As a leading financier of commercial real estate, pbb believes it has a responsibility to help shape the path to a net-zero world - after all, the real estate sector accounts for around 40 per cent of CO2 emissions worldwide. It therefore aims to steadily and permanently reduce its ecological footprint and avoid environmental pollution. It intends to achieve this through the following approaches: Aligning its lending business with ESG criteria, refinancing through "green" financial products, but also through the responsible use of natural resources.