HCOB is operating in four market-oriented segments Real Estate, Shipping, Project Finance, and Corporates. The largest share of it’s loan book is based in the eurozone and other developed markets with high legal and social standards and strong transparency indicators. These markets are also influenced by the various international initiatives relating to ESG, making the Bank confident in its ability to successfully implement ESG standards not only for itself but also for and with its clients. In 2022, HCOB further operationalised the ESG strategy in its business segments and continuously optimised its product offerings and the ESG-related customer dialogue by additional ESG training for the relationship sales team. Large shares of the Bank’s loan book relate to real estate, which focuses on office, retail and residential buildings mostly in Germany. Besides that, the Project Finance loan book supports renewable energy and infrastructure projects throughout Europe. HCOB’s Corporate Banking activities relate to a diverse mix of segments and clients, with only a small exposure to high emission industries such as basic materials, transportation and electric utilities. HCOB’s ship financing activities are focusing mainly on the three asset classes container, bulker and tanker. As strong partner for the maritime sector, the Bank supports its clients to reduce the fuel consumption and pollutant emissions of their fleets.”