Free Newsletter Get the hottest Fintech Hong Kong News once a month in your Inbox The Dubai Financial Services Authority (DFSA), the independent regulator of the Dubai International Financial Centre (DIFC), and the Hong Kong Monetary Authority (HKMA), have published a joint research report, Scaling Sustainable Debt in Emerging Markets, with BloombergNEF as a knowledge partner.The report examines the potential of labelled debt, including green, blue, social, and sustainability-linked bonds, to support su ...

1 8 N o v e m b e r 2 0 2 5 Disclaimer This presentation contains forward-looking statements regarding Crédit Agricole S.A. and the Crédit Agricole Group, including market trends. Such information may encompass financial projections, underlying assumptions on which these projections are based, statements concerning projects, objectives and expectations related to future transactions, products and services, as well as considerations regarding future performance. These elements are derived from scenarios buil ...

Deutsche Bank Investor Relations A transformed bank Investor Deep Dive 2025 November 17, 2025 Sustainable profitability Foundational investments Positioned for growth Deutsche Bank Investor Deep Dive 2025 A transformed bank, James von Moltke 2 Delivered on our transformation objectives Enhanced business focus, through strategic portfolio adjustments and disciplined execution Executed transformation, strengthening our fundamentals and restoring profitability Rebuilt stakeholder confidence, positioning Deutsc ...

Core Viewpoint - VLM Group has launched a Carbon-Offset and Biodiversity Initiative aimed at reducing its operational footprint and supporting global ecological restoration projects, reflecting its commitment to environmental stewardship and responsible investing [1][3]. Group 1: Initiative Overview - The initiative will focus on three primary areas: carbon reduction and offsetting, biodiversity restoration, and sustainable engagement [3][6]. - The program aims to integrate environmental awareness into all aspects of the business, emphasizing the firm's responsibility to contribute to global sustainability goals [3][4]. Group 2: Carbon Reduction and Offsetting - VLM Group plans to measure, disclose, and offset 100% of its operational greenhouse gas emissions by investing in certified carbon credit programs that support renewable energy and reforestation projects across Asia and Africa [6]. Group 3: Biodiversity Restoration - The firm will collaborate with accredited conservation groups to co-finance reforestation and wetland restoration projects, which are designed to preserve native ecosystems and protect endangered species [6]. Group 4: Sustainable Engagement - VLM Group will incorporate biodiversity metrics into its due diligence framework and work with partners to adopt global sustainability standards, including the UN Principles for Responsible Investment (PRI) and the Taskforce on Nature-related Financial Disclosures (TNFD) [6]. Group 5: Implementation Timeline - The Carbon-Offset and Biodiversity Initiative is set to begin implementation in early 2026, with initial projects planned for China's Yangtze River Basin and Kenya's Great Rift Valley [4].

Core Insights - The fintech industry is undergoing a transformative era, focusing on reimagining the entire financial ecosystem beyond just digital payments [1][2] Group 1: AI and Automation - AI-driven finance is reaching full maturity, with advancements in generative AI, machine learning, and predictive analytics enhancing decision-making, automation, security, and personalization [5][7] - Hyper-automation in finance is modernizing operations through AI, machine learning, and robotic process automation, significantly reducing operational inefficiencies [26][28] Group 2: Embedded Finance and Web3 - Embedded finance is becoming mainstream, allowing non-financial companies to integrate financial services directly into their platforms, with a projected global opportunity exceeding $500 billion by 2026 [8][9] - The rise of Web3 and decentralized finance (DeFi) is shifting focus from crypto trading to real-world asset tokenization and smart contracts [10][14] Group 3: Sustainability and Green Fintech - Green fintech is gaining traction as environmental sustainability becomes a priority, with financial institutions developing eco-friendly digital products in response to consumer demand, particularly from Gen Z [16][18] Group 4: Central Bank Digital Currencies (CBDCs) - Over 100 countries are experimenting with or launching CBDCs, which are expected to reshape the global monetary ecosystem and create new opportunities for collaboration between central banks and fintech companies [19][20] Group 5: Security and User Experience - Biometric security and zero-trust frameworks are becoming standard in fintech to combat increasing cybersecurity threats, requiring continuous verification of users and devices [21][25] - Human-centric user experience is crucial for fintech success, with a focus on intuitive design, real-time insights, and trust-building features [38][41] Group 6: Financial Inclusion - Fintech is enhancing financial inclusion through mobile banking, digital wallets, and micro-lending apps, making banking services more accessible to underserved populations [31][36]

***Este documento está clasificado como USO INTERNO por TELEFÓNICA. ***This document is classified as INTERNAL USE by TELEFÓNICA. Disclaimer This document and any related conference call or webcast (including any related Q&A session) has been prepared by Telefónica, S.A. ("Telefónica" or the "Company", and together with its subsidiaries the "Telefónica Group") exclusively for its use during the presentation of financial results. The Company does not assume any liability for the content of this document if u ...

PETROENERGY Resources Corp., a subsidiary of listed PetroEnergy Resources Corp., said that unit Bugallon Green Energy Corp. had signed an P826-million loan facility with Rizal Commercial Banking Corp. (RCBC) to fund the development of a solar project in Bugallon, Pangasinan. In a statement, the company said proceeds from the omnibus loan and security arrangement would fund the 25.01 megawatt-direct current (MWdc) Bugallon solar power project in Pangasinan.RCBC Executive Vice President Elizabeth Coronel said ...

Core Insights - Matter, an ESG data company, has appointed Kim Rosenkilde to its Board of Directors, enhancing its leadership team at a crucial time following its acquisition by Diginex [1][2][3] Company Overview - Matter focuses on delivering sustainability data, analytics, and insights to the investment industry, aiming to empower investors and institutions with actionable insights into ESG factors [2][6] - The company is now part of the Diginex ecosystem, which utilizes AI, blockchain, and machine learning to provide trusted ESG analytics [2][5] Market Growth - The ESG data management market is projected to grow from approximately US$ 1.31 billion in 2025 to about US$ 4.27 billion by 2032, reflecting a compound annual growth rate (CAGR) of 17.4% [2] Leadership and Expertise - Kim Rosenkilde brings over 20 years of experience in global finance and investments, with a strong focus on sustainable finance and ESG integration [3][4] - His strategic vision is expected to enhance Matter's ESG analyses and support global organizations in achieving sustainability goals [3][5] Technological Integration - Matter plans to leverage Diginex's advanced technologies to improve the depth and breadth of its ESG coverage, benefiting clients from individual issuers to entire portfolios [5][7]

3Q25 Earnings October 30, 2025 3Q25 EARNINGS Disclaimer This document is only provided for information purposes and is not intended to provide financial advice and, therefore, does not constitute, nor should it be interpreted as, an offer to sell, exchange or acquire, or an invitation for offers to acquire securities issued by any of the aforementioned companies, or to contract any financial product. Any decision to purchase or invest in securities or contract any financial product must be made solely and e ...

Core Insights - ING reported a net result of €1,787 million for Q3 2025, with significant growth in fee income and customer lending [1] - The profit before tax increased to €2,560 million quarter-on-quarter, and the CET1 ratio rose to 13.4% [1] Retail Banking - The mobile primary customer base grew by nearly 200,000 in Q3 2025, totaling 1.1 million or 8% year-on-year, aligning with the target of 1 million new customers annually [2] - Retail lending increased by €8.6 billion, primarily in mortgages, while retail fee income rose by 14% year-on-year, driven by investment products [2] - Deposits decreased due to seasonal impacts and the conclusion of successful campaigns in Germany and Belgium, with some funds shifting to investment products [2] Wholesale Banking - Corporate loan demand increased, leading to lending growth of €5.7 billion and a 19% rise in fee income year-on-year [3] - Financial Markets income improved, and Trade Finance Services and Working Capital Solutions performed well [3] - Deposits grew by €7 billion, reflecting increased volumes in Payments & Cash Management and Financial Markets [3] Sustainability Efforts - ING's Climate Update highlighted a 29% year-on-year increase in sustainable volume mobilized, reaching €110 billion in the first nine months of 2025 [4] - The company aims to support clients in their transition to a low-carbon economy [4] Financial Management - Year-on-year expenses increased due to wage inflation and investments in business growth, but decreased compared to Q2 2025 due to lower restructuring costs [5] - The CET1 capital ratio target was adjusted to approximately 13% to meet higher expected capital requirements [6] - A distribution of €1.6 billion was announced following the completion of a share buyback program [6] Overall Performance - The company expressed satisfaction with the strong results, indicating continued growth and customer trust [7] - Operating expenses remained controlled, and risk costs stayed below the through-the-cycle average, reflecting high asset quality [7]