Aareal Bank is advertising time value accounts in the Real Estate Newspaper as a personnel management tool. The product is aimed at housing companies that want to offer employees more flexibility – for example for sabbaticals, further education or early retirement. Time value accounts allow employees to save working hours or salary and use them later for leave of absence without interrupting the employment relationship. The advertisement indicates increased marketing by the bank for this product, following labor shortages and changing working time preferences that have made the topic more relevant for housing companies.