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BNP Paribas Personal Finance ‘s 2023 Sustainable report is out! Thanks to a collective effort, we reached at the end of 2023, €8,9 billion in sustainable finance outstanding. Significant progress were made in sustainable mobility, home energy transition – while we are still working on measuring financial inclusion. ??I would like to thank Anne Chanon and Lotta Marchal, CFA from EthiFinance for their support in developing our grid to evaluate and design inclusive offers. You can discover all the work done as well as Anne ‘s testimonial in the article within the report #ForAJustTransition. ?? Stéphane Voisin from ILB , Maha Keramane, Frédérique Rabier-Aliome, Valérie Tamagny-Ferrier, for our exchanges on the financial inclusion topics, and ?? to all my colleagues for their on going commitment to set solid foundation to financial inclusion! Miruna Senciuc ,Dirk Franzmeier, Karunakar Krishna Reddy, Pauline Zettier, Cecile Renault , Philippe Assedo, Osmalek Claire, Jo?o Paulo Gon?alves , Carla Ferreira, Bárbara Gon?alves, Georgette Ribeiro,Pedro Ribeiro, Sabine Liénard, Olca Kanber , Krzysztof Wojciechowski, Dominique Guyonnet, Liviu PURC?REA ?? ISB? ESG Specialist #SUSTAINABILITY, #CRDS, #ForAJustTransition, #FinancialInclusion, #PositiveImpact, #SocialImpact

Becoming a B Corp reaps a host of benefits, one of these is greater access to investment capital, loans and growth funds. We call it the double whammy ROI of B Corp. According to B Lab UK, 70% of B Corps that seek equity finance end up raising the amount they want, compared with 56% of all companies. Why? In a nutshell, more financiers, bankers and investors won’t work with companies lacking a sustainable strategy. These investors are under pressure from a range of stakeholders, including consumers, who are demanding better ESG performance from businesses. B Corp certification can therefore enhance a firm’s credibility with investors seeking sustainable returns. According to Morgan Stanley, the growth of sustainable finance in the next decade will be driven by three main trends: - Expect a greater diversity of sustainable investing strategies across assets and themes, partly driven by growth trends among Millennial investors. - The net-zero transition will change approaches to land use, in order to satisfy demand for renewable power, metals and minerals and nature-based solutions. - A proliferation of regulations and voluntary standards across the world will reshape corporate strategies, disclosures and availability of data. In recent years, we have seen a tectonic shift of capital. At the beginning of 2020, the value of sustainable investment in major financial markets globally stood at $35.3tn, according to the Global Sustainable Investment Alliance (GSIA), and accounts for 36 per cent of all professionally managed assets across the US, Canada, Japan, Australasia and Europe. The previous two years alone saw growth of 15 per cent, the GSIA said. Actions and ambitions towards decarbonization have also increased. This is just the beginning – the tectonic shift towards sustainable investing is still accelerating. Around the world, institutional investors, bankers, private equity and angel investors, are demanding higher sustainability credentials from the companies they support financially. That’s where B Corp Certification comes in. As an independently verified certification, it’s the gold standard and gives credibility to ethical claims. It offers investors an easy way to spot a truly sustainable business from a greenwashing fake one that’s just saying the right things but not doing anything. In summary, having the B Corp logo is a clear sign to prospective investors that your firm is committed to ethical practices. It gives your business an edge over non-certified competitors when you’re looking for loans, seed funding, growth funding, or other capital investment. https://lnkd.in/ga7c7z6R If B Corp might be for you, check out our free e-book “2B Or Not 2B: The What, Why & How Of B Corp Certification” here: https://lnkd.in/gBGKvNUj #getbcorpcert #bcorp #purposedrivenbusiness #growgood

--- ?? **The Rise of Sustainable Investing: Finance Meets Purpose** ?? In recent years, there’s been a growing trend in finance that’s transforming the way we think about investments: **Sustainable Investing**. ???? Traditionally, investment decisions were based purely on financial returns, but now, investors are increasingly considering **Environmental, Social, and Governance (ESG)** factors. ???? Whether it's climate change, diversity in leadership, or corporate ethics, today’s investors want their money to align with their values. **But why the sudden shift?** ?? ?? **Demand from Millennials and Gen Z**: These younger generations are vocal about their desire to create a better world, and they’re backing that up with their investment choices. They’re more likely to invest in companies that prioritize sustainability over short-term profits. ?? **Risk Management**: Companies with poor ESG practices often face regulatory fines, reputational damage, and operational risks. By considering ESG factors, investors aim to mitigate potential long-term risks. ?? **Performance**: Contrary to what many might believe, sustainable investments often **outperform** traditional investments. A growing body of research shows that companies with strong ESG performance are more resilient and can generate better financial returns over time. ??? ?? **Regulation and Government Policies**: Governments worldwide are incentivizing green practices through tax benefits and grants, making ESG-aligned companies more attractive for long-term investments. ?? **So, what does this mean for the future of finance?** Sustainable investing is no longer a niche. It's becoming a **mainstream strategy** that’s reshaping the way we define success in the financial world. Investors are recognizing that profits and purpose can go hand-in-hand. ???? For those entering the world of finance, understanding ESG and sustainable investing will be crucial. As future leaders, we have the opportunity to make financial decisions that don’t just grow our portfolios but also contribute to the global good. ?? ?? **Let’s be part of a generation that drives both financial and social value.** The future of finance is sustainable, and it's time to take action. #SustainableFinance #ESG #Finance #Investing #FutureofFinance #ImpactInvesting #Fintech #EthicalInvesting #BBA #FinanceCareers ---

The financial sector is not just at a crossroads but at the forefront of a global shift towards sustainability. The stark realities of environmental degradation, erratic rainfalls, cyclones, rising global temperatures, social inequality, and injustice have thrust the sector into a pivotal role. The question is no longer whether to continue down the path of business as usual but how to lead the charge towards a new era of sustainability. ? What role do you think the financial sector should play in promoting sustainability? ? How can financial institutions better support businesses that prioritize environmental and social responsibility? ? In your opinion, what are the biggest challenges facing the financial sector as it shifts towards sustainability? ? Do you believe that consumers should hold financial institutions accountable for their sustainability practices? Why or why not? Read full article: https://lnkd.in/ddRn23qV

#Sustainability Isn't a Trend—It's the Future of Finance The world we live in is changing rapidly—maybe too fast to process sometimes—but I’m going to assume it’s for the better. Businesses are waking up to the realities of climate change, becoming increasingly conscious about their environmental and social impact. Now, whether or not you believe in climate change is not the question for today. The real question is, does it even matter if you believe it or not? The truth is, this shift is happening whether we like it or not. We’re moving into an era where businesses will be forced to adopt sustainable practices, not because it's trendy, but because if they don't, they won’t be able to secure financing. This is not a drill! The biggest financial players, like our very own Commonwealth Bank of Australia, are already leading the charge in sustainable finance. And they're not alone—other financial institutions are integrating these models into their lending criteria. If you want to get funding in the future, your business better have a solid plan for addressing environmental and social costs, while still turning a profit. Think about it this way: Banks and investment firms aren’t just going to hand out money anymore. They’ll be looking at whether your business tackles things like community engagement, labor rights, diversity, inclusion, and climate change mitigation. They care about whether you're running a tight ship on resource efficiency, pollution control, and long-term financial stability. In short, if your business isn’t looking out for people and the planet, good luck getting a loan. This isn’t about left or right politics. It’s about the financial industry shaping a future that many of us want to be a part of—one where fairness between generations and across societies is a key driver in business decisions. The old, unchecked form of capitalism? That’s got to evolve. We can’t let it run wild in this era, or it will end up enslaving future generations, just as it freed us from the chains of feudalism. Now, don’t get me wrong—I’m still a believer in capitalism. After all, it’s been one of the best systems for efficiently distributing limited resources. But if we don’t regulate it to push businesses toward sustainable models, we risk letting capitalism sow the seeds of its own destruction. It’s time to think long-term, not just next-quarter. After all, the future of capitalism could depend on it.

?? How do we bring our commitment to sustainability to life at Solaris? We look at ESG a bit differently at Solaris, with our Nature, People, Business (NPB) strategy. We aim to engage a wider group of stakeholders in actions focusing on the three pillars: Respect Nature, Reconnect People and Regenerate Business. Today we are proud to publish our annual sustainability report, detailing sustainability performance and activity during the entirety of 2023 - highlighting both areas of progression and required improvements across the business. Read the full report here ?? https://lnkd.in/e2QtBtbJ to explore the measures we have been taking to: ? Improve the accuracy of our carbon emissions tracking ? Reach a net-zero carbon footprint by 2030 ? Ensure diversity, equity and inclusion across the business | Ning Zhu | Carsten H?ltkemeyer | Ansgar Finken | Joerg Diewald | Konstantin Kavvadias CFA CAIA | Delia D. K?nig | Federico Roesler Franz | Gabriel Yermo | Jean-Francois GUILLAUMIN | Andrea Ramoino | Baha Jamous | Alex Sweeney | #NPB #ESG #nature #people #business #sustainability #diversity #environment #fintech #embeddedfinance #reporting?

The world is undergoing a dual transition to a digital and sustainable economy, with far-reaching implications at the same scale as the industrial revolution. This new era, we call the “eco-digital era”, will deliver economic, environmental, and social value at scale. Bringing together our latest research and a wide range of perspectives, I am delighted to present the 8th edition of our Conversations for Tomorrow report: The Dual Transition. I recommend the fascinating interview with Adrienne Horel-Pagès, who led La Banque Postale to become one of the first banks in the world to have a decarbonization trajectory validated by the Science Based Targets initiative, and who took the critical step of stopping financing for fossil fuel companies and projects. Hear from Adrienne and more pioneers shaping this dual transition here: https://lnkd.in/gevmk6RX Anirban Bose Cyril Francois Stanislas de Roys Vincent Charpiot Satish Weber Jerome Buvat Emmanuel Lochon

Earnings call: CaixaBank reports strong year with focus on sustainability - Investing.com India Earnings call: CaixaBank reports strong year with focus on sustainability??Investing.com India

‘What is ESG Finance Today?” An introduction to the What, Why, and How of Green Asset Portfolios. Great to have attended this event organised by the Energy Institute Young Professionals Network London Branch and Infravenir along with Linklaters and The Chartered Accountant Student Society of London (CASSL) last week. More than ever, there is a strong business case for impact investing and embedding a culture of sustainability in our organisations today. This was seamlessly broken down by the panel as follows. (I have categorised with themes for ease of reference) Financial ??Katie Horbury Banks have incorporated ESG factors into their lending practices through Sustainability Link Loans as well as Green Loans and Bonds (financial instruments supporting environmentally friendly projects). To qualify, a project should have a positive impact on society and the environment. Examples below ?? E. Environmental loans e.g. Waste Management Initiatives S. Social loans e.g. Hospital – Healthcare Initiatives G. Governance loans e.g. Impact Investing Financing - Blended Financing Sustainability ??Claire Kernick (Rogers), Maria Anastase, Margot Smith Adopting conscious contracting is key to every organisation’s pathway to becoming carbon neutral. Organisations will need to translate and transform taxonomies into policies and incorporate them into their processes, i.e. procurement, due diligence and reporting. Regulatory ??Katie Horbury The anti-greenwashing rule takes effect on 31st May this year. This is a rule designed to ensure any referencing to the sustainability characteristics of a product or service is fair, clear and not misleading, i.e. consumers should be able to make informed decisions based on their sustainability preferences. Engagement and reporting ??Margot Smith We must continue data gathering to inform change. Identifying, monitoring and mitigating risks as well as reporting them is key. The need not to look at ESG as a compliance exercise but a framework that will inform decision making. Embrace the chaos, lead with logic! Use the language of optimisation! ??Helena Anderson As Cheif Sustainability Officer, Maria spoke to the challenges of embedding the sustainability culture and education throughout the organisation - Helena reminding us of the adage ‘you catch more flies with honey than you do with vinegar’. This will be so true as we strive to weave the sustainability culture into our organisations. Thank you so much Alba Mullen for brilliantly moderating this enriching panel discussion comprising of leading women. Ya’ll were simply amazing. Cc: Energy Institute #ESG #EnergyTransition #GreenFinancing #EnergyMix #Sustainability Date: 8th May 2024.

No one needs to be convinced of the importance of ESG topics for business development today. But we still need to know how the ESG approach translates into everyday business operations. ? Education on this topic was the main objective of the "ESG unlocked" #SustainabilityWeek, which we recently organized at Credit Agricole Bank Polska S.A. This is the first such initiative in our bank. And it was inspired by the European Sustainability Week and the European Sustainable Mobility Week. ? The event was an opportunity for interesting discussions on the role of social and environmental topics in business development. We exchanged views and opinions both in our internal circle and together with invited experts, during several webinars.?Extremely interesting and heated was the discussion with our special guest: Christophe Jacolin, Head of ESG Strategy & Performance of Groupe Crédit Agricole, with whom we discussed our Group's sustainability strategy and it’s commitments. ? As part of #SustainabilityWeek we also held a workshop for employees' children on renewable energy and an ESGame contest. In addition, we promoted our carbon footprint calculator, which we implemented in May and everyone can use on our website. ? This was a very important educational event at our bank and I'm glad it received so much attention. In my opinion, building awareness and educating all our stakeholders and employees, about sustainability and ESG is crucial. Especially in the context of our new business strategy, which we are currently working on, and ESG is to be one of its foundations. ? A good understanding of this approach will help us prepare for future challenges so that we can better support our customers in their energy transition. This is the mission we have set for ourselves as an entire banking sector, and we will do our best to fulfill it.