Dr. André Hasken is Senior Manager in the zeb Research. His focus is on sales and digitization topics.
Green lending products as a strategy for the future: how banks develop sustainable financing solutions to meet the growing needs of their customers and remain competitive
In cooperation with the Liechtenstein Bankers Association, zeb asked 36 European financial institutions, including large, state/cantonal and domestic-oriented banks, to self-assess their ESG status quo. The outlook for the institutions surveyed is sobering: the majority still face significant challenges on their path to sustainable transformation.
Given the many new opportunities that have arisen in corporate banking, banks’ earnings potential is expected to rebound in the medium term.
Risk-adjusted pricing of loans ensures in single transactions that individual values are achieved depending on the creditworthiness and collateralization of the customer. Thus, each customer pays for his/her “risk” in case of commercial credits, construction loans or current accounts.
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