In 2025, under the pressure of climate emergencies and European regulations, banks will be key players in the energy transition.
Far from limiting themselves to "carbon neutrality", they are redefining their models to become catalysts for change, through innovative offerings and more demanding management of their portfolios.
With outstanding green and sustainable loans growing by a spectacular 27% in one year, reaching 471 billion euros, the banking sector is asserting its determination to effectively support the ecological transformation of the economy.[1][3]
In 2024, French banks financed over €96 billion in renewable energy projects (+28% vs. 2023)[3]. Their exposure to hydrocarbons fell by 15%, reflecting a strategic shift.
Today, for every euro invested in fossil fuels, 2.6 euros are allocated to renewables, and 12 euros to sustainable credits. [3]
This rebalancing reflects a clear determination to go beyond regulatory obligations and play a leading role in decarbonization.
While European regulatory requirements such as the SFDR and CSRD impose a new transparency framework, banks today face several major challenges:
In the face of these challenges, RegTech and FinTech solutions are playing a key role. Classification algorithms, AI and debt tracking solutions enable granular monitoring, compliant reporting and better portfolio management[4][5].
Compliance is becoming a strategic lever: only banks able to document and justify the impact of their activities enjoy a sustainable competitive advantage.
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Banks are innovating by offering financial instruments that meet specific transition-related expectations, including:
These products illustrate the ability of banks to combine profitability, risk management and climate ambitions, while offering transparency to corporate clients, who are increasingly demanding when it comes to sustainability.
Faced with this demanding context, Kls is positioning itself as a major player to support banks in structuring, tracking and evaluating their financing linked to the energy transition.
With its Debt Tracking module, the Kls Desk platform offers :
This approach transforms regulatory constraints into a lever for performance and differentiation for financial institutions.
Transforming regulatory constraints into performance and differentiation levers for financial institutions: that's the Kls approach.
In 2025, the challenge for banks will no longer be simply to deliver on the promise of "zero emissions", but rather to invent credible, measurable transition paths that are genuinely monitored.
This requires product innovation, regulatory excellence, mastery of data and technological openness. Establishments capable of industrializing these levers will establish themselves as the new benchmarks of green finance.
The choice of integrated software solutions, such as those offered by Kls, transforms ESG constraints into performance levers by optimizing the management of sustainable financing.