Tower Peak Partners hires Monika Dangova as Head of Sustainability

🌿 Green Finance & Sustainable Investing: The Future of Responsible Growth In recent years, green finance has emerged as more than just a trend — it’s a fundamental shift in how economies and investors think about growth. As climate change, ESG commitments, and sustainable development goals take center stage, financial institutions worldwide are rethinking their strategies to align with the planet’s future. 🌍 What is Green Finance? Green finance refers to investments and financial activities that support environmental sustainability. This includes funding renewable energy projects, sustainable agriculture, waste management, clean transportation, and carbon reduction initiatives. The goal is to ensure financial returns while minimizing environmental impact. 💰 The Rise of Sustainable Investing Sustainable investing—often guided by ESG (Environmental, Social, and Governance) criteria—has grown exponentially. In 2025, global ESG assets are estimated to surpass $50 trillion, reflecting how institutional and retail investors are prioritizing ethical portfolios. From sovereign green bonds to ESG-focused mutual funds, the financial world is going green faster than ever. 🔋 Why It Matters for Treasury & Banking Treasury departments and banks are under increasing pressure to fund projects that deliver not only profit but also purpose. Many corporates are introducing green bonds, transition loans, and carbon-neutral funding models as part of their capital-raising strategies. Regulators, too, are encouraging greater transparency in sustainability reporting. 🧠 The Way Forward The integration of AI and data analytics in green finance will drive smarter forecasting and impact measurement. As sustainability becomes a business imperative, treasury and risk professionals must learn to balance financial performance with environmental responsibility.

💚 Sustainability Meets Finance: Green Bonds & ESG Investing 💚 Money talks—and today, it's speaking up for the planet. Green bonds and ESG (Environmental, Social, Governance) investing are reshaping finance, turning capital into a force for good while delivering competitive returns. It’s no longer about choosing between profit and purpose—it’s about aligning both. Some Interesting articles to read😀 https://zurl.co/3U5de - Grip Invest – ESG & Sustainable Investing India 2025 https://zurl.co/0huX4 - Moody's – ESG and sustainable finance 2025 https://zurl.co/xC6yX - S&P Global – Green Bonds Financing America Sustainability: A 2025 Outlook #GreenBonds #ESG #SustainableFinance #ImpactInvesting #ClimateFinance #GreenInvesting #FutureOfFinance #ResponsibleInvesting

UK Sustainable Investment and Finance Association (UKSIF) releases the Sustainability Disclosure Requirements report, which aims to summarize the development of sustainability disclosure requirements in the UK #esg #esginvesting https://lnkd.in/gBZJ3gjn

How Does Circular Finance Differ from Green Finance and ESG Investing? Let’s break it down clearly👇 1. Circular Finance Circular Finance refers to financial instruments, investments and funding models that support the transition to a circular economy, an economy designed to minimize waste, extend product life cycles and make efficient use of natural resources. Focus: Financing economic activities that promote a circular economy where resources are reused, recycled and regenerated rather than wasted Goal: Supports business models that eliminate waste and maximize resource efficiency Examples: Loans for companies that refurbish or recycle products, investments in renewable material innovations Key Principle: Design out waste and keep materials in use Outcome: Regenerative and closed-loop systems 2. Green Finance Green Finance involves financial flows directed toward environmentally beneficial activities that help combat climate change, pollution and resource degradation. Focus: Funding projects that directly benefit the environment and reduce carbon emissions Goal: Promote environmental sustainability and climate resilience Examples: Green bonds for renewable energy, clean transport, energy-efficient buildings, financing for pollution control or reforestation projects Key Principle: Environmental impact mitigation Outcome: Reduced carbon footprint 3. ESG Investing (Environmental, Social and Governance) ESG Investing is an investment approach that integrates environmental, social and governance factors into financial analysis and decision-making, alongside traditional financial metrics. Focus: Investment decisions guided by a company’s performance on ESG criteria Goal: Align investments with responsible and sustainable corporate behavior Examples: Investing in firms with strong labor practices, low emissions and ethical governance. Key Principle: Integrate sustainability into investment risk and ethics Outcome: Ethical and sustainable portfolio management In Essence: While the three approaches promote sustainability, they operate at different levels: 👉 Circular Finance is action oriented.  Transforms how the economy produces and consumes (system-level innovation, how investments enable circular systems) 👉 Green Finance is project oriented. Funds projects with direct environmental benefits (project-level intervention, funding eco-friendly initiatives) 👉 ESG Investing is evaluation oriented. Encourages responsible business practices and governance (corporate-level assessment, assessing sustainability performance) Together, they form complementary pillars of the sustainable finance ecosystem, driving economic growth that is profitable, regenerative, inclusive and future proof. #CircularFinance #GreenFinance #ESGInvesting

Global Sustainable Finance and ESG: The Next Frontier of Responsible Investment 1. The Rise of Sustainable Finance Sustainable finance—anchored in environmental, social, and governance (ESG) principles—has become a global financial standard. By 2024, ESG-related assets surpassed USD 30 trillion, about one-third of global professionally managed assets. This expansion reflects stronger regulation, investor expectations, and growing awareness of climate and social risks. PwC projects ESG assets could exceed USD 50 trillion by 2030, cementing sustainability at the core of financial strategy. 2. Innovation Driving Market Growth Financial innovation continues to accelerate ESG adoption. The green bond market reached USD 2.5 trillion in cumulative issuance by 2025, while sustainability-linked loans total USD 1.8 trillion. Thematic ESG exchange-traded funds (ETFs) manage over USD 500 billion, broadening investor access. New tools—such as AI-driven analytics and satellite-based monitoring—enhance transparency and link performance to real-world environmental outcomes. Blended finance and biodiversity credits are emerging to fund complex sustainability transitions. 3. Defining Global Trends Regulations like the EU Taxonomy, ISSB standards, and SEC climate rules are driving global alignment and accountability. Investors increasingly prioritize measurable impact over marketing claims, with 68% citing greenwashing as a major concern in 2025. Focus is shifting from exclusionary screening to active stewardship and engagement, while transition finance and nature-based investing gain traction as core themes. 4. Luxembourg: Europe’s Green Finance Gateway Luxembourg remains a premier European hub for ESG finance. It hosts over 5,000 investment funds managing more than EUR 6 trillion, around one-third of Europe’s fund assets. The Luxembourg Green Exchange (LGX) lists over 1,500 sustainable securities valued above EUR 1 trillion, making it the world’s leading green bond platform. Its regulatory stability, multilingual expertise, and proximity to EU institutions enhance its attractiveness to global investors. 5. Outlook and Conclusion Between 2025 and 2028, sustainable finance is projected to grow 12–15% annually, driven by mandatory disclosures, digital innovation, and transition finance. Emerging markets will represent nearly 30% of new green bond issuance. As global ESG assets approach USD 50 trillion, transparency, governance, and measurable impact will define credibility. Luxembourg and similar hubs will play a central role in channeling capital toward a low-carbon, inclusive global economy.

Our recent review of 169 investor sustainability disclosure frameworks and regulations (93 of them were issued by government bodies) reveals meaningful progress toward greater global alignment. Yet, they still do not fully provide the decision-useful information investors need to select and monitor investment managers and financial products. Improvements are especially needed in ensuring disclosure relevance, data quality, digital accessibility, and flexibility in implementation. I’m proud to have worked on this with my wonderful colleague Adams Koshy, with data analysis support from Canbury. Link to the report: https://lnkd.in/emV9wPqV ✅ What we’re seeing on the upside: ▪️ Broader investment objectives reflected, not only covering risk management, but also tackling system-level risks and pursuing impacts.  ▪️ Convergence on core topics Especially on how sustainability is incorporated in governance, policies, strategy, risk management, and due diligence, with sustainability themes on climate and governance showing the strongest alignment. ▪️ Emerging alignment at the product level Despite differing regulatory approaches (such as fund name rules, label regimes, product categories, etc.), frameworks increasingly share similar objectives, scope, structure, and key disclosure elements. ❗ But challenges remain: ▪️Materiality remains unclear — only 51% define it, and most rely solely on financial materiality. ▪️Jurisdictional fragmentation increases implementation burden, reduces comparability, and risks leading to market barriers. ▪️Low standardisation beyond climate, especially across environmental and social indicators. ▪️Digital gaps — 75% require public disclosure, but only 20% require machine-readable formats. ▪️Mandatory rules dominate (70%), helping tackle greenwashing but risking driving over-compliance or greenhushing. ✳️ Next, we’ll be exploring concrete measures that regulators and policymakers could consider to improve global alignment and strengthen the decision-usefulness of investor sustainability disclosures. Please stay tuned for more from us. Thanks to our marvelous team for their invaluable feedback and support Margarita PirovskaRené van Merrienboer Enrica Bruna Louisa Kate Guy Di Tang Kazuma Osaki

💡Our recent review of the investor disclosure landscape showcases how the global landscape has continued to evolve since our 2023 study, with clearer signs of convergence in disclosure and for the complementary role of mandatory and voluntary disclosures. 👏 It's been a real pleasure working with my colleague Junru Liu on this research and a shoutout goes to the team at Canbury their support and technical expertise. 🎉For those at PRI in Person, we'll have an interactive session tomorrow to discuss what is next for the evolving disclosure landscape. More to come on investor disclosure from the PRI.

💶 The European Investment Bank (EIB) Group has published its 2024 Sustainability Report, marking a major milestone in transparency and #sustainability reporting. For the first time, the EIB Group presents a single report, consolidating disclosures previously spread across four separate documents: the Annual Sustainability Report, and reports aligned with the Global Reporting Initiative (GRI), Sustainability Accounting Standards Board (SASB), and Task Force on Climate-Related Financial Disclosures (TCFD). Ambroise Fayolle

The Financial Reporting Council (FRC) has introduced a new UK sustainability assurance standard aimed at strengthening the quality, credibility and consistency of sustainability-related disclosures. Read here: https://lnkd.in/ePRAURK8

Sustainability is a prerequisite for the development and financing of any business today. ESG reporting is a strategic and sustainable tool for every company worldwide. ESG is an acronym for Environmental, social, and governance and it has also emerged as a focal point in the discourse surrounding sustainability reporting. Moreover, Sustainability Reporting is the disclosure, communication and dissemination of non-financial information for an organization. GRI reporting is the most used framework in the history of sustainability. Other frameworks are TCFD, SASB and CDSB. Benefits of Sustainability Reporting are reducing costs and improve efficiency, mitigate risks and enhance corporate reputation, benchmark with other companies in the same sector and prove organization’s commitment to sustainable development. Furthermore, green bonds and sustainability-linked loans also illustrates the financial benefits of ESG reporting. According to ICAP-CRIF annual survey despite Greek companies recognizing the importance of sustainable growth, nearly half publish no information on their ESG practices. Main obstacles were high costs, bureaucratic complexity and limited know-how. Reports per industry type were 35% for companies in consumer market, 28% in industrial and services, 13% in banking sector, 13% in technology, media and telecommunications as well as 11% in energy, utilities and resources. CSRD is a new European Directive, a regulatory driver which represent the most advanced global sustainability reporting regime, combining double materiality, detailed standards, external assurance, and digital tagging. The European Union Corporate Sustainability Reporting Directive (CSRD) was incorporated into Greek law with Law 5164/2024, which was published in December 2024. This means that ESG Reporting is an important process for companies subject to European Union regulations (based on Directive EU/2022/2464) regarding the disclosure of information for their sustainability performance. How can sustainability reporting help companies to communicate both the positive and negative impacts of their actions on the environment, society, and the economy ?