDNWRUHQQ N|QQHH QRFKPDOVV LQQ SK\VLVFKH SV\FKLVFKH VR]LDOHHXQGGSK\VLNDOLVFKPDWHULHOOHH)DNWRUHQXQWHUWHLOWWZHUGHQQ ƒ 'DVV .RQWLQXXPP YRQQ *HVXQGKHLWW XQGG .UDQNKHLWW ZLUGG QDFKK GHP 9RUKDQGHQVHLQQYRQQ6\PSWRPHQEHHLQIOXVVWW

$QWRQRYVN\ LQWHUHVVLHUWH EHVRQGHUVV GDVV 3KlQRPHQ GDVVV 0HQVFKHQQ WURW] GHUU .RQIURQWDWLRQQPLWW*HVXQGKHLWVULVLNHQQJHVXQGGEOHLEHQQXQGGQLFKWWNUDQNZHUGHQ(U HQWZLFNHOWHH VHLQQ *HVXQGKHLWVNRQ]HSWW ZlKUHQGG HLQHVV )RUVFKXQJVSURMHNWHVV LQQ GHQQ HU-DKUHQ DOVV HUU EHLL hEHUOHEHQGHQQ 3HUVRQHQQ PHKUHUHU .RQ]HQWUDWLRQVODJHU IHVWVWHOOWH GDVV VLHH WURW] GHUU HUOLWWHQHQ 4XDOHQQ XQGG GHU HUOHEWHQQ.ULHJHHLQHQQDQJHPHVVHQHQ*HVXQGKHLWV]XVWDQGGDXIZLHVHQ 'DVV IROJHQGHH =LWDWW $QWRQRYVN\ 6 ]HLJW HEHQVRR VHLQHQQ 'HQNDQVDW] DXI

Ä,FKKJHKHHGDYRQQDXV>«@@XPPHLQHH>«@@0HWDSKHUU]X ZlKOHQGDVVV ZLUU DOOHHHLQH ODQJHH 6NLSLVWHH KHUXQWHUIDKUHQ DQQ GHUHQQ (QGHH HLQQ XQXPJlQJOLFKHUU XQGG XQHQGOLFKHUU $EJUXQGG LVW 'LHH SDWKRJHQHWLVFKH 2ULHQWLHUXQJ EHVFKlIWLJWW VLFKK KDXSWVlFKOLFKKPLWW GHQMHQLJHQ GLHDQQ HLQHQQ)HOVHQQ JHIDKUHQ VLQG HLQHQQ%DXP

PLWW HLQHP DQGHUHQ 6NLIDKUHU ]XVDPPHQJHVWR‰HQQ VLQGG RGHU LQ HLQHH *OHWVFKHUVSDOWHH ILHOHQ :HLWHUKLQQ YHUVXFKWW VLHH XQVV GDYRQQ ]X EHU]HXJHQ GDVV HVV GDVV %HVWH LVW EHUKDXSWW QLFKWW 6NLL ]X IDKUHQ 'LHH VDOXWRJHQHWLVFKH 2ULHQWLHUXQJ EHVFKlIWLJW VLFKK GDPLW ZLHH GLHH 3LVWHH XQJHIlKUOLFKHU JHPDFKW ZHUGHQQNDQQXQGGZLHHPDQQ0HQVFKHQQ]XXVHKUUJXWHQQ6NLIDKUHUQQPDFKHQNDQQ³ 'LHH*HVXQGKHLWVSV\FKRORJLHHDQWZRUWHWWPLWWGHUU)UDJHHQDFKK*HVXQGKHLWWPLWWGHP ELRPHGL]LQLVFKHQQ XQGG ELRSV\FKRVR]LDOHQQ 0RGHOOHQQ 9JO .QROOO 6FKRO] (LQIKUXQJLQQGLHH*HVXQGKHLWVSV\FKRORJLH6II

'DVV ELRPHGL]LQLVFKHH 0RGHOOO LPSOHPHQWLHUW GLHH 9RUVWHOOXQJ YRQQ .UDQNKHLWW XQGG *HVXQGKHLWW DOVV QDWXUZLVVHQVFKDIWOLFKHH XQGG REMHNWLYLHUEDUHH =XVWlQGH ELRORJLVFKHUU 2UJDQLVPHQ 8UVDFKHQQ IUU .UDQNKHLWHQ ZHUGHQQ KLHUEHLL QXUU JHQHWLVFKHQQ XQGG H[WHUQHQQ 8UVDFKHQQ ]XJHVFKULHEHQ ZLHH EHLVSLHOVZHLVHH %DNWHULHQQRGHUU9LUHQ

$QGHUVV DOVV EHLL GHU 'HILQLWLRQQ GHUU :+2 LVW *HVXQGKHLWW KLHUEHLL GLHH UHLQH $EZHVHQKHLWW YRQQ .UDQNKHLW 'DKHUU JLEWW HVV DXFKK NHLQHUOHL 9HUDQWZRUWOLFKNHLWHQ IUGLHHHLJHQH*HVXQGKHLWGHQQ.|USHUUXQG*HLVWVLQGG]ZHLLJHWUHQQWHH(LQKHLWHQ .UDQNKHLWHQQ N|QQHQQ JHZLVVV SV\FKLVFKHH 6W|UXQJHQQ RGHUU %HHLQWUlFKWLJXQJHQ DXVO|VHQMHGRFKKVDJWPDQQKLHUGDVVGLHVVQLFKWXPJHNHKUWWP|JOLFKKLVW 'DVV ELRSV\FKRVR]LDOHH 0RGHOOO O|VWHH LPP -DKUKXQGHUWW GDV ELRPHGL]LQLVFKH 0RGHOOO DEE PLWW GHUU (LQVWHOOXQJ GDVVV .UDQNKHLWHQQ YRQQ HLQHPP JHZLVVHQQ :HFKVHOVSLHO ELRORJLVFKHU SV\FKRORJLVFKHUU XQG VR]LDOHUU )DNWRUHQQ EHHLQIOXVVW XQGGYHUXUVDFKWWZHUGHQ

$EE'DVVELRSV\FKRVR]LDOH0RGHOOOQDFKK(QJHO

'LHH JHQDXHH .RGLHUXQJ HUIROJW GXUFK IUU GLHH MHZHLOLJHH SV\FKLVFKH (UNUDQNXQJ W\SLVFKHH $ENU]XQJ )) XQGG HLQHUU ]ZHLVWHOOLJHQQ =LIIHU IU GLH GD]XJHK|ULJH .DWHJRULHH GHUU 6W|UXQJ 'LHH HLQ]HOQHQQ .DWHJRULHQQ ODVVHQQ VLFKK ZLHH IROJW LQQ 8QWHUSXQNWHHDXIWHLOHQ

- 2UJDQLVFKHHLQVFKOLH‰OLFKKSV\FKLVFKHH6W|UXQJHQQ

- 3V\FKLVFKHHXQGG9HUKDOWHQVVW|UXQJHQGXUFKKSV\FKRWURSH6XEVWDQ]HQ

- 6FKL]RSKUHQLHZDKQKDIWHHXQGGVFKL]RW\SHH6W|UXQJHQ

- $IIHNWLYHH6W|UXQJHQ

- 1HXURWLVFKH%HODVWXQJVXQGVRPDWRIRUPHH6W|UXQJHQ

- 9HUKDOWHQVDXIIlOOLJNHLWHQPLWWGDPLWWYHUEXQGHQHQQN|USHUOLFKHQQ6W|UXQJHQQXQG )DNWRUHQ

- 3HUV|QOLFKNHLWVXQGG9HUKDOWHQVVW|UXQJHQ

- ,QWHOOLJHQ]PLQGHUXQJJ

- (QWZLFNOXQJVVW|UXQJJ

- 9HUKDOWHQVXQGGHPRWLRQDOHH6W|UXQJHQPLW%HJLQQQGHU.LQGKHLWWXQGG-XJHQG

- 1LFKWWQlKHUEH]HLFKQHWHHSV\FKLVFKHH6W|UXQJHQ

'DVV ,&' ]lKOWW JHQDXVRR ZLHH GLHH '60,9 ZDV IUU Ä'LDJQRVWLFF DQGG 6WDWLVWLFDO 0DQXDOORI0HQWDOO'LVRUGHUV³VWHKWWXQGGYRQQGHUU$PHULFDQQ3V\FKLDWULFF$VVRFLDWLRQ VWDPPW]XXGHQQLQWHUQDWLRQDOHQQJHVXQGKHLWVUHOHYDQWHQQ.ODVVLILNDWLRQHQ

'DVV '60,99 LVWW HLQQ PXOWLD[LDOHVV .ODVVLILNDWLRQVV\VWHPP PLWW LQVJHVDPWW IQI $FKVHQ

$FKVHH, DOOHH SV\FKLVFKHQQ 6W|UXQJHQ DX‰HUU 3HUV|QOLFKNHLWVVW|UXQJ XQG JHLVWLJH%HKLQGHUXQJJ

$FKVHH,, 3HUV|QOLFKNHLWVVW|UXQJXQGGJHLVWLJHH%HKLQGHUXQJJ $FKVHH,,,0HGL]LQLVFKHH.UDQNKHLWVIDNWRUHQQ $FKVHH,9 3V\FKRVR]LDOHHXQGGXPJHEXQJVEHGLQJWH3UREOHPHH $FKVHH9 )XQNWLRQVQLYHDXXX

+LHUEHL XPIDVVW GLH HUVWH $FKVHH DOOHH SV\FKLVFKHQQ 6W|UXQJHQ ZREHL GLH ]ZHLWHH $FKVHH VLFKK DXI ODQJ DQGDXHUQGHH XQGG HKHUU VFKZHUU ]X EHKDQGHOQGHH 6W|UXQJHQ ]HQWUDOLVLHUW hEOLFKHUZHLVHH N|QQHQQ 6W|UXQJVELOGHUU DXVV GHUU HUVWHQQ $FKVHH DXII 6W|UXQJHQQ GHUU ]ZHLWHQQ $FKVHH DXIEDXHQ %HLVSLHOVZHLVHH NDQQQ HLQHH 3HUVRQQ PLWW HLQHUU %RUGHUOLQH6W|UXQJ ]XQlFKVW ZHJHQ HLQHU 6R]LDOSKRELHH LQQ %HKDQGOXQJJ VHLQ (LQHH GLIIHUHQ]LHUWH 'DUVWHOOXQJ GLHVHU EHLGHQQ .UDQNKHLWVELOGHU ZLUG GXUFK GLHH]ZHL$FKVHQQHUP|JOLFKW

'LHH GULWWHH $FKVHH XPIDVVWW N|USHUOLFKHH )DNWRUHQ ZLHH ]XPP %HLVSLHOO +HU] 5K\WKPXV6W|UXQJHQGLHJHUDGHHEHLL$QJVWSDWLHQWHQHLQHQJUR‰HQQ(LQIOXVVVDXI GLHH:DKUQHKPXQJYRQQ$QJVWV\PSWRPHQQKDEHQQNDQQ

'LHH YLHUWHH XQGG IQIWHH $FKVHH GHVV .ODVVLILNDWLRQVV\VWHPVV JUHLIHQQ VFKOLH‰OLFKK SV\FKRVR]LDOHH3UREOHPHHXQGGGHPQDFKKDXFKKGLHHSRWHQWLHOOHQQ(LQIOXVVIDNWRUHQQDXII