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(quite) /K [4] /P 128 0 R /Pg 8 0 R >> endobj 134 0 obj << /S /Span /Type /StructElem /ActualText (old ) /K [5] /P 128 0 R /Pg 8 0 R >> endobj 128 0 obj << /S /LBody /Type /StructElem /K [127 0 R 132 0 R 133 0 R 134 0 R] /P 129 0 R >> endobj 129 0 obj << /S /LI /Type /StructElem /K [128 0 R] /P 130 0 R >> endobj 130 0 obj << /S /L /Type /StructElem /K [129 0 R] /P 131 0 R >> endobj 135 0 obj << /S /Span /Type /StructElem /ActualText (Less than 15% of total buildings are efficient in terms of energy efficiency certificates \(EEC\) grades \(C+\)) /K [6] /P 136 0 R /Pg 8 0 R >> endobj 136 0 obj << /S /P /Type /StructElem /K [135 0 R] /P 131 0 R >> endobj 137 0 obj << /S /Span /Type /StructElem /ActualText /K [7] /P 138 0 R /Pg 8 0 R >> endobj 141 0 obj << /S /Span /Type /StructElem /ActualText (Increased demand towards cheaper and older housing) /K [8] /P 138 0 R /Pg 8 0 R >> endobj 138 0 obj << /S /LBody /Type /StructElem /K [137 0 R 141 0 R] /P 139 0 R >> endobj 139 0 obj << /S /LI /Type /StructElem /K [138 0 R] /P 140 0 R >> endobj 140 0 obj << /S /L /Type /StructElem /K [139 0 R] /P 131 0 R >> endobj 142 0 obj << /S /Span /Type /StructElem /ActualText (Rising interest rates, continuously high prices for the new housing, limited availability of new and renovated housing ) /K [9] /P 143 0 R /Pg 8 0 R >> endobj 143 0 obj << /S /P /Type /StructElem /K [142 0 R] /P 131 0 R >> endobj 144 0 obj << /S /Span /Type /StructElem /ActualText /K [10] /P 145 0 R /Pg 8 0 R >> endobj 148 0 obj << /S /Span /Type /StructElem /ActualText (Slow construction and renovation) /K [11] /P 145 0 R /Pg 8 0 R >> endobj 145 0 obj << /S /LBody /Type /StructElem /K [144 0 R 148 0 R] /P 146 0 R >> endobj 146 0 obj << /S /LI /Type /StructElem /K [145 0 R] /P 147 0 R >> endobj 147 0 obj << /S /L /Type /StructElem /K [146 0 R] /P 131 0 R >> endobj 149 0 obj << /S /Span /Type /StructElem /ActualText (Structural factors contribute to the small amount of construction of new buildings ) /K [12] /P 150 0 R /Pg 8 0 R >> endobj 151 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [13] /P 150 0 R /Pg 8 0 R >> endobj 152 0 obj << /S /Span /Type /StructElem /ActualText (as well as renovation of the existing ) /K [14] /P 150 0 R /Pg 8 0 R >> endobj 153 0 obj << /S /Span /Type /StructElem /ActualText (buildings has been insufficient) /K [15] /P 150 0 R /Pg 8 0 R >> endobj 150 0 obj << /S /P /Type /StructElem /K [149 0 R 151 0 R 152 0 R 153 0 R] /P 131 0 R >> endobj 154 0 obj << /S /Span /Type /StructElem /ActualText /K [16] /P 155 0 R /Pg 8 0 R >> endobj 158 0 obj << /S /Span /Type /StructElem /ActualText (Risks) /K [17] /P 155 0 R /Pg 8 0 R >> endobj 155 0 obj << /S /LBody /Type /StructElem /K [154 0 R 158 0 R] /P 156 0 R >> endobj 156 0 obj << /S /LI /Type /StructElem /K [155 0 R] /P 157 0 R >> endobj 157 0 obj << /S /L /Type /StructElem /K [156 0 R] /P 131 0 R >> endobj 159 0 obj << /S /Span /Type /StructElem /ActualText (This deficiency can lead to collateral risks and solvency risk of borrowers as well to risk of formation of stranded assets ) /K [18] /P 160 0 R /Pg 8 0 R >> endobj 161 0 obj << /S /Span /Type /StructElem /ActualText (given the climate related targets ) /K [19] /P 160 0 R /Pg 8 0 R >> endobj 162 0 obj << /S /Span /Type /StructElem /ActualText /K [20] /P 160 0 R /Pg 8 0 R >> endobj 163 0 obj << /S /Span /Type /StructElem /ActualText (affects financial institutions and borrowers) /K [21] /P 160 0 R /Pg 8 0 R >> endobj 160 0 obj << /S /P /Type /StructElem /K [159 0 R 161 0 R 162 0 R 163 0 R] /P 131 0 R >> endobj 131 0 obj << /S /Textbox /Type /StructElem /K [130 0 R 136 0 R 140 0 R 143 0 R 147 0 R 150 0 R 157 0 R 160 0 R] /P 123 0 R >> endobj 123 0 obj << /S /Slide /Type /StructElem /K [122 0 R 126 0 R 131 0 R] /P 3 0 R >> endobj 173 0 obj << /S /Span /Type /StructElem /K [0] /P 174 0 R /Pg 9 0 R >> endobj 175 0 obj << /S /Span /Type /StructElem /ActualText (Way forward) /K [1] /P 176 0 R /Pg 9 0 R >> endobj 176 0 obj << /S /H1 /Type /StructElem /K [175 0 R] /P 177 0 R >> endobj 177 0 obj << /S /Textbox /Type /StructElem /K [176 0 R] /P 174 0 R >> endobj 178 0 obj << /S /Span /Type /StructElem /ActualText /K [2] /P 179 0 R /Pg 9 0 R >> endobj 183 0 obj << /S /Span /Type /StructElem /ActualText (Structural shift) /K [3] /P 179 0 R /Pg 9 0 R >> endobj 179 0 obj << /S /LBody /Type /StructElem /K [178 0 R 183 0 R] /P 180 0 R >> endobj 180 0 obj << /S /LI /Type /StructElem /K [179 0 R] /P 181 0 R >> endobj 181 0 obj << /S /L /Type /StructElem /K [180 0 R] /P 182 0 R >> endobj 184 0 obj << /S /Span /Type /StructElem /ActualText (Towards energy) /K [4] /P 185 0 R /Pg 9 0 R >> endobj 186 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [5] /P 185 0 R /Pg 9 0 R >> endobj 187 0 obj << /S /Span /Type /StructElem /ActualText (efficient housing ) /K [6] /P 185 0 R /Pg 9 0 R >> endobj 188 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [7] /P 185 0 R /Pg 9 0 R >> endobj 189 0 obj << /S /Span /Type /StructElem /ActualText (primarily non) /K [8] /P 185 0 R /Pg 9 0 R >> endobj 190 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [9] /P 185 0 R /Pg 9 0 R >> endobj 191 0 obj << /S /Span /Type /StructElem /ActualText (macroprudential structural policy measures should be used for the ) /K [10] /P 185 0 R /Pg 9 0 R >> endobj 192 0 obj << /S /Span /Type /StructElem /ActualText (underlying causes \(communication with the respective policy makers is ongoing\) ) /K [11] /P 185 0 R /Pg 9 0 R >> endobj 185 0 obj << /S /P /Type /StructElem /K [184 0 R 186 0 R 187 0 R 188 0 R 189 0 R 190 0 R 191 0 R 192 0 R] /P 182 0 R >> endobj 193 0 obj << /S /Span /Type /StructElem /ActualText /K [12] /P 194 0 R /Pg 9 0 R >> endobj 197 0 obj << /S /Span /Type /StructElem /ActualText (Possible adjustments in the macroprudential framework) /K [13] /P 194 0 R /Pg 9 0 R >> endobj 194 0 obj << /S /LBody /Type /StructElem /K [193 0 R 197 0 R] /P 195 0 R >> endobj 195 0 obj << /S /LI /Type /StructElem /K [194 0 R] /P 196 0 R >> endobj 196 0 obj << /S /L /Type /StructElem /K [195 0 R] /P 182 0 R >> endobj 198 0 obj << /S /Span /Type /StructElem /ActualText (Growing support towards systemic risk buffer \() /K [14] /P 199 0 R /Pg 9 0 R >> endobj 200 0 obj << /S /Span /Type /StructElem /ActualText (SyRB) /K [15] /P 199 0 R /Pg 9 0 R >> endobj 201 0 obj << /S /Span /Type /StructElem /ActualText (\) and BBMs as the most appropriate tools) /K [16] /P 199 0 R /Pg 9 0 R >> endobj 199 0 obj << /S /P /Type /StructElem /K [198 0 R 200 0 R 201 0 R] /P 182 0 R >> endobj 202 0 obj << /S /Span /Type /StructElem /ActualText /K [17] /P 203 0 R /Pg 9 0 R >> endobj 206 0 obj << /S /Span /Type /StructElem /ActualText (Science and finances) /K [18] /P 203 0 R /Pg 9 0 R >> endobj 203 0 obj << /S /LBody /Type /StructElem /K [202 0 R 206 0 R] /P 204 0 R >> endobj 204 0 obj << /S /LI /Type /StructElem /K [203 0 R] /P 205 0 R >> endobj 205 0 obj << /S /L /Type /StructElem /K [204 0 R] /P 182 0 R >> endobj 207 0 obj << /S /Span /Type /StructElem /ActualText (Focus on EEC) /K [19] /P 208 0 R /Pg 9 0 R >> endobj 208 0 obj << /S /P /Type /StructElem /K [207 0 R] /P 182 0 R >> endobj 209 0 obj << /S /Span /Type /StructElem /ActualText /K [20] /P 210 0 R /Pg 9 0 R >> endobj 213 0 obj << /S /Span /Type /StructElem /ActualText (Adjusted BBMs ) /K [21] /P 210 0 R /Pg 9 0 R >> endobj 214 0 obj << /S /Span /Type /StructElem /ActualText /K [22] /P 210 0 R /Pg 9 0 R >> endobj 215 0 obj << /S /Span /Type /StructElem /ActualText (saved costs approach) /K [23] /P 210 0 R /Pg 9 0 R >> endobj 210 0 obj << /S /LBody /Type /StructElem /K [209 0 R 213 0 R 214 0 R 215 0 R] /P 211 0 R >> endobj 211 0 obj << /S /LI /Type /StructElem /K [210 0 R] /P 212 0 R >> endobj 212 0 obj << /S /L /Type /StructElem /K [211 0 R] /P 182 0 R >> endobj 216 0 obj << /S /Span /Type /StructElem /ActualText (Alleviated BBM only partially promote the structural shift in demand for energy efficient housing) /K [24] /P 217 0 R /Pg 9 0 R >> endobj 217 0 obj << /S /P /Type /StructElem /K [216 0 R] /P 182 0 R >> endobj 182 0 obj << /S /Textbox /Type /StructElem /K [181 0 R 185 0 R 196 0 R 199 0 R 205 0 R 208 0 R 212 0 R 217 0 R] /P 174 0 R >> endobj 174 0 obj << /S /Slide /Type /StructElem /K [173 0 R 177 0 R 182 0 R] /P 3 0 R >> endobj 220 0 obj << /S /Span /Type /StructElem /K [0] /P 221 0 R /Pg 10 0 R >> endobj 222 0 obj << /S /Span /Type /StructElem /ActualText /K [1] /P 223 0 R /Pg 10 0 R >> endobj 227 0 obj << /S /Span /Type /StructElem /ActualText (Higher interest rates ) /K [2] /P 223 0 R /Pg 10 0 R >> endobj 228 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [3] /P 223 0 R /Pg 10 0 R >> endobj 229 0 obj << /S /Span /Type /StructElem /ActualText (DSTI ) /K [4] /P 223 0 R /Pg 10 0 R >> endobj 230 0 obj << /S /Span /Type /StructElem /ActualText (more binding) /K [5] /P 223 0 R /Pg 10 0 R >> endobj 223 0 obj << /S /LBody /Type /StructElem /K [222 0 R 227 0 R 228 0 R 229 0 R 230 0 R] /P 224 0 R >> endobj 224 0 obj << /S /LI 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endobj 238 0 obj << /S /LI /Type /StructElem /K [237 0 R] /P 239 0 R >> endobj 242 0 obj << /S /Span /Type /StructElem /ActualText /K [11] /P 243 0 R /Pg 10 0 R >> endobj 245 0 obj << /S /Span /Type /StructElem /ActualText (Up to 8 for greater policy support) /K [12] /P 243 0 R /Pg 10 0 R >> endobj 243 0 obj << /S /LBody /Type /StructElem /K [242 0 R 245 0 R] /P 244 0 R >> endobj 244 0 obj << /S /LI /Type /StructElem /K [243 0 R] /P 239 0 R >> endobj 246 0 obj << /S /Span /Type /StructElem /ActualText /K [13] /P 247 0 R /Pg 10 0 R >> endobj 249 0 obj << /S /Span /Type /StructElem /ActualText (Lower interest rates ) /K [14] /P 247 0 R /Pg 10 0 R >> endobj 250 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [15] /P 247 0 R /Pg 10 0 R >> endobj 251 0 obj << /S /Span /Type /StructElem /ActualText (DTI ) /K [16] /P 247 0 R /Pg 10 0 R >> endobj 252 0 obj << /S /Span /Type /StructElem /ActualText (more binding) /K [17] /P 247 0 R /Pg 10 0 R >> endobj 247 0 obj << /S /LBody /Type 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obj << /S /Span /Type /StructElem /ActualText (Energy efficiency certificates \(EEC\)) /K [27] /P 272 0 R /Pg 10 0 R >> endobj 272 0 obj << /S /P /Type /StructElem /K [271 0 R] /P 273 0 R >> endobj 273 0 obj << /S /Textbox /Type /StructElem /K [272 0 R] /P 221 0 R >> endobj 274 0 obj << /S /Span /Type /StructElem /ActualText (D) /K [28] /P 275 0 R /Pg 10 0 R >> endobj 277 0 obj << /S /Span /Type /StructElem /ActualText (ebt) /K [29] /P 275 0 R /Pg 10 0 R >> endobj 278 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [30] /P 275 0 R /Pg 10 0 R >> endobj 279 0 obj << /S /Span /Type /StructElem /ActualText (to) /K [31] /P 275 0 R /Pg 10 0 R >> endobj 280 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [32] /P 275 0 R /Pg 10 0 R >> endobj 281 0 obj << /S /Span /Type /StructElem /ActualText (income \(D) /K [33] /P 275 0 R /Pg 10 0 R >> endobj 282 0 obj << /S /Span /Type /StructElem /ActualText (TI) /K [34] /P 275 0 R /Pg 10 0 R >> endobj 283 0 obj << /S /Span /Type /StructElem /ActualText <29> /K [35] /P 275 0 R /Pg 10 0 R >> endobj 275 0 obj << /S /P /Type /StructElem /K [274 0 R 277 0 R 278 0 R 279 0 R 280 0 R 281 0 R 282 0 R 283 0 R] /P 276 0 R >> endobj 276 0 obj << /S /Textbox /Type /StructElem /K [275 0 R] /P 221 0 R >> endobj 284 0 obj << /S /Span /Type /StructElem /ActualText (D) /K [36] /P 285 0 R /Pg 10 0 R >> endobj 287 0 obj << /S /Span /Type /StructElem /ActualText (ebt) /K [37] /P 285 0 R /Pg 10 0 R >> endobj 288 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [38] /P 285 0 R /Pg 10 0 R >> endobj 289 0 obj << /S /Span /Type /StructElem /ActualText (service) /K [39] /P 285 0 R /Pg 10 0 R >> endobj 290 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [40] /P 285 0 R /Pg 10 0 R >> endobj 291 0 obj << /S /Span /Type /StructElem /ActualText (to) /K [41] /P 285 0 R /Pg 10 0 R >> endobj 292 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [42] /P 285 0 R /Pg 10 0 R >> endobj 293 0 obj << /S /Span /Type /StructElem /ActualText (income \(D) /K [43] /P 285 0 R /Pg 10 0 R >> endobj 294 0 obj << /S /Span /Type /StructElem /ActualText (STI) /K [44] /P 285 0 R /Pg 10 0 R >> endobj 295 0 obj << /S /Span /Type /StructElem /ActualText <29> /K [45] /P 285 0 R /Pg 10 0 R >> endobj 285 0 obj << /S /P /Type /StructElem /K [284 0 R 287 0 R 288 0 R 289 0 R 290 0 R 291 0 R 292 0 R 293 0 R 294 0 R 295 0 R] /P 286 0 R >> endobj 286 0 obj << /S /Textbox /Type /StructElem /K [285 0 R] /P 221 0 R >> endobj 296 0 obj << /S /Span /Type /StructElem /ActualText /K [46] /P 297 0 R /Pg 10 0 R >> endobj 301 0 obj << /S /Span /Type /StructElem /ActualText (As of now only 15% of the housing ) /K [47] /P 297 0 R /Pg 10 0 R >> endobj 302 0 obj << /S /Span /Type /StructElem /ActualText (stock) /K [48] /P 297 0 R /Pg 10 0 R >> endobj 297 0 obj << /S /LBody /Type /StructElem /K [296 0 R 301 0 R 302 0 R] /P 298 0 R >> endobj 298 0 obj << /S /LI /Type /StructElem /K [297 0 R] /P 299 0 R >> endobj 303 0 obj << /S /Span /Type /StructElem /ActualText /K [49] /P 304 0 R /Pg 10 0 R >> endobj 306 0 obj << /S /Span /Type /StructElem /ActualText (Not only new \(A and A+\), but also ) /K [50] /P 304 0 R /Pg 10 0 R >> endobj 307 0 obj << /S /Span /Type /StructElem /ActualText (supports renovation \(B and C\)) /K [51] /P 304 0 R /Pg 10 0 R >> endobj 304 0 obj << /S /LBody /Type /StructElem /K [303 0 R 306 0 R 307 0 R] /P 305 0 R >> endobj 305 0 obj << /S /LI /Type /StructElem /K [304 0 R] /P 299 0 R >> endobj 299 0 obj << /S /L /Type /StructElem /K [298 0 R 305 0 R] /P 300 0 R >> endobj 300 0 obj << /S /Textbox /Type /StructElem /K [299 0 R] /P 221 0 R >> endobj 221 0 obj << /S /Slide /Type /StructElem /K [220 0 R 226 0 R 240 0 R 255 0 R 261 0 R 264 0 R 269 0 R 273 0 R 276 0 R 286 0 R 300 0 R] /P 3 0 R >> endobj 309 0 obj << /S /Span /Type /StructElem /K [0] /P 310 0 R /Pg 11 0 R >> endobj 311 0 obj << /S /Span /Type /StructElem /ActualText (Thank you for your attention!) /K [1] /P 312 0 R /Pg 11 0 R >> endobj 312 0 obj << /S 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