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LCL

Facilitate management of commercial real estate assets, in particular to achieve Net Zero Carbon objectives

Challenge: with the Net Zero trajectory, the bank needed to evolve its processes to achieve carbon neutrality for its portfolio of financed "real estate professionals" assets. LCL wanted to gain better control of its real estate assets and facilitate the management of its decarbonization.

After 7 months of using Kls Desk's Debt Tracking application :

5
minutes

is the average time required by the bank and its customer to collect, check and validate the ECD and LTV.

90%
of commercial real estate assets financed

monitored over time by the platform.

1
a single space

to find all monitored portfolios at a glance.

Customer needs

Facilitate the management of commercial real estate assets, in particular to achieve Net Zero Carbon objectives.

Kls solutions

With the Debt Tracking application, LCL teams want to monitor their real estate financing portfolio, and thus :

  • Easily manage financing portfolios and guide customers in achieving their carbon objectives.
  • For each financing operation, track assets in detail (e.g. destination and LTV, carbon impact of financing and asset, etc.).
  • Automate reminders to customers of their new commitments.
  • Enable customers to transmit required documents (DPE, etc.) immediately, securely and without technical constraints (size, number, etc.).
  • Facilitate the creation of reports (internal or external) thanks to the data export module.


Results

By using the Kls platform, LCL teams benefit from a tool designed to save them time by reducing certain time-consuming tasks.

All the information gathered in the Kls Desk is designed to enable them to implement a real portfolio management strategy, particularly for real estate, while demonstrating their ability to steer a Net Zero Trajectory.

About LCL

SECTOR
Banking

KEY FIGURES
 1,700 sales outlets
17,500 employees
3 networks for 3 customer markets: Retail Banking, Private Banking, Corporate Banking.

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"Before Kls, it was a real hassle to retrieve ECDs and other documentation. With the Debt Tracking application, this has become much easier. All information on commercial real estate assets is centralized in one place, so there's no loss of information."
christian bernard-1
Christian Bernard

Head of Real Estate Financing @ LCL

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