负责任银行：系统性变革的六年历程

Responsible BankingA Six Year Journeyof Systemic Change The third biennial progress report onimplementation of the UN Principlesfor Responsible Banking © 2025 United Nations Environment ProgrammeISBN:978-92-807-4235-0Job number:DTI/2717/GADOI:doi.org/10.59117/20.500.11822/48748 This publication may be reproduced in whole or in part and in any form for educational or non-profit serviceswithout special permission from the copyright holder, provided acknowledgement of the source is made.The United Nations Environment Programme would appreciate receiving a copy of any publication thatuses this publication as a source. No use of this publication may be made for resale or any other commercial purpose whatsoever withoutprior permission in writing from the United Nations Environment Programme. Applications for such permis-sion, with a statement of the purpose and extent of the reproduction, should be addressed to the Director,Communication Division, United Nations Environment Programme,unep-communication-director@un.org. Disclaimers The designations employed and the presentation of material in this publication do not imply the expres-sion of any opinion whatsoever on the part of the Secretariat of the United Nations concerning the legalstatus of any country, territory, city or area of its authorities, or concerning the delimitation of its frontiersor boundaries. Mention of a commercial company or product in this document does not imply endorsement by theUnited Nations Environment Programme or the authors. The use of information from this document forpublicity or advertising is not permitted. Trademark names and symbols are used in an editorial fashionwith no intention on infringement of trademark or copyright laws. The views expressed in this publication are those of the authors and do not necessarily reflect the viewsof the United Nations Environment Programme. We regret any errors or omissions that may have beenunwittingly made. © Maps, photos and illustrations as specified Suggested citation:United Nations Environment Programme (2025).Responsible Banking: A Six YearJourney of Systemic Change.Geneva.wedocs.unep.org/20.500.11822/48748 Production:United Nations Environment Programme Finance Initiative. URL:unep.org/resources/report/principles-responsible-banking-2025-progress-report Cover photo:elements.envato.com/user/Sandsun Acknowledgements The UN Environment Programme Finance Initiative (UNEP FI) secretariat (the secretar-iat) has compiled and written this third biennial progress report (progress report) withthe guidance of the Banking Board. Gratitude is extended to all contributors for theirexpertise and hard work in bringing this report to life: Ana Sena (lead), Nicole Roco (data), Stefan Lygdopoulos (data), Robert Wilson (design),Karine Bueno, Simone Dettling, Puleng Tumelo Ndjwili-Potele, Maria Sosa Taborda, EricUsher, Liesel Van Ast, Sarah Kemmit, Laura Lightbody, Oualid Rokneddine, Cherryl Martin,Johanna Dichtl, Monica Rebreanu, Laura Diaz, Peggy Lefort, Kavita Sachwani, YlannKarmous, Joana Pedro, Alice Anders, Laura Canas da Costa, Elodie Feller, Arjun Mahal-ingam, Careen Abb, Costanza Ghera, Flora Petrucci, and Alizah Beg. The secretariat thanks external organizations for their valuable insights included inthis report: Guilherme de Melo Silva, Lauren Yeung and Daniel Cremin (MSCI Sustainability Institute),Christopher Perceval, Kaleb Boyl, Katie Gandy (S&P Global Sustainable 1), Pernilla Berg-mark (World Benchmarking Alliance) and Oliver Balch (editor). The secretariat extends special thanks to the Banking Board members for their import-ant review and contributions that enriched this report: Dimitrios Dimopoulos (Piraeus Financial Holdings; co-chair), Boitumelo Sethlatswe (Stan-dard Bank Group; co-chair), Jorge Alvarado (Banco de la Producción), José Luis Muñoz(Banorte), Shanning Dong (Bank of Jiangsu), Laurence Pessez (BNP Paribas), ShargiilBashir (First Abu Dhabi Bank), Anne-Sophie Castelnau (ING), Anja Hannerz (Nordea),Steven Stone (UN Environment Programme), Jonathan Fowlie (formerly Vancity), andFiona Wild (Westpac). The secretariat expresses sincere appreciation to the members of the Civil SocietyAdvisory Body (CSAB) for offering their independent perspectives: Daniel Saccardi (Ceres; CSAB chair), Phil Bloomer (Business & Human Rights ResourceCentre), Jana Lessenich (Conservation International), Craig Churchill (International LaborOrganization), Jing Zhang (International Sustainability Standards Board—InternationalFinancial Reporting Standards), Jeanne Martin (Share Action), Lizzy Harnett (Rocky Moun-tain Institute), James Mitchell (formerly Rocky Mountain Institute), Michael Budolfsen(UNI Finance—UNI Global Union), Elisa Vacherand (World Wildlife Fund), Dr AnneliseVendramini (FGVces), Dr Ali Awni (The John D. Gerhart Center, American University inCairo), and Aleksandra Maczynska (The European Federation of Investors and FinancialServices Users, Better Finance). The secretar