Sustainable Solutions

We support a transition to zero greenhouse gas emissions by 2030 in the real estate industry – an industry that contributes to roughly 40% of all CO2 emissions. To tackle the global climate change challenge, we build successful synergies with sustainable real estate customers.

We offer Green Real Estate Loans to finance sustainable real estate projects with a positive, measurable environmental impact. Our green loan can help our residential real estate and commercial real estate customers fund energy efficiency, energy saving, refurbishment with improvement in energy label, green buildings projects. Environment-friendly real estate generates higher property value in the long term. Hence, our customers become more profitable, sustainable, prepared for a zero-carbon future, innovative and competitive.

Green Real Estate Loan is a beneficial, win-win financial product that meets expectations of customers, regulators and society.    

Our values are based on profit with purpose considering environmental and social impact. We offer our customers green lending products to fund projects that provide measurable environmental benefits. In the context of new global sustainable development and climate challenge, green project loans help our customers to address the transition to carbon-neutral technologies.

New investments (CAPEX) with a green impact can be eligible for a green loan. We offer preferable conditions for green loans that are meeting predefined criteria. Typical examples: investments in energy efficiency improvements within the production process, green transport, green buildings or green energy. In addition to green financing, we also advise you with regards to the EU-Taxonomy (where applicable), promotional financing and corresponding Austrian subsidy programs.

If a general purpose corporate finance is your preferred solution, the financing can be linked to sustainability indicators. The financing can be linked either to individually selected key performance indicators (KPIs) or to a general Environmental, Social, and Governance (ESG) rating. To reduce the overall debt costs, an improvement in the agreed indicator can reduce the debt premium, as it is linked to the margin. These products are tailor made and can be evaluated on an individual basis, so every company gets what it truly needs.

Since July 2022, RBI AG’s Sustainable Deposit financial product has for the first time provided its customers with the opportunity to use a sustainable format to invest their short-term cash resources (1 to 12 months). For this, RBI AG established the RBI “Sustainable Deposits Framework”, which was positively opinioned and verified through the Second Party Opinion by the Carbon Trust Assurance Limited agency. RBI AG will use the proceeds from Sustainable Deposits to finance sustainability-linked finance products (SLFPs) with a positive ESG impact within RBI core markets. SLFPs are finance products which incentivize customers to achieve ambitious sustainability targets and thus make a positive contribution to their sustainable transformation. As part of RBI AG’s transparency promise, an annual report on the use of the proceeds – Allocation and Impact report – is be prepared and published.