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Financial Services

80% of your emissions sit in the loan book — not your offices

PCAF, SFDR, EBA Pillar 3, EU Taxonomy. Tapio helps banks and asset managers compute financed emissions, build credible Sustainability-Linked Loans and survive ESG audits.
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Regulatory timeline

What financial services must comply with

EU Taxonomy Article 8

2026

  • CapEx, OpEx, turnover alignment
  • For funds and banks under CSRD
  • Auditable disclosures
PCAF Standard

2026

  • Reference methodology for financed emissions
  • Used by 400+ financial institutions
  • Required by major LPs
SFDR overhaul

2026

  • New label system in consultation
  • Expected 2026/2027
  • Replaces Art. 8 / Art. 9 categories
CSRD post-Omnibus

2027

  • Financial actors > 1,000 emp / €450M
  • First reporting FY2027
  • EBA Pillar 3 alignment

Sector pain points

Four frameworks. Same data. Four different formats.

What banking and asset management ESG teams told us before Tapio.

80% of your bank's emissions are in the loan portfolio, not your offices

You have no methodology to compute them line by line.

PCAF, SFDR, EBA Pillar 3, Taxonomy: 4 frameworks that overlap

Same data, four different formats, four parallel processes.

ESG analysts spend 60% of their time collecting data

Instead of doing actual analysis.

Corporate clients want Sustainability-Linked Loans you can't structure credibly

No KPI baseline, no auditable trajectory, no deal.

Greenwashing risk weighs on the entire sector

You cannot prove to regulators that every assumption is documented.

How Tapio helps

Concretely, here is what changes for financial teams

Five capabilities that turn financed emissions into a defensible disclosure.

PCAF financed emissions engine

7 PCAF asset classes covered out of the box: corporate loans, mortgages, motor vehicles, project finance and more. Methodology fully traced.

Portfolio CO₂ dashboard

See your entire loan book emissions in one view. Drill down by sector, by client, by maturity. Spot the high-intensity exposures fast.

Sustainability-Linked Loan KPI builder

Set credible KPI baselines and trajectories with your corporate clients in days. Verify yearly with audit-ready evidence.

Client data collection portal

Send a structured questionnaire to invested companies. Their responses feed your portfolio model directly. ESG analysts get back 60% of their time.

Audit-trail mode

Every assumption documented, every emission factor traceable to its source, every change logged. Defend your numbers in front of FSMA and EBA.

Tapio carbon experts working alongside a client team

Sector expertise

Experts who already know your sector

Tapio isn't just software. You work with carbon experts who understand your industry's regulations, emission hotspots and reduction levers — so you skip the generic playbook and act on what actually moves your numbers.

Book a demo

See how Tapio simplifies financed emissions and ESG reporting

30-minute demo with a financial sector expert. Bring your portfolio, we show you the platform.

Book a sector demo