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R >> endobj 135 0 obj << /S /Textbox /Type /StructElem /K [134 0 R 139 0 R 149 0 R] /P 132 0 R >> endobj 154 0 obj << /S /Span /Type /StructElem /ActualText (NET ZERO INITIATIVES: from signalling to policies ) /K [18] /P 155 0 R /Pg 7 0 R >> endobj 155 0 obj << /S /H1 /Type /StructElem /K [154 0 R] /P 156 0 R >> endobj 156 0 obj << /S /Textbox /Type /StructElem /K [155 0 R] /P 132 0 R >> endobj 157 0 obj << /S /Span /Type /StructElem /ActualText (As % of total \(regional\) market capitalization: ) /K [19] /P 158 0 R /Pg 7 0 R >> endobj 158 0 obj << /S /P /Type /StructElem /K [157 0 R] /P 159 0 R >> endobj 159 0 obj << /S /Textbox /Type /StructElem /K [158 0 R] /P 132 0 R >> endobj 160 0 obj << /S /Span /Type /StructElem /K [20] /P 161 0 R /Pg 7 0 R >> endobj 162 0 obj << /S /Span /Type /StructElem /ActualText (0%) /K [21] /P 163 0 R /Pg 7 0 R >> endobj 163 0 obj << /S /P /Type /StructElem /K [162 0 R] /P 164 0 R >> endobj 164 0 obj << /S /Textbox /Type /StructElem /K [163 0 R] /P 161 0 R >> endobj 165 0 obj << /S /Span /Type /StructElem /ActualText (20%) /K [22] /P 166 0 R /Pg 7 0 R >> endobj 166 0 obj << /S /P /Type /StructElem /K [165 0 R] /P 167 0 R >> endobj 167 0 obj << /S /Textbox /Type /StructElem /K [166 0 R] /P 161 0 R >> endobj 168 0 obj << /S /Span /Type /StructElem /ActualText (40%) /K [23] /P 169 0 R /Pg 7 0 R >> endobj 169 0 obj << /S /P /Type /StructElem /K [168 0 R] /P 170 0 R >> endobj 170 0 obj << /S /Textbox /Type /StructElem /K [169 0 R] /P 161 0 R >> endobj 171 0 obj << /S /Span /Type /StructElem /ActualText (60%) /K [24] /P 172 0 R /Pg 7 0 R >> endobj 172 0 obj << /S /P /Type /StructElem /K [171 0 R] /P 173 0 R >> endobj 173 0 obj << /S /Textbox /Type /StructElem /K [172 0 R] /P 161 0 R >> endobj 174 0 obj << /S /Span /Type /StructElem /ActualText (80%) /K [25] /P 175 0 R /Pg 7 0 R >> endobj 175 0 obj << /S /P /Type /StructElem /K [174 0 R] /P 176 0 R >> endobj 176 0 obj << /S /Textbox /Type /StructElem /K [175 0 R] /P 161 0 R >> endobj 177 0 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obj << /S /Span /Type /StructElem /K [36] /P 161 0 R /Pg 7 0 R >> endobj 200 0 obj << /S /Span /Type /StructElem /ActualText (Non-EU) /K [37] /P 201 0 R /Pg 7 0 R >> endobj 201 0 obj << /S /P /Type /StructElem /K [200 0 R] /P 202 0 R >> endobj 202 0 obj << /S /Textbox /Type /StructElem /K [201 0 R] /P 161 0 R >> endobj 203 0 obj << /S /Span /Type /StructElem /K [38] /P 161 0 R /Pg 7 0 R >> endobj 204 0 obj << /S /Span /Type /StructElem /ActualText (EU) /K [39] /P 205 0 R /Pg 7 0 R >> endobj 205 0 obj << /S /P /Type /StructElem /K [204 0 R] /P 206 0 R >> endobj 206 0 obj << /S /Textbox /Type /StructElem /K [205 0 R] /P 161 0 R >> endobj 161 0 obj << /S /Chart /Type /StructElem /K [160 0 R 164 0 R 167 0 R 170 0 R 173 0 R 176 0 R 179 0 R 182 0 R 185 0 R 189 0 R 193 0 R 197 0 R 199 0 R 202 0 R 203 0 R 206 0 R] /P 132 0 R >> endobj 207 0 obj << /S /Span /Type /StructElem /ActualText (Source: Own calculations based on data from Bloomberg LP; NZAB; NGOs) /K [40] /P 208 0 R /Pg 7 0 R >> endobj 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0 R] /P 268 0 R >> endobj 268 0 obj << /S /Textbox /Type /StructElem /K [267 0 R] /P 241 0 R >> endobj 269 0 obj << /S /Span /Type /StructElem /ActualText (90%) /K [27] /P 270 0 R /Pg 8 0 R >> endobj 270 0 obj << /S /P /Type /StructElem /K [269 0 R] /P 271 0 R >> endobj 271 0 obj << /S /Textbox /Type /StructElem /K [270 0 R] /P 241 0 R >> endobj 272 0 obj << /S /Span /Type /StructElem /ActualText (100%) /K [28] /P 273 0 R /Pg 8 0 R >> endobj 273 0 obj << /S /P /Type /StructElem /K [272 0 R] /P 274 0 R >> endobj 274 0 obj << /S /Textbox /Type /StructElem /K [273 0 R] /P 241 0 R >> endobj 275 0 obj << /S /Span /Type /StructElem /ActualText (Banks stating they) /K [29] /P 276 0 R /Pg 8 0 R >> endobj 278 0 obj << /S /Span /Type /StructElem /ActualText (have set or are) /K [30] /P 276 0 R /Pg 8 0 R >> endobj 279 0 obj << /S /Span /Type /StructElem /ActualText (committed to set an) /K [31] /P 276 0 R /Pg 8 0 R >> endobj 280 0 obj << /S /Span /Type /StructElem /ActualText (SBT) /K [32] /P 276 0 R /Pg 8 0 R >> endobj 276 0 obj << /S /P /Type /StructElem /K [275 0 R 278 0 R 279 0 R 280 0 R] /P 277 0 R >> endobj 277 0 obj << /S /Textbox /Type /StructElem /K [276 0 R] /P 241 0 R >> endobj 281 0 obj << /S /Span /Type /StructElem /ActualText (Banks with an) /K [33] /P 282 0 R /Pg 8 0 R >> endobj 284 0 obj << /S /Span /Type /StructElem /ActualText (officially committed) /K [34] /P 282 0 R /Pg 8 0 R >> endobj 285 0 obj << /S /Span /Type /StructElem /ActualText (SBT) /K [35] /P 282 0 R /Pg 8 0 R >> endobj 282 0 obj << /S /P /Type /StructElem /K [281 0 R 284 0 R 285 0 R] /P 283 0 R >> endobj 283 0 obj << /S /Textbox /Type /StructElem /K [282 0 R] /P 241 0 R >> endobj 286 0 obj << /S /Span /Type /StructElem /ActualText (Banks with a) /K [36] /P 287 0 R /Pg 8 0 R >> endobj 289 0 obj << /S /Span /Type /StructElem /ActualText (validated SBT) /K [37] /P 287 0 R /Pg 8 0 R >> endobj 287 0 obj << /S /P /Type /StructElem /K [286 0 R 289 0 R] /P 288 0 R >> endobj 288 0 obj << /S /Textbox /Type 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/Type /StructElem /ActualText (80) /K [6] /P 307 0 R /Pg 9 0 R >> endobj 314 0 obj << /S /Span /Type /StructElem /ActualText (%) /K [7] /P 307 0 R /Pg 9 0 R >> endobj 315 0 obj << /S /Span /Type /StructElem /ActualText (as) /K [8] /P 307 0 R /Pg 9 0 R >> endobj 316 0 obj << /S /Span /Type /StructElem /ActualText (much) /K [9] /P 307 0 R /Pg 9 0 R >> endobj 317 0 obj << /S /Span /Type /StructElem /ActualText (low) /K [10] /P 307 0 R /Pg 9 0 R >> endobj 318 0 obj << /S /Span /Type /StructElem /ActualText (-) /K [11] /P 307 0 R /Pg 9 0 R >> endobj 319 0 obj << /S /Span /Type /StructElem /ActualText (carbon) /K [12] /P 307 0 R /Pg 9 0 R >> endobj 320 0 obj << /S /Span /Type /StructElem /ActualText (energy) /K [13] /P 307 0 R /Pg 9 0 R >> endobj 321 0 obj << /S /Span /Type /StructElem /ActualText (supply) /K [14] /P 307 0 R /Pg 9 0 R >> endobj 322 0 obj << /S /Span /Type /StructElem /ActualText (as) /K [15] /P 307 0 R /Pg 9 0 R >> endobj 323 0 obj << /S /Span /Type /StructElem /ActualText (fossil) /K [16] /P 307 0 R /Pg 9 0 R >> endobj 324 0 obj << /S /Span /Type /StructElem /ActualText (supply) /K [17] /P 307 0 R /Pg 9 0 R >> endobj 325 0 obj << /S /Span /Type /StructElem /ActualText (.) /K [18] /P 307 0 R /Pg 9 0 R >> endobj 326 0 obj << /S /Span /Type /StructElem /ActualText (For) /K [19] /P 307 0 R /Pg 9 0 R >> endobj 327 0 obj << /S /Span /Type /StructElem /ActualText (European) /K [20] /P 307 0 R /Pg 9 0 R >> endobj 328 0 obj << /S /Span /Type /StructElem /ActualText (banks,) /K [21] /P 307 0 R /Pg 9 0 R >> endobj 329 0 obj << /S /Span /Type /StructElem /ActualText (the) /K [22] /P 307 0 R /Pg 9 0 R >> endobj 330 0 obj << /S /Span /Type /StructElem /ActualText (figure) /K [23] /P 307 0 R /Pg 9 0 R >> endobj 331 0 obj << /S /Span /Type /StructElem /ActualText (was) /K [24] /P 307 0 R /Pg 9 0 R >> endobj 332 0 obj << /S /Span /Type /StructElem /ActualText (higher) /K [25] /P 307 0 R /Pg 9 0 R >> endobj 333 0 obj << /S /Span /Type /StructElem /ActualText <28> /K [26] /P 307 0 R /Pg 9 0 R >> endobj 334 0 obj << /S /Span /Type /StructElem /ActualText (153) /K [27] /P 307 0 R /Pg 9 0 R >> endobj 335 0 obj << /S /Span /Type /StructElem /ActualText (%) /K [28] /P 307 0 R /Pg 9 0 R >> endobj 336 0 obj << /S /Span /Type /StructElem /ActualText <29> /K [29] /P 307 0 R /Pg 9 0 R >> endobj 337 0 obj << /S /Span /Type /StructElem /ActualText (.) /K [30] /P 307 0 R /Pg 9 0 R >> endobj 338 0 obj << /S /Span /Type /StructElem /ActualText (Research) /K [31] /P 307 0 R /Pg 9 0 R >> endobj 339 0 obj << /S /Span /Type /StructElem /ActualText (shows) /K [32] /P 307 0 R /Pg 9 0 R >> endobj 340 0 obj << /S /Span /Type /StructElem /ActualText (that) /K [33] /P 307 0 R /Pg 9 0 R >> endobj 341 0 obj << /S /Span /Type /StructElem /ActualText (this) /K [34] /P 307 0 R /Pg 9 0 R >> endobj 342 0 obj << /S /Span /Type /StructElem /ActualText (proportion) /K [35] /P 307 0 R /Pg 9 0 R >> endobj 343 0 obj << /S /Span /Type /StructElem /ActualText (will) /K [36] /P 307 0 R /Pg 9 0 R >> endobj 344 0 obj << /S /Span /Type /StructElem /ActualText (need) /K [37] /P 307 0 R /Pg 9 0 R >> endobj 345 0 obj << /S /Span /Type /StructElem /ActualText (to) /K [38] /P 307 0 R /Pg 9 0 R >> endobj 346 0 obj << /S /Span /Type /StructElem /ActualText (rise) /K [39] /P 307 0 R /Pg 9 0 R >> endobj 347 0 obj << /S /Span /Type /StructElem /ActualText (to) /K [40] /P 307 0 R /Pg 9 0 R >> endobj 348 0 obj << /S /Span /Type /StructElem /ActualText (4) /K [41] /P 307 0 R /Pg 9 0 R >> endobj 349 0 obj << /S /Span /Type /StructElem /ActualText (x) /K [42] /P 307 0 R /Pg 9 0 R >> endobj 350 0 obj << /S /Span /Type /StructElem /ActualText (or) /K [43] /P 307 0 R /Pg 9 0 R >> endobj 351 0 obj << /S /Span /Type /StructElem /ActualText (above) /K [44] /P 307 0 R /Pg 9 0 R >> endobj 352 0 obj << /S /Span /Type /StructElem /ActualText (.) /K [45] /P 307 0 R /Pg 9 0 R >> endobj 307 0 obj << /S /P /Type /StructElem /K [306 0 R 309 0 R 310 0 R 311 0 R 312 0 R 313 0 R 314 0 R 315 0 R 316 0 R 317 0 R 318 0 R 319 0 R 320 0 R 321 0 R 322 0 R 323 0 R 324 0 R 325 0 R 326 0 R 327 0 R 328 0 R 329 0 R 330 0 R 331 0 R 332 0 R 333 0 R 334 0 R 335 0 R 336 0 R 337 0 R 338 0 R 339 0 R 340 0 R 341 0 R 342 0 R 343 0 R 344 0 R 345 0 R 346 0 R 347 0 R 348 0 R 349 0 R 350 0 R 351 0 R 352 0 R] /P 308 0 R >> endobj 353 0 obj << /S /Span /Type /StructElem /ActualText (The) /K [46] /P 354 0 R /Pg 9 0 R >> endobj 355 0 obj << /S /Span /Type /StructElem /ActualText (Green) /K [47] /P 354 0 R /Pg 9 0 R >> endobj 356 0 obj << /S /Span /Type /StructElem /ActualText (Asset) /K [48] /P 354 0 R /Pg 9 0 R >> endobj 357 0 obj << /S /Span /Type /StructElem /ActualText (Ratio) /K [49] /P 354 0 R /Pg 9 0 R >> endobj 358 0 obj << /S /Span /Type /StructElem /ActualText (will) /K [50] /P 354 0 R /Pg 9 0 R >> endobj 359 0 obj << /S /Span /Type /StructElem /ActualText (offer) /K [51] /P 354 0 R /Pg 9 0 R >> endobj 360 0 obj << /S /Span /Type /StructElem /ActualText (a) /K [52] /P 354 0 R /Pg 9 0 R >> endobj 361 0 obj << 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R] /P 308 0 R >> endobj 379 0 obj << /S /Span /Type /StructElem /ActualText (Yet) /K [71] /P 380 0 R /Pg 9 0 R >> endobj 381 0 obj << /S /Span /Type /StructElem /ActualText (the) /K [72] /P 380 0 R /Pg 9 0 R >> endobj 382 0 obj << /S /Span /Type /StructElem /ActualText (pace) /K [73] /P 380 0 R /Pg 9 0 R >> endobj 383 0 obj << /S /Span /Type /StructElem /ActualText (of) /K [74] /P 380 0 R /Pg 9 0 R >> endobj 384 0 obj << /S /Span /Type /StructElem /ActualText (loan) /K [75] /P 380 0 R /Pg 9 0 R >> endobj 385 0 obj << /S /Span /Type /StructElem /ActualText (book) /K [76] /P 380 0 R /Pg 9 0 R >> endobj 386 0 obj << /S /Span /Type /StructElem /ActualText (greening) /K [77] /P 380 0 R /Pg 9 0 R >> endobj 387 0 obj << /S /Span /Type /StructElem /ActualText (seems) /K [78] /P 380 0 R /Pg 9 0 R >> endobj 388 0 obj << /S /Span /Type /StructElem /ActualText (slow) /K [79] /P 380 0 R /Pg 9 0 R >> endobj 389 0 obj << /S /Span /Type /StructElem /ActualText (.) /K [80] /P 380 0 R /Pg 9 0 R >> endobj 380 0 obj << /S /P /Type /StructElem /K [379 0 R 381 0 R 382 0 R 383 0 R 384 0 R 385 0 R 386 0 R 387 0 R 388 0 R 389 0 R] /P 308 0 R >> endobj 308 0 obj << /S /Textbox /Type /StructElem /K [307 0 R 354 0 R 380 0 R] /P 305 0 R >> endobj 390 0 obj << /S /Span /Type /StructElem /ActualText (LENDING: greening ) /K [81] /P 391 0 R /Pg 9 0 R >> endobj 393 0 obj << /S /Span /Type /StructElem /ActualText (loanbooks) /K [82] /P 391 0 R /Pg 9 0 R >> endobj 391 0 obj << /S /H1 /Type /StructElem /K [390 0 R 393 0 R] /P 392 0 R >> endobj 392 0 obj << /S /Textbox /Type /StructElem /K [391 0 R] /P 305 0 R >> endobj 394 0 obj << /S /Figure /Type /StructElem /K [83] /P 305 0 R /Pg 9 0 R >> endobj 395 0 obj << /S /Span /Type /StructElem /ActualText (Source: Bloomberg BNEF) /K [84] /P 396 0 R /Pg 9 0 R >> endobj 396 0 obj << /S /P /Type /StructElem /K [395 0 R] /P 397 0 R >> endobj 397 0 obj << /S /Textbox /Type /StructElem /K [396 0 R] /P 305 0 R >> endobj 305 0 obj << /S /Slide /Type /StructElem 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0 R >> endobj 415 0 obj << /S /Span /Type /StructElem /ActualText (same as reducing emissions: ) /K [7] /P 409 0 R /Pg 10 0 R >> endobj 416 0 obj << /S /Span /Type /StructElem /ActualText (in a risk management ) /K [8] /P 409 0 R /Pg 10 0 R >> endobj 417 0 obj << /S /Span /Type /StructElem /ActualText (perspective, it can be optimal for the prudential authority to ) /K [9] /P 409 0 R /Pg 10 0 R >> endobj 418 0 obj << /S /Span /Type /StructElem /ActualText (increase capital requirements on loans that are more likely ) /K [10] /P 409 0 R /Pg 10 0 R >> endobj 419 0 obj << /S /Span /Type /StructElem /ActualText (to be affected by climate change even if this results in ) /K [11] /P 409 0 R /Pg 10 0 R >> endobj 420 0 obj << /S /Span /Type /StructElem /ActualText (lower green lending.) /K [12] /P 409 0 R /Pg 10 0 R >> endobj 409 0 obj << /S /LBody /Type /StructElem /K [408 0 R 412 0 R 413 0 R 414 0 R 415 0 R 416 0 R 417 0 R 418 0 R 419 0 R 420 0 R] /P 410 0 R >> endobj 410 0 obj << /S /LI 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