Sustainable finance
HSBC was one of the first financial institutions to make green and sustainable finance a priority.
We therefore created a global structure to oversee our sustainable finance activities across our four business lines and our extensive international network. Our global teams are supported by five regional sustainable finance platforms in London, Paris, Hong Kong, New York and Toronto.
In practical terms, in November 2017 we made five new commitments to help tackle global warming and support sustainable growth. These included directing USD 100 billion towards sustainable financing and low carbon sectors by 2025.
As part of our asset management business, we systematically take ESG criteria into account in our investment decisions. We have also, for many years, offered SRI and solidarity funds (our first solidarity fund was launched in 2004).
Environmental, Social and Governance (ESG) criteria.
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Socially Responsible Investment (SRI) to combine responsible citizenship with economic returns
SRI is an investment approach that aims to reconcile financial performance with social and environmental impact by financing companies that contribute to sustainable development across all sectors. By influencing governance and stakeholders’ behaviour, SRI promotes a responsible economy.
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Public authorities have introduced a label to help savers choose their SRI products: the SRI label, a single, clear benchmark for savers. |
Five of our funds offered under employee savings plans follow this approach:
- HSBC EE ISR Oblig Euro et Solidaire
- HSBC EE ISR Diversifié et Solidaire
- HSBC EE ISR Equilibre et Solidaire
- HSBC EE ISR Actions Euro
- HSBC EE ISR Actions Monde
Five of our funds have also been certified by the Inter-union Committee for Employee Savings (CIES):
- HSBC EE ISR Oblig Euro et Solidaire
- HSBC EE ISR Diversifié et Solidaire
- HSBC EE ISR Actions Euro
- HSBC EE Actions Europe Solutions Climat
- HSBC EE ESG Euro Monétaire
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The CIES works to develop employee savings schemes for all employees and to promote Socially Responsible Investment (SRI). Its certification criteria include quality/value for money, management that is necessarily socially responsible, and proven governance. For more details on the CIES requirements, please visit its website. |
Solidarity savings: a key component of employee savings schemes
An investment is described as a solidarity investment when the savings are invested in solidarity-based social-utility enterprises, approved by the Prefecture and meeting a number of conditions, particularly having the primary objective of delivering social benefit.
The main difference compared with more traditional companies is that people come first. These are new development and financing models aimed first and foremost at supporting people in difficulty, this is the mission of solidarity and social enterprises.
In accordance with the law, your company savings plan includes at least one solidarity fund. This solidarity fund will invest a minimum of 5% and a maximum of 10% of its assets in solidarity investments.
As of 30 June 2025, solidarity savings represented EUR 17.9 billion in assets under management (stable compared with the second half of 2024) (1).
(1)Source AFG October 2025.
