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Select an assessment year:

  • Overall approach
    1/10
    • Overarching commitment on deforestation
      0/6
    • Deforestation as a business risk
      0/1
      Business risk
      No
      0/1
      Type of financial risk recognised by the financial institution: Other
    • Target to reduce emissions in scope 1/2
      Reduce emissions
      No
      0/0
      Type of climate target: N/A
    • Clients/holdings must have anti-corruption policy
      0.5/1
      Anti-corruption
      Yes, an anti-corruption policy
      0.5/1
      ""Sustainability checklist: Our commitment to the UN Global Compact and the Equator Principles is ensured through sustainability checklists. Sustainability Checklists, which are checked as part of the credit application process. Sustainability checklist: Corruption - No (in)direct bribery or other improper advantage taking/granting/demanding demand/ demand - Employees are sensitised to anti-corruption issues" "
    • Collaborative finance sector initiatives
      0/2
    • Nature/people-positive investment
  • Commodity score
    6/90
    • Beef & Leather
      0/90
      • Policy Strength
        0/28
        • Commodity-specific deforestation financing policy
          0/8.8
          • Commitment details
            No commitment
            0/8
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must be legally operated
          0/2.8
          • Commitment details
            No commitment
            0/2
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must monitor operations
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must conduct risk assessments
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must specify a cut-off date
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Target date for policy implementation
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
      • Associated Human Rights Abuses
        0/27
        • Clients/holdings must test Free, Prior and Informed Consent
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must have a grievance mechanism
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect labour rights
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must address gender equality issues
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must encourage the inclusion of small-scale farmers
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect customary rights to land, resources, and territory
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Zero tolerance approach to violence and threats
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
      • Implementation and Reporting
        0/35
        • Assess client/holding exposure prior to onboarding
          No
          0/5
        • Require disclosure of projects/locations
          No reporting
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant clients/holdings
          No
          0/5
        • Engagement with non-compliant companies
          0/0
        • Reporting on implementation of the policy
          No
          0/6
        • Green financing product with deforestation/conversion requirements
          No
          0/2
        • Publicly accessible grievance mechanism
          No
          0/2
        • Remediation of environmental or social harms
          No
          0/4
    • Palm oil
      15/90
      • Policy Strength
        15/28
        • Commodity-specific deforestation financing policy
          6.8/8.8
          • Commitment details
            Zero-gross deforestation
            6/8
            Commitment details
            Zero-gross deforestation
            6/8
            Does the policy have specific requirements/expectations of clients/holdings in line with the policy?: Yes
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all operations and financing
            All financing
            0.2/0.2
            Policy applies to all operations and financing
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all deals
            All financing
            0.2/0.2
            Policy applies to all deals
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all clients/holdings
            All financing
            0.2/0.2
            Policy applies to all clients/holdings
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.2/0.2
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
        • Clients/holdings must be legally operated
          0/2.8
          • Commitment details
            No commitment
            0/2
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must monitor operations
          3.8/3.8
          • Commitment details
            Yes, a traceability system - Require; Yes, a mechanism to monitor compliance - Require
            3/3
            Commitment details
            Yes, a traceability system - Require; Yes, a mechanism to monitor compliance - Require
            3/3
            What type of assurance mechanism is used?: Assurance mechanism; Traceability system
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all operations and financing
            All financing
            0.2/0.2
            Policy applies to all operations and financing
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all deals
            All financing
            0.2/0.2
            Policy applies to all deals
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all clients/holdings
            All financing
            0.2/0.2
            Policy applies to all clients/holdings
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.2/0.2
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
        • Clients/holdings must conduct risk assessments
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must specify a cut-off date
          0/3.8
          • Commitment details
            No commitment
            0/3
            Commitment details
            No commitment
            0/3
            Is the cut-off date set by the financial institution?: No
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Target date for policy implementation
          3.8/3.8
          • Commitment details
            Required
            3/3
            Commitment details
            Required
            3/3
            What is the length of time the portfolio companies are given to meet their time-bound plans?: 9

            What is the target date for the full implementation of the financial institution's policy?: NA

            What is the deadline for the portfolio companies to become compliant with the policy?: 2030
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all operations and financing
            All financing
            0.2/0.2
            Policy applies to all operations and financing
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all deals
            All financing
            0.2/0.2
            Policy applies to all deals
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all clients/holdings
            All financing
            0.2/0.2
            Policy applies to all clients/holdings
            All financing
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
          • Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.2/0.2
            Policy applies to all stages of the supply chain
            Producers; Processors; Traders; Manufacturers; Retailers
            0.2/0.2
            "We recognise that when dealing with customers or businesses with palm oil-related business special due diligence and precautionary measures are necessary to avoid adverse sustainability sustainability impacts on the environment, climate and human rights. For this reason, we link the financing of companies in the palm oil value chain to the following minimum requirements: - Membership of the Roundtable on Sustainable Palm Oil (RSPO) or of a recognised recognised organisation with at least equivalent standards. - NDPE Policy (No Deforestation, No Peat, No Exploitation); the scope of the policy extends of the policy covers both the company's own palm oil plantations and those of suppliers/ purchased palm oil/ fruit/ intermediate products. - By 2030 and for the entire traded, processed or converted palm oil volume palm oil volume: - Full traceability to the palm fruit plantation of origin ("tracability to plantation"), and - Full RSPO certification or recognised certification with at least equivalent standards."
      • Associated Human Rights Abuses
        0/27
        • Clients/holdings must test Free, Prior and Informed Consent
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must have a grievance mechanism
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect labour rights
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must address gender equality issues
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must encourage the inclusion of small-scale farmers
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect customary rights to land, resources, and territory
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Zero tolerance approach to violence and threats
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
      • Implementation and Reporting
        0/35
        • Assess client/holding exposure prior to onboarding
          No
          0/5
        • Require disclosure of projects/locations
          No reporting
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant clients/holdings
          No
          0/5
        • Engagement with non-compliant companies
          0/0
        • Reporting on implementation of the policy
          No
          0/6
        • Green financing product with deforestation/conversion requirements
          No
          0/2
        • Publicly accessible grievance mechanism
          No
          0/2
        • Remediation of environmental or social harms
          No
          0/4
    • Soy
      0/90
      • Policy Strength
        0/28
        • Commodity-specific deforestation financing policy
          0/8.8
          • Commitment details
            No commitment
            0/8
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must be legally operated
          0/2.8
          • Commitment details
            No commitment
            0/2
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must monitor operations
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must conduct risk assessments
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must specify a cut-off date
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Target date for policy implementation
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
      • Associated Human Rights Abuses
        0/27
        • Clients/holdings must test Free, Prior and Informed Consent
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must have a grievance mechanism
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect labour rights
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must address gender equality issues
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must encourage the inclusion of small-scale farmers
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect customary rights to land, resources, and territory
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Zero tolerance approach to violence and threats
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
      • Implementation and Reporting
        0/35
        • Assess client/holding exposure prior to onboarding
          No
          0/5
        • Require disclosure of projects/locations
          No reporting
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant clients/holdings
          No
          0/5
        • Engagement with non-compliant companies
          0/0
        • Reporting on implementation of the policy
          No
          0/6
        • Green financing product with deforestation/conversion requirements
          No
          0/2
        • Publicly accessible grievance mechanism
          No
          0/2
        • Remediation of environmental or social harms
          No
          0/4
    • Timber, Pulp & Paper
      11/90
      • Policy Strength
        11/28
        • Commodity-specific deforestation financing policy
          4.7/8.8
          • Commitment details
            Certification
            4/8
            Commitment details
            Certification
            4/8
            Does the policy have specific requirements/expectations of clients/holdings in line with the policy?: Yes
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all operations and financing
            All financing
            0.2/0.2
            Policy applies to all operations and financing
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all deals
            All financing
            0.2/0.2
            Policy applies to all deals
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all clients/holdings
            All financing
            0.2/0.2
            Policy applies to all clients/holdings
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all stages of the supply chain
            Producers
            0/0.2
            Policy applies to all stages of the supply chain
            Producers
            0/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
        • Clients/holdings must be legally operated
          0/2.8
          • Commitment details
            No commitment
            0/2
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must monitor operations
          2.2/3.8
          • Commitment details
            Yes, a mechanism to monitor compliance - Require
            1.5/3
            Commitment details
            Yes, a mechanism to monitor compliance - Require
            1.5/3
            What type of assurance mechanism is used?: Assurance mechanism
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all operations and financing
            All financing
            0.2/0.2
            Policy applies to all operations and financing
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all deals
            All financing
            0.2/0.2
            Policy applies to all deals
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all clients/holdings
            All financing
            0.2/0.2
            Policy applies to all clients/holdings
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all stages of the supply chain
            Producers
            0/0.2
            Policy applies to all stages of the supply chain
            Producers
            0/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
        • Clients/holdings must conduct risk assessments
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must specify a cut-off date
          0/3.8
          • Commitment details
            No commitment
            0/3
            Commitment details
            No commitment
            0/3
            Is the cut-off date set by the financial institution?: No
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Target date for policy implementation
          3.7/3.8
          • Commitment details
            Required
            3/3
            Commitment details
            Required
            3/3
            What is the target date for the full implementation of the financial institution's policy?: NA

            What is the length of time the portfolio companies are given to meet their time-bound plans?: NA

            What is the deadline for the portfolio companies to become compliant with the policy?: NA
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all operations and financing
            All financing
            0.2/0.2
            Policy applies to all operations and financing
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all deals
            All financing
            0.2/0.2
            Policy applies to all deals
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all clients/holdings
            All financing
            0.2/0.2
            Policy applies to all clients/holdings
            All financing
            0.2/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
          • Policy applies to all stages of the supply chain
            Producers
            0/0.2
            Policy applies to all stages of the supply chain
            Producers
            0/0.2
            "Forestry and the management of forest resources play an important role in combating climate change and protecting biodiversity and ecosystems. For this reason, we only finance operations in this area that are certified by the Forest Stewardship Council or PEFC standards or use recognised equivalent standards. In addition, we base our financing decisions according to the revised version of the World Bank Standard (WN OP 4.36, 2013) and the criteria for sustainable forest management adopted at the 1993 Helsinki Ministerial Conference on the Protection of Forests in Europe (MCPFE, since 2009 Forest Europe)."
      • Associated Human Rights Abuses
        0/27
        • Clients/holdings must test Free, Prior and Informed Consent
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must have a grievance mechanism
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect labour rights
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must address gender equality issues
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must encourage the inclusion of small-scale farmers
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Clients/holdings must respect customary rights to land, resources, and territory
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
        • Zero tolerance approach to violence and threats
          0/3.8
          • Commitment details
            No commitment
            0/3
          • Policy applies to all operations and financing
            No
            0/0.2
          • Policy applies to all deals
            No
            0/0.2
          • Policy applies to all clients/holdings
            No
            0/0.2
          • Policy applies to all stages of the supply chain
            None
            0/0.2
      • Implementation and Reporting
        0/35
        • Assess client/holding exposure prior to onboarding
          No
          0/5
        • Require disclosure of projects/locations
          No reporting
          0/4
        • Policy is reviewed and updated
          No
          0/2
        • Monitoring and non-compliance process
          No
          0/5
        • Engagement with non-compliant companies
          0/0
        • Engagement with non-compliant clients/holdings
          No
          0/5
        • Reporting on implementation of the policy
          No
          0/6
        • Green financing product with deforestation/conversion requirements
          No
          0/2
        • Publicly accessible grievance mechanism
          No
          0/2
        • Remediation of environmental or social harms
          No
          0/4
  • Commitment strength
    6/28
    Avg. score
  • Implementation and Reporting
    0/35
    Avg. score
  • Associated Human Rights Abuses
    0/27
    Avg. score

Profile

DZ Bank, is the second largest commercial bank in Germany that serves corporate, institutional and retail customers. As of 2022, DZ Bank has over 627 billion EUR in total assets under management. DZ Bank are among the top shareholders for Forest 500 companies.

HQ
HQ 
Germany
Financial institution type
Financial institution type 
FI

How we assess the Forest 500

Investors and lenders need to adopt and implement strong deforestation policies that ensure their investments are not funding the destruction of forests.

All assessments use policies published on financial institution websites, some links may have changed or been removed since the time of assessment.

Disclaimer

This assessment has been carried out following the methodology developed for the Forest 500 project, available here. Please see our disclaimer applicable to all information contained within this site and our terms and conditions for use of data presented on this site.

All assessments use policies published on company and financial institution websites, and while we endeavor to keep them updated some links may have changed or been removed since the time of assessment.

Please contact us with any concerns or feedback about this or other assessments included in the Forest 500.