SAP Fioneer and Asset Impact partner to bring forward-looking climate transition intelligence into Core Banking systems
Published on: 7 October 2025
SAP Fioneer and Asset Impact have entered a strategic partnership which aims to deliver one of the first end-to-end solutions combining forward-looking asset-level data with audit-ready ESG KPI tracking integrated with bank finance and risk systems enabling banks to assess, manage and disclose climate-related transition performance using forward-looking, asset-level data directly embedded in their core credit, risk and reporting systems.
While financial institutions face increasing pressure to report on exposure to high-carbon sectors with auditable scenario-based disclosures, only 27% of European banks currently integrate climate risk into their day-to-day management and credit decision-making processes, despite nearly all having made net-zero pledges. And according to a recent Deloitte report, over 75% of bank executives cite poor ESG data quality as a barrier to progress.
“This partnership tackles one of the biggest pain points in integrating sustainability data into decision-making: data that’s fragmented, backward-looking, or hard to trust,” said Michel Amar, Asset Impact’s Chief Commercial Officer. “Banks can link key metrics like GHG emissions attributable to companies and their underlying physical assets to the loan book. And they can do it in real time, with full auditability.”
Asset Impact’s forward-looking dataset of more than 336,000 physical assets is mapped to over 70,000 companies, spanning key high-emitting sectors like power, steel, cement and oil and gas. Fioneer’s ESG KPI Engine allows banks to seamlessly integrate this data with their internal portfolio data to generate real-time insights into financed emissions, emissions intensities and alignment with net zero targets.
“We’re giving banks the ability to actively manage the climate transition of their loan and investment portfolios and to credibly report on it,” said Stefan Malchow, Head of Sales ESG Solutions at SAP Fioneer. “By embedding granular, forward-looking production and emissions data into the heart of finance and risk workflows, this solution provides banks with a future proof, data-driven foundation for their transition planning.”
Features of the ESG KPI Engine integrated with the Asset Impact database include:
- Automated calculation of financed emissions and net-zero alignment, aligned with PCAF, CSRD, and EBA expectations
- Full integration with core finance, risk, and credit systems, reducing reliance on siloed tools or spreadsheets
- Transition risk insights based on Scopes 1, 2 and 3 emissions that are forward-looking to 2040 – drawn from 336,000 physical assets mapped to 70,000 companies and 15,000 securities across 13 high-emitting sectors
- Portfolio-level visibility with the ability to drill down by company, sector, region, or asset
To learn how real-time transition intelligence can support climate risk management, disclosure, and target setting, register here for the co-hosted webinar (November 18, 2025).
About Asset Impact
Asset Impact provides asset-based climate data and analytics for the financial sector, with a focus on high-emitting industries. By linking financial portfolios to real-economy assets, companies, and securities, it enables detailed climate impact assessments. The database covers 300,000+ assets tied to 70,000+ public and private companies across 13 energy-intensive sectors – representing over 76% of global GHG emissions. Since 2022, Asset Impact has been part of GRESB, the global benchmark for sustainability in real asset investments.
