BANKING | Engagement
Sustainability in investment, retirement savings solutions and payment transactions
Sustainable investments extend the traditional investment objectives of return, risk management and liquidity to include environmental, social and corporate governance criteria. In technical terminology, these areas are referred to as ESG.
Makes triple sense: ESG
Investors can invest in companies that, for instance, offer good working conditions throughout the entire supply chain, comply with resource-friendly processes, or promote climate-friendly products and services – all without corruption or unfair competitive behavior.
Rising demand for sustainable investments
In addition to the announcements by the U.S., the EU and China to invest massively in climate protection, demand for sustainable investments is being driven by other factors – first and foremost the corona virus pandemic. Globally, significant portions of the Corona stimulus packages are earmarked for investments in the sustainable transformation of the economy.
No performance disadvantages for investors
The MSCI World ESG Leaders index, which focuses on environmental, social and governance issues, also performs well when viewed over a longer period, for example over the last 5 years, with a performance of around 80 percent in U.S. dollars (around 60 percent from a euro investor’s perspective).
Energy efficiency & sustainable real estate as an investment
More and more investors are focusing on sustainable real estate. They have realized that social and environmental factors also influence the value of a property. Real Estate Investment Management for us therefore includes investing in “green” properties, integrating energy efficiency and ESG practices to secure and increase risk-adjusted returns.
Sustainable retirement plans
Would you like to maintain your accustomed standard of living in retirement and provide financial security for yourself and your family? You can do this in a sustainable way without sacrificing returns.
As an investor, our partner Zurich pays attention to ESG issues. In concrete terms, this means that a number of criteria must be met for a sustainable investment:
- Are resources conserved, waste avoided and the climate protected?
- Are human rights respected and child labor excluded?
- Is the company run according to ethical standards? What are the working conditions like?
Deutsche Bank’s digital banking services not only save you time, but also valuable resources: online payments replace paper-based transfers and reduce the need for trips to the branch.
Digital solutions such as giropay and ApplePay are being used more and more frequently for shopping: another step toward climate-friendly payment transactions and greater convenience and security for buyers and sellers compared against cash transactions.
Thanks to Info Services, you also always have an overview of your finances, and with MultiBanking you can even conveniently manage multiple accounts, even at other banks, from one app. This not only saves you a lot of unnecessary travel, but also spares your nerves: in a way, that’s sustainable, too.