How we put this into practice:
- By financing our clients’ projects that reduce greenhouse gas emissions
- By integrating more sustainable and widely accessible practices into our banking services
- By contributing to a fairer society
Borrowing money also costs money.
BANK AND SUSTAINABILITY
Our commitment towards more sustainability
To contribute to the European objective of carbon neutrality by 2050, BNP Paribas Fortis supports its clients in choosing loans and investments aligned with sustainability criteria. For us, sustainability means working together with our clients and making targeted efforts to support the energy and social transition.
PRIVATE CLIENTS AND SUSTAINABILITY
Supporting private clients towards greater sustainability
Our bank encourages households to adopt alternative solutions that benefit the environment, are energy-efficient and low in carbon emissions. These solutions can also deliver significant savings over time.
Making sustainable housing more affordable
Sustainable housing focuses on energy efficiency and the responsible use of resources.
These solutions could make a difference:
- Mortgage loans with an energy-saving objective. Your eligible loan may qualify for a reduced interest rate if it meets the criteria of the European Energy Efficient Mortgage (EEM) label.
- Energy renovation made easier with SoSimply(1), an external platform bringing together experts in installation inspections, certificates, asbestos certificates and more, saving you time and giving you greater peace of mind.
Stimulating sustainable mobility
To support the transition to a low-carbon society, the bank promotes sustainable mobility solutions that reduce greenhouse gas emissions. This includes electric driving, soft mobility (bikes, scooters and similar solutions) and public transport.
Together with its partners AG(2), AlphaCredit(3) and Touring(4), BNP Paribas Fortis has developed a comprehensive offer that removes barriers to more sustainable mobility by combining insurance, financing, charging solutions and assistance.
An innovative rental formula
The HappyNest (5) “I rent, I buy” formula allows you to rent a new, energy-efficient home with an option to buy. If you buy the property, you can also recover part of the rent paid.
COMPANIES AND SUSTAINABILITY
How we support companies
Every company has an interest in investing in its transition towards sustainability and in its social responsibility. Setting ESG objectives, covering Environment, Social and Governance, helps it better manage risks while benefiting the environment, its image and its market position. We understand these concerns and support businesses through our expertise and financial solutions. Consumers are increasingly sensitive to these issues and expect the same from the companies whose products or services they buy, even smaller businesses. Wherever a company is in its growth and transition, we are there to support it.
Providing ESG-linked business loans
BNP Paribas Fortis offers dedicated financing solutions to Corporate Banking clients committed to improving their ESG performance.
How?
- By offering specific conditions to clients who improve their ESG performance and meet predefined criteria through Sustainability-Linked Loans
- By financing projects supporting the transition to a carbon-neutral economy through Green Loans and Sustainable Investment Loans
Our specialists support professionals in their energy transition
Through our Sustainable Business Competence Centre, our specialists, working closely with relationship managers, provide businesses with guidance:
- On energy transition, low-carbon technologies and ESG reporting
- On financing applications for sustainability-related projects
We also work with BNP Paribas’ Low Carbon Transition Group, a global network of experts supporting international companies and institutional clients.
Find out more
For a detailed breakdown of the figures, please refer to our sustainability report.
Would you like to know how we support our colleagues and society?
You can also visit our Sector Policies page to understand how we manage our investment and financing activities in sensitive sectors.
Legal informations
Form of credit: mortgage loan for immovable property purposes. The provisions relating to mortgage credit in Chapter 2 of Title 4 of Book VII of the Code of Economic Law apply. Subject to acceptance of your application by BNP Paribas Fortis SA, lender, Montagne du Parc 3, 1000 Brussels – Brussels RPM – VAT BE 0403.199.702.
Energy loan – Form of credit: instalment loan. The provisions relating to consumer credit in Chapter 1 of Title 4 of Book VII of the Code of Economic Law apply. Covers all measures aimed at saving energy in the home, including the purchase and/or installation of window frames and double glazing, heating systems and boilers, insulation materials, solar panels, energy audits and all other materials and works intended to achieve energy savings in the home.
Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, B-1000 Brussels, Brussels RPM, VAT BE0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels – Brussels RPM – VAT BE 0403.199.702.
Renovation loan – Form of credit: instalment loan. The provisions relating to consumer credit in Chapter 1 of Title 4 of Book VII of the Code of Economic Law apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8 box 3, 1000 Brussels – Brussels RPM – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – Brussels RPM – VAT BE 0403.199.702.
(1) SoSimply by AG is a trade name of Homeras SA, Cantersteen 47, 1000 Brussels.
(2) AG Insurance, abbreviated to AG, SA - Bd E. Jacqmain 53, 1000 Brussels
(3) Alpha Credit SA, lender, Montagne du Parc 8 Box 3, 1000 Brussels
(4) Touring SA, Bd Roi Albert II 4 B12, 1000 Brussels
“I rent, I buy” is a product of HappyNest SA – registered office: Silversquare Cantersteen 47, 1000 Brussels – Brussels RPM – VAT no.: BE0802098146.
(5) HappyNest is a joint venture between BNP Paribas Fortis and Matexi, owned 50%-50%.
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