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Responsible lending

Our ambition is to play a major role in financing Vaud Canton’s energy transition.

Mortgage loans

When assessing a property, we consider a range of qualitative and quantitative environmental criteria. For instance, we look at a property’s condition, how it is heated, and whether or not it has solar panels.

Climate targets

We are taking action wherever we can to support the transition to a resilient, low-carbon economy, in line with Switzerland’s goal of reaching net-zero emissions by 2050. As part of this, we aim to reduce the carbon footprint of our residential mortgage book at a pace consistent with the Swiss federal government’s pathway to a net-zero buildings sector by 2050. Compared to 2022 levels, this entails reducing the portfolio’s carbon footprint (measured in kg tCO2e/m2) by:

42% by 2030
87% by 2040
99% by 2050

To help achieve our targets, we have introduced various initiatives, such as:

offering preferential terms on loans for energy-saving renovations
providing practical information and guidance to customers who are considering energy renovation projects
actively training our employees to address this issue in the financing advice they give customers.

Our success in achieving these targets depends largely on factors beyond our control. Our 2024 Sustainability Report contains more information on our climate targets, along with important legal information.

Lending to businesses

At BCV, we are mindful of the social and environmental risks and impacts of our lending, and we review our sector exclusion list every year. We decline to finance projects relating to:

the manufacture or sale of controversial weapons and munitions
pornography
gambling companies in other countries or unlicensed gambling operators in Switzerland
nuclear power plants
coal-fired power plants or coal mines
oil or gas extraction
unsustainable fishing, logging, or agricultural activities
organizations associated with violations of internationally recognized human rights standards or of Swiss employment law

To help drive the energy transition in Vaud Canton, we have entered into a partnership with the PEIK energy-audit program run by SuisseEnergie, which supports efforts by companies to reduce their carbon footprint.

LEARN MORE ABOUT THE PEIK AUDIT

In addition, clients can take advantage of our Green Bonus capital expenditure loans, with zero interest for the first six months if certain conditions are met.

The Bank has teamed up with Signa-Terre, a building energy management consultancy, to support real-estate professionals looking to renovate their properties. Our partner handles aspects such as project planning and assessing GHG emissions and renovation costs, while we bring to bear our expertise in financing this type of work. This partnership helps clients in this segment develop holistic renovation strategies.

Other legal information

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