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Wholesale Banking

Our sustainability ambition

We're not just green thought leaders, we actually work hand-in-hand with our clients to address some of the most pressing issues in the world today.

The world is changing. We need to support that change and make real progress possible, even if it’s not always perfect. From pioneering the first sustainability-linked loan to developing the green derivatives market, we’re creating new ways to build a more sustainable future through banking. 

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We aim high

We began steering the nine highest emitting sectors in our loan book with the Paris Agreement’s goal of well-below two-degrees.

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We lead by example

We want to help lead the global transition to a low-carbon, climate-resilient economy. This starts at home by managing our own environmental footprint through our operations and suppliers.

Our sustainability direction

With around 38 million customers in over 35 countries, our business activities have a significant influence on communities and the environment.

For us, this means making the right choices in how, where and with whom we do business – and crucially, being transparent about the underlying principles that guide our daily business decisions.

Climate action
Climate change is one of the biggest challenges of our time. As a financial institution, we can play a role by financing change, sharing knowledge and using our influence. We take a holistic approach to climate action. On the one hand, we’re taking action on how our business impacts climate change. We use our Terra approach to steer our portfolio towards global climate goals. And on the other hand, we’re considering how climate change impacts our business, as we work to assess climate risks and take action to mitigate them. 

Financial health
Money is a leading cause of stress for people everywhere. We believe financially healthy people contribute to a healthy economy and drive social progress. That’s why we’re steering our customers and communities towards improved financial health. We can make a difference by helping people to stay a step ahead of the financial challenges they face. Plus, it’s our way of contributing to the United Nations’ Sustainable Development Goals, particularly towards sustainable and inclusive economic growth (goal 8) and reduced inequalities (goal 10).

Sustainability governance
The global sustainability department helps cascade sustainability responsibilities to subject-matter experts throughout the various business units. These experts help develop our policies, programmes and targets on sustainability-related risks and opportunities, in line with our global sustainability direction. Our global head of Sustainability reports directly to Management Board Banking member Andrew Bester. 

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We are sector experts

We know our stuff and our clients trust us to deliver tailored solutions to meet their needs.

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We have a global network, with local experts

No matter where you are, our network of experts offer you a local experience with a global view.

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Progress, not perfection

We are committed to building for a more sustainable future – together with our clients. We can help you with advice, financial solutions, research and valuable insights.