SAP Fioneer launches Net Zero module for portfolio decarbonization 

Walldorf, July 29, 2025 – SAP Fioneer today announced the launch of the Net Zero module for portfolio decarbonization, a major enhancement to the Fioneer ESG KPI Engine. Designed to help move from measuring to managing climate impact, the module enables banks to embed climate performance into finance and risk processes. 

The launch comes at a pivotal moment, with the European Union’s proposed 2040 climate target of a 90% emissions cut adding urgency to the need for credible transition plans. Reflecting this, regulatory frameworks such as Corporate Sustainability Reporting Directive (CSRD), the International Sustainability Standards Board (ISSB), and the European Banking Authority (EBA) Guidelines on ESG Risk Management are increasingly requiring banks to demonstrate how they manage progress against climate goals. 

The Net Zero module of SAP Fioneer’s ESG KPI Engine is a comprehensive, audit-ready solution that spans through the net-zero value chain from measuring emission intensities to monitoring progress against decarbonization targets. It enables banks to track their net zero performance at different levels: portfolios, counterparties, assets, and down to individual loans. This empowers a shift from top-down, backward-looking approaches to more granular, bottom-up steering based on the actual performance and targets of individual clients. 

Fully integrated and built for scale, the module enables the coverage of various financial products, ensuring credible disclosures and a data driven foundation to drive decarbonization across the entire book. 

Rabobank, an international cooperative bank, is the first bank to implement the Net Zero module. 

“An audit-proof solution that supports us in tracking decarbonization at both portfolio and customer level is essential,” said Dafina Nonkulovska, CFO Lead Sustainability. “We embed climate goals into strategic and decision-making processes, to enable us not only to be compliant but also in our drive towards a future-fit business model within planetary boundaries. Our cooperation with SAP Fioneer will enable us to assess our climate transition in an efficient and aligned way.” 

SAP Fioneer plans to extend the Net Zero module with additional capabilities for forward looking insights, enabling banks to steer portfolios organically towards climate mitigation goals. 

About Rabobank (www.rabobank.com)

Rabobank is an international financial services provider operating on the basis of cooperative principles. It offers retail banking, wholesale banking, private banking, leasing and real estate services. As a cooperative bank, Rabobank puts customers’ interests first in its services. Rabobank is committed to being a leading customer-focused cooperative bank in the Netherlands and a leading food and agri bank worldwide. Rabobank employed 49,000 FTE per 31 December 2024. Rabobank Group is active in 35 countries.