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Terra
Casa Della Finanza

La Nostra
Sostenibilità

Banking for the generations who will inherit this earth measuring our success not only in returns, but in the world we leave behind.

Our Commitment ESG Pillars Principles 2030 Targets Milestones Reports
Our Pledge

Stewardship Across Generations

A Bank Must Outlast Its Bankers

When Count Aurelio Marchetti inscribed the founding charter of Casa Della Finanza in 1972, he wrote of obligations that extend beyond the transactional obligations to the community, the land, and to le generazioni future, the generations yet unborn. We believe he would recognise, in today's language of sustainability, the very same covenant.

For 40 years, we have understood that the prosperity of Italy and the prosperity of its land are inseparable. The farms we financed in the Risorgimento, the industries of the Miracolo Economico, the renewable energy projects of today all reflect a consistent truth: that responsible lending is, by nature, long-term thinking.

In 2021, we formalised this heritage as a comprehensive Piano di Sostenibilità aligned with the United Nations Sustainable Development Goals, the Paris Agreement, and the European Union's Taxonomy for Sustainable Finance. Our sustainability framework is not a response to regulation it is the codification of who we have always been.

"We are not the owners of this bank. We are its custodians as every generation of our leadership has been since 1972. The earth deserves the same custodianship."

Francesca De Luca
ESG at a Glance · 2024
ESG RatingAA (MSCI)
Green Bonds Issued€ 4.2 Billion
Sustainable Finance€ 18.7 Billion
Carbon Neutral Since2023 (Operations)
Renewable Energy100% of Operations
SDGs Supported12 of 17
Signatory SinceUN PRI, 2018
Environmental · Social · Governance

Three Pillars of Our Responsibility

E
Environmental · Natura & Clima

Financing a Greener Italy

From fossil-fuel exit to nature-positive lending

Casa Della Finanza committed in 2022 to align its entire loan portfolio with a 1.5 °C warming pathway by 2030. We have ceased all new financing to coal extraction and coal-fired power generation. Our green bond framework certified under the EU Green Bond Standard — has mobilised € 4.2 billion toward renewable energy, sustainable agriculture, and energy-efficient construction across Italy and the Mediterranean basin.

Our own operations achieved carbon neutrality in 2023 through a combination of deep energy efficiency reductions (43% since 2015), a full transition to renewable electricity, and verified carbon removal credits for residual emissions. By 2035, we target net-zero operational emissions without offsets.

Net Zero by 2035 € 4.2Bn Green Bonds No New Coal Finance
S
Social · Comunità & Persone

People at the Heart of Capital

Inclusive finance, fair employment, community investment

A bank that has served Italian families for 40 years holds a particular responsibility toward the communities in which it operates. Our social strategy rests on three convictions: that access to financial services is a right, not a privilege; that our employees must flourish to serve our clients well; and that the communities we inhabit deserve direct, meaningful investment.

We extended € 620 million in microcredit and social impact lending in 2024, reaching 84,000 individuals and small businesses that conventional credit models would have excluded. Our gender pay gap stands at 1.2% the lowest among Italian systemic banks and 44% of our senior leadership positions are held by women.

€ 620M Microcredit 44% Women Leaders 84,000 Beneficiaries
G
Governance · Integrità & Trasparenza

Governance as a Sacred Trust

Independent oversight, ethical conduct, transparent disclosure

Our founders understood that a bank's most essential asset is the trust of those who entrust it with their capital. Good governance is not a compliance matter it is the institutional expression of honour. Our Board of Directors comprises fourteen members, nine of whom are independent; our Audit, Risk, and Remuneration committees are chaired exclusively by independent directors.

We publish an integrated annual report in accordance with the Global Reporting Initiative (GRI) Universal Standards and the Task Force on Climate-related Financial Disclosures (TCFD). Since 2022, executive remuneration has included a mandatory 25% ESG performance component, ensuring that our leaders are rewarded for the world they build, not merely the returns they generate.

9 of 14 Independent TCFD Aligned 25% ESG Pay Link
"

Sustainability is not a constraint on prosperity it is its only durable foundation. A bank that depletes the world it lends into has borrowed against a future it will never repay.

Francesca De Luca · CEO · Casa Della Finanza Sustainability Report, 2023
What We Believe

The Six Principles of Responsible Banking

These principles are not aspirations. They are the criteria by which every significant lending decision, investment mandate, and operational choice at Casa Della Finanza is evaluated. They were adopted by the Board in October 2021 and are reviewed annually against independent verification.

I

Portfolio Alignment

Ad unum finem tendimus

We are committed to aligning our entire lending and investment portfolio with a 1.5 °C warming pathway, using science-based sectoral decarbonisation pathways as our guide. No exceptions for short-term profitability.

II

Inclusive Finance

Nemo relinquetur

Financial exclusion is a form of poverty. We pledge that by 2027, every adult in the municipalities we serve will have access to a basic payment account and affordable credit assessment, regardless of digital literacy or credit history.

III

Transparent Impact

Nihil sine veritate

We publish quantified impact data for every green and social bond we issue: megawatt-hours of clean energy enabled, tonnes of CO₂ avoided, households reached by affordable housing finance. We will not claim impact we cannot measure.

IV

Workforce Dignity

Dignitas ante omnia

We commit to living wages above the Italian national minimum for all employees and contracted workers, pay equity across gender and ethnicity verified by independent audit, and a zero-tolerance policy for precarious employment in our supply chain.

V

Ethical Conduct

Honor sine exceptione

We maintain a zero-tolerance policy toward bribery, corruption, tax evasion facilitation, and money laundering. Our ethics reporting channel is independently operated, genuinely confidential, and protected by an absolute anti-retaliation guarantee.

VI

Community Investment

Communitas ante lucrum

We allocate a minimum of 1% of pre-tax profit annually to direct community investment: cultural heritage restoration, educational bursaries, local enterprise support, and emergency community resilience funds. Since 2000, this has totalled over € 310 million.

"

The Casa Della Finanza Sustainability Credo

We believe that finance is not an end in itself, but the means by which human ingenuity is translated into the world. Every lira, every euro we have ever deployed has shaped Italy — its landscapes, its communities, its industries. We accept the responsibility that comes with that power: to deploy it wisely, transparently, and in the service of a future that is worthy of the past we have been entrusted to honour.

Our 2030 Pledges

Quantified Targets, Publicly Accountable

Climate Finance
€ 50Bn
Cumulative sustainable and green finance deployed by 2030 across renewable energy, green buildings, and clean mobility.
Progress37%
Carbon Reduction
−60%
Financed emissions intensity reduction across our corporate loan book vs. 2020 baseline, in line with the Net Zero Banking Alliance pathway.
Progress28%
Social Lending
1.2M
Beneficiaries reached through affordable credit, microcredit, and social impact financial products, with priority to under-served regions of Southern Italy.
Progress54%
Gender Parity
50%
Women in senior leadership positions (Director and above) by 2028, with a verified pay equity gap of below 0.5% across all grades.
Progress44%
Net Zero Operations
2035
Operational net-zero target without carbon offsets achieved through energy efficiency, full renewable electricity transition, and building retrofits.
Progress61%
Community Investment
€ 420M
Cumulative direct community investment through the Fondazione Casa Della Finanza by 2030, focused on cultural heritage, education, and economic resilience.
Progress74%
Our Sustainability Journey

Key Moments in Our ESG History

1980
Community Charter
1984
Postwar Reconstruction
1999
Ethics Code Adopted
2008
First Green Loan
2015
SDG Commitment
2018
UN PRI Signatory
2020
TCFD Reporting
2021
NZBA Member
2022
EU Green Bond
2023
Carbon Neutral Ops
2024
MSCI AA Rating
2030
Portfolio Aligned
Downloads & Disclosure

Sustainability Reports & Frameworks

2024 SUSTAINABILITY REPORT
Annual Report · 2024
Integrated Sustainability Report
Full GRI-aligned disclosure covering environmental performance, social impact metrics, governance structures, and 2030 target progress.
Download PDF ↓
2024 CLIMATE RISK TCFD REPORT
Climate Disclosure · 2024
TCFD Climate Risk Report
Scenario analysis, physical and transition risk assessments, and portfolio alignment methodology under the TCFD framework.
Download PDF ↓
GREEN BOND FRAMEWORK € 4.2Bn
Framework · 2023 Edition
Green Bond Framework & Allocation Report
Use-of-proceeds definitions, eligible categories, impact methodology, and audited allocation for all outstanding green bonds.
Download PDF ↓
GOVERNANCE REPORT 2024
Governance · 2024
Corporate Governance & Remuneration Report
Board composition, committee structures, independence analysis, executive remuneration policy, and ESG-linked pay disclosures.
Download PDF ↓
Join Our Journey

A Sustainable Italy,
Built Transaction by Transaction.

Every loan we approve, every bond we issue, every euro we invest is a decision about the kind of future we are building. We invite you to be part of it.

Download Our ESG Report →