Detailed loan-level data is standard in securitisation but still optional for covered bonds and Pfandbriefe. With rising supervisory expectations, the EU sustainability agenda and growing green-bond demand, using this data now offers a clear edge.
Whilst green covered bonds only represent a limited share of total issuance, volumes are growing fast as investors and policymakers demand stronger sustainability standards.
Furthermore, the EU is focusing strongly on policy to drive the green transition through:
Together, these frameworks require issuers to report detailed energy performance data that goes way beyond Energy Performance Certificates (EPCs). Metrics such as insulation properties, renewable integration, and climate risk must now be captured and disclosed.
This paper shows how integrating collateral-level insight boosts operational resilience and regulatory readiness and highlights ENGAGE for ESG’s ready-to-use templates and diagnostics that help issuers align programmes, protect pool integrity and stay compliant as rules evolve.
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To achieve the proposed 55% emission reduction climate target by 2030, around EUR 275 billion of additional investments are needed per year.
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