ING has the opportunity to achieve greater impact through our clients. So far, under our Terra approach we have defined sector-level climate metrics and targets such as technology change and emissions-intensity reduction to align our lending portfolio with the Paris Agreement. The approach focuses on the most climate-relevant sectors as measured by their global carbon footprint (i.e. those sectors responsible for approximately 75% of total global emissions). To do so, we apply multiple technologies, with the two primary ones being the PACTA approach for corporate lending and the