Services
Financed emissions management
and Net Zero

Approach and tools:


Calculation of financed emissions (Scope 3, Cat. 15):
  • application of the PCAF (Partnership for Carbon Accounting Financials) methodology
  • coverage of credit and investment portfolios (equity, debt, project finance)
  • identification of carbon-intensive sectors and clients
Portfolio analysis and scenario modelling:
  • assessment of the carbon footprint by sector and region
  • scenario analysis using NGFS and IEA scenarios
  • identification of vulnerable assets and clients with high carbon risk
Target-setting and Net Zero trajectories:
  • establishment of short-, medium- and long-term targets for reducing financed emissions
  • alignment of targets with international initiatives (NZBA, GFANZ, SBTi)
  • development of transition roadmaps towards Net Zero for credit and investment portfolios
Integration into the bank’s business model:
  • embedding climate KPIs into credit policies and risk management processes
  • development and implementation of green financial products 
(ESG loans, green bonds, sustainable finance)
  • engagement with clients and counterparties to support emissions reduction
Monitoring and disclosure:
  • regular calculation and verification of financed emissions
  • disclosure in line with international standards 
(ISSB/IFRS S2, ESRS E1, TCFD, PCAF)
  • annual update of Net Zero roadmaps

Results:


  • Transparent accounting of Scope 3 (financed emissions) across the entire portfolio.
  • Realistic and verifiable Net Zero targets, aligned with global initiatives.
  • Integration of climate factors into credit and investment decisions.
  • Strengthened positioning of the bank in ESG ratings and sustainable finance indices.
  • Increased trust from investors, regulators and international partners.
  • Reduced cost of capital and expanded access to green financing.


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