Real estate financing according to EU taxonomy with artificial intelligence at VSK 2021

20th September 2021

DYDON is deeply honored to be part of VÖB-Service Congress, the congress of the banking industry. Our Founder and CEO Dr. Hans-Peter Güllich will give a lecture on “Real estate financing according to EU taxonomy with artificial intelligence”.

The third round of this banking industry congress will take place on September 29, 2021, from 9:00 a.m. to around 3:00 p.m.

Due to the current situation, the VÖB-Service Congress will take place completely digitally this year. The Congress will be characterized by top-class specialist lectures on all aspects of the banking industry. The focus this year is on the topics of sustainable finance, digitization, non-financial risk, real estate, and derivatives & law.

Dr. Hans-Peter Güllich’s lecture topics will cover the following main questions:

Question: Why EU taxonomy and why should an EU taxo tool be developed?

According to the Paris Climate Agreement, the control of financial flows is the most important factor for sustainable development [1] . The financial services industry will therefore take a leading role towards a more sustainable future by managing financial flows. Since this control is very complex and its implementation time-consuming, system support is important.

Question: Why is real estate part of the EU taxonomy?

While global emissions from buildings are around 11%, this value deviates considerably for Europe with 40% energy consumption and 36% CO2 emissions.

Question: What is regulated?

EU taxonomy defines the conditions (e.g. CO2 emissions) under which economic activities (e.g. property management) are classified as sustainable.

Question: How is a property valuation carried out?

No fixed limit values ​​are specified for the valuation of real estate, which means that the corresponding limit value must first be determined for each property and country. The specified limits are country specific and reflect the country individual emission levels (e.g. A++ – D). This complex process can be automated using AI.

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