We use cookies on our website to show you content we think is relevant to you, to manage the technical operations of our website, and analyse our traffic to further improve our website. We may share information about your use of our site with our social media, advertising and analytics partners. By clicking "Accept", you agree to the use of all cookies as described in our Cookie statement or "Do not accept" to only use cookies strictly necessary for the functioning of the site.

Wholesale Banking

Sustainability Improvement Loans

Your company is intrinsically motivated to improving sustainability within your organisation and improving your external sustainability rating. At ING, we are here to help you integrate sustainability into your business. To help you achieve your sustainability goals, we have created Sustainability Improvement Loans. We reward you for your progress in sustainability by linking your external sustainability rating, measured by an external environmental, social and governance (ESG) assessment, to the interest rate of these loans.

  • Rewards your company’s efforts in improving sustainability
  • Links ESG rating to the loan’s interest rate
  • Can be used for general corporate purposes

Since the launch of our first loan to Philips in April 2017, we have provided several other companies Sustainability Improvement Loans across various sectors and regions. The loan can be used for general corporate purposes.


We also provide advisory services to you as our client in a number of ways. We can advise you on the benefits of an ESG rating , and which rating is the most appropriate for your requirements. We can advise you on transitioning towards becoming more sustainable and how to work towards improving your ESG rating. Since an ESG rating is a key parameter for your stakeholders and internationally recognised, it can be an important tool in many areas beyond the financial benefits included in the loan. We are committed to playing a major role in supporting sustainable development, socially-responsible behaviour and policies through financing. Sustainable Improvement Loans were created specifically for the purpose of helping our clients improve their sustainability and ESG rating.


In addition to the ESG rating-linked Sustainability Improvement Loan, companies can also choose to link their margin to specific sustainability related KPIs. In close dialogue with each other, the client and ING formulate 3-5 quantitative KPIs and agree on future targets to be achieved during the lifetime of the loan.

The selected KPIs should ideally be all encompassing for the ESG pillar of sustainability and must be SMART, that is Specific, Material, Ambitious, Realistic and Time-bound. The KPIs should receive limited assurance by an external auditor at signing of the facility (baseline audit), and an annual sustainability audit by an independent party. These audits establish the progress made on the KPIs in order to determine the effect on the interest margin.

We believe in sustainability

We approach every financing opportunity through a ‘sustainable lens’ – almost all projects can have a sustainability component, whether that entails implementing more alternative energy sources, recycling waste or developing green buildings and/or infrastructure. We also believe sustainability practices have evolved from being predominantly cost-cutting projects to tangible, revenue-driving strategies.

Our own operations have been climate-neutral for over a decade, and we are happy to partner with you so that you can achieve your own similar goals.

Why partner with us

Our purpose is to empower people to stay a step ahead in life and in business. So whatever your financial needs, whether you are looking to expand and want strategic advice, or just want to make your day-to-day banking more efficient, we are here to support your business ambitions.

  • Serving corporate clients and financial institutions in over 40 countries.
  • We pair local and global insight with sector knowledge with financial expertise.
  • We are ranked as a leader in sustainability and we are included in the FTSE4Good Index.
  • Euromoney

    Best Bank for Transaction Services in W. Europe

  • Global Finance

    Most Innovative Bank in Western Europe

  • Global Finance

    Best Bank for Cash Management in W. Europe