The Bank remains committed above all else to make its own operations achieve net zero through continuous initiatives to decrease both direct and indirect carbon emissions. Tuder Real Estate – the real estate, property and facility management arm of the Bank focused on power and energy management during the year under review, applying clean technologies and layouts during the rebranding of the Bank’s branch network in 2021, including power saving systems to reduce utility consumption. Tuder renovated 20 branches, relocated 14 outlets and opened 15 newly designed and branded branches to the public, carefully considering natural lighting and other energy efficiencies to reduce the operational carbon footprint across its owned and controlled branch network.