The Challenge
A mid-sized financial institution announced ambitious net-zero commitments but lacked the data systems, governance, and technical expertise to begin reducing financed emissions. Their portfolio exposure to high-emission sectors was unclear, sustainability reporting was inconsistent, and regulators were increasing pressure for credible action.
They needed a realistic, science-informed path to align their portfolio and operations with net-zero expectations.
The Solution
BACT developed a full emissions baseline for the institution’s lending and investment portfolios, using advanced carbon-accounting tools to map hotspots and high-impact reduction levers. We designed a decarbonization roadmap that included sector-specific targets, capital-allocation strategies, climate-risk frameworks, and reporting improvements aligned with global standards.
We also built internal climate capabilities by training teams, redefining governance roles, and creating an accountability structure that tied leadership performance to sustainability outcomes.
The Results
The institution reduced financed emissions in priority sectors by 14 percent within the first year and unlocked new investment opportunities in renewable energy and low-carbon infrastructure. Their sustainability reporting met regulatory expectations for the first time, and investor relations strengthened as transparency improved. The organization now operates with a credible, measurable path to net-zero.
