Retail ESG Study Germany


Property renovation as a way out of the crisis

Millions of homes in Germany are poorly insulated or have old heating systems, which is a huge problem in the middle of the energy and environmental crisis: residential buildings account for more than a quarter of Germany’s total final energy consumption and almost 20% of all CO2 emissions. The German Environment Agency and the German Energy Agency are certain that energy upgrades in the building sector offer enormous savings potential – not only in terms of energy, but in the long term also in terms of money.

Initially, however, the future is expensive. Energy upgrades require extensive government funding as well as private and private-sector impetus. Initiatives that address this strategic development can already be found in almost all areas of numerous banks: in the business, operating and governance model. Our study also shows that around two-thirds of German customers expect sustainable banking, of which energy upgrades for buildings certainly constitute a fundamental aspect. 

For bank customers, however, ESG is usually a very arduous and complex subject. They could use comprehensive support for the sustainable renovation of their properties.

After all, any financial or environmental incentives can easily miss their mark if the renovation process is so hard to accomplish that property owners shy away from it or simply fail. Various providers are already offering individual services. Pioneers are demonstrating what a good range can look like.

In this white paper, we focus on the opportunities resulting from new offerings in ecosystem partnerships. 

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Further publications

zeb is a thought leader in the financial services sector. Below you will find a selection of our current publications.