At the same time, CIMB has introduced a Positive Impact Products and Services Framework, which takes into account economic, environmental, social and governance factors when designing financial solutions. Using this framework, we launched CIMB’s USD680 million SDG bond in 2019, with proceeds fully allocated to finance positive impact opportunities such as renewable energy, energy efficiency and affordable housing. At the beginning of 2020, CIMB committed MYR3 billion to Sustainability-Linked Loans from January 2020 to December 2024, and we are proactively presenting these offerings to clients.