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.