 The EMS is an integral part of the corporate strategy of all ProCredit banks, it is oriented towards social and ecological aspects and is based on a three-pillar approach.This comprises internal environmental management (Pillar I), the assessment of environmental and social risks in lending (Pillar II) and “Green Finance” (Pillar III), which includes the promotion of green loans and is the strategic focus for financing projects in the areas of energy efficiency and renewable energies (this does not apply to ProCredit Bank Germany).One of the functions of ProCredit Bank Germany is to act as a service bank for the other banks in the ProCredit group.