Sustainability agenda sets the direction until 2035
As outlined in our strategy, key aspects of sustainability at MuniFin include acting as our customers’ partner in building a sustainable society while efficiently managing climate-related and environmental risks that are relevant to us.
Our long-term impact stems from the products and services we offer our customers. In our sustainability agenda updated in 2026, we set the direction and goals for our sustainability efforts until 2035.
In this agenda, we commit to increasing the proportion of sustainable finance in our lending portfolio and set emission reduction targets for financed emissions.
With residential and other buildings, our objective is to reduce emissions so that the portfolio emission intensities decrease in line with the 1.5°C degree pathway set out in the Paris Climate Agreement by 2035. With municipalities, our target is to reduce the emission intensity by 50% between 2023 and 2035. Additionally, our new goal is for sustainable finance to account for 50% of our long-term customer financing by 2035.
We are a member of the Partnership for Carbon Accounting Financials (PCAF) initiative, which aims to develop and implement a standardised approach to assessing and disclosing the greenhouse gas emissions associated with loans and investments.
Sustainability agenda themes
- Driver of the green transition
Promoting investments that benefit the climate and environment. - Foundation of the Finnish welfare society
Supporting the development of a sustainable welfare society.
Sustainability agenda goals
- Sustainable finance accounts for 50% of our long-term customer financing by 2035.
- By 2035, the emission intensity of municipal budget loans is reduced by 50% from the 2023 level.
- By 2035, the emission intensity of our portfolio is reduced by 71% for residential buildings and 73.5% for other buildings, compared to the 2023 baseline.
Sustainability agenda goals revised as needed
MuniFin is committed to reviewing the goals set in its sustainability agenda every two years. The latest update was released in January 2026. We monitor our progress towards these goals annually as part of our yearly reporting and may expand or tighten our goals as necessary.
If necessary, we will also revise the agenda in response to changes in the business environment, such as amendments to national or international legislation or best practices in the market.
We conducted our materiality analysis as part of the development of our first sustainability agenda, with the need for updates being assessed annually. The analysis involves key stakeholders, including customers, owners, investors, partners, and market players.
Contact us
MuniFin's contact people for sustainability agenda
