{"id":99055,"date":"2025-09-29T15:34:57","date_gmt":"2025-09-29T13:34:57","guid":{"rendered":"https:\/\/www.deepki.com\/?p=99055"},"modified":"2025-09-29T15:34:58","modified_gmt":"2025-09-29T13:34:58","slug":"financement-vert-un-levier-incontournable-de-performance-et-de-gestion-de-risques-pour-les-banques","status":"publish","type":"post","link":"https:\/\/www.deepki.com\/fr\/blog\/financement-vert-un-levier-incontournable-de-performance-et-de-gestion-de-risques-pour-les-banques\/","title":{"rendered":"Financement vert : un levier incontournable de performance et de gestion de risques pour les banques ?"},"content":{"rendered":"\n<p>Seulement <strong>9 % de la dette immobili\u00e8re<\/strong> \u00e9mise au cours des cinq derni\u00e8res ann\u00e9es \u00e9tait <a href=\"https:\/\/www.jll.com\/en-uk\/insights\/banks-can-save-the-world-by-unlocking-climate-finance\" target=\"_blank\" rel=\"noreferrer noopener\">labellis\u00e9e durable<\/a>. Un retard qui expose les institutions financi\u00e8res \u00e0 des risques majeurs : d\u00e9valorisation des actifs, pertes assurantielles, hausse des co\u00fbts li\u00e9s \u00e0 l\u2019inaction. Dans un contexte de pression accrue des r\u00e9gulateurs et des investisseurs, la finance durable n\u2019est plus une option. Elle est devenue un levier de performance et de r\u00e9silience.<\/p>\n\n\n\n<p>Pour rester comp\u00e9titives, les banques doivent int\u00e9grer d\u00e8s aujourd\u2019hui l\u2019<strong>\u00e9valuation et la gestion proactive des risques li\u00e9s aux actifs immobiliers qu\u2019elles financent<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Ce blog explore comment elles peuvent r\u00e9duire leur exposition et am\u00e9liorer la rentabilit\u00e9 de leurs pr\u00eats gr\u00e2ce aux financements verts, aux indicateurs de performance et au suivi des risques climatiques.<\/p>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-cover is-light\" style=\"min-height:430px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-t-white-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p><strong>Sommaire<\/strong><\/p>\n\n\n\n<p><a href=\"#co\u00fbt-inaction\">Le co\u00fbt croissant du risque climatique<\/a><\/p>\n\n\n\n<p><a href=\"#opportunit\u00e9-finance-verte\">L\u2019opportunit\u00e9 derri\u00e8re la finance verte<\/a><\/p>\n\n\n\n<p><a href=\"#batiments-verts\">Investir dans des b\u00e2timents verts : quels avantages ?&nbsp;<\/a><\/p>\n\n\n\n<p><a href=\"#indicateurs-financiers\">Quels indicateurs suivre pour piloter votre strat\u00e9gie de&nbsp; financement vert ?&nbsp;<\/a><\/p>\n\n\n\n<p><a href=\"#d\u00e9fis-secteur\">Une transition encore sem\u00e9e d&rsquo;obstacles ?&nbsp;<\/a><\/p>\n\n\n\n<p><a href=\"#deepki-for-finance\">G\u00e9rer les \u00e9missions financ\u00e9es de vos actifs immobiliers avec Deepki<\/a><\/p>\n<\/div><\/div>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co\u00fbt-inaction\">Le co\u00fbt croissant du risque climatique<\/h2>\n\n\n\n<p>Les b\u00e2timents non conformes aux standards de durabilit\u00e9 deviennent rapidement \u00ab non-finan\u00e7ables \u00bb. Pour les banques, cela se traduit par une exposition croissante \u00e0 des pertes de valeur et \u00e0 un risque de d\u00e9faut accru :\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hausse de co\u00fbts d\u2019assurance<\/strong> : aux \u00c9tats-Unis, les primes d\u2019assurance pour l\u2019immobilier commercial ont augment\u00e9 de plus de 88 % en cinq ans (<a href=\"https:\/\/www.jll.com\/en-us\/insights\/how-climate-risks-are-impacting-real-estate-insurance-costs\" target=\"_blank\" rel=\"noreferrer noopener\">JLL<\/a>);&nbsp;<\/li>\n\n\n\n<li><strong>D\u00e9valorisation des actifs<\/strong> : les b\u00e2timents certifi\u00e9s (LEED, Green Star, etc.) se revendent <a href=\"https:\/\/worldgbc.org\/wp-content\/uploads\/2022\/03\/Business_Case_For_Green_Building_Report_WEB_2013-04-11-2.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">avec une prime significative par rapport aux actifs non certifi\u00e9s<\/a>;<\/li>\n\n\n\n<li><strong>Pressions r\u00e9glementaires<\/strong> : les r\u00e9novations obligatoires ou la tarification carbone entra\u00eenent des co\u00fbts suppl\u00e9mentaires;<\/li>\n\n\n\n<li><strong>Risque de vacance <\/strong>: les immeubles obsol\u00e8tes ou \u00e9nergivores sont plus difficiles \u00e0 louer, notamment pour les b\u00e2timents anciens sans plan de r\u00e9novation envisag\u00e9. Par exemple, le taux de vacance \u00e9tait de <a href=\"https:\/\/www.reuters.com\/business\/paris-la-defense-seeks-revival-with-smaller-greener-offices-2024-06-28\/\" target=\"_blank\" rel=\"noreferrer noopener\">15 % au quartier d\u2019affaires Paris-La D\u00e9fense fin 2024<\/a>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Selon plusieurs \u00e9tudes, les banques qui ignorent le risque climatique pourraient voir jusqu\u2019\u00e0 <strong>15 % de leurs portefeuilles immobiliers expos\u00e9s \u00e0 des pertes d\u2019ici 2030<\/strong>. \u00c0 l\u2019inverse, les actifs durables (b\u00e2timents certifi\u00e9s, \u00e9nerg\u00e9tiquement performants ou r\u00e9nov\u00e9s) se r\u00e9v\u00e8lent plus r\u00e9silients et plus rentables.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile has-gauze-grey-background-color has-background\" style=\"grid-template-columns:46% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-724x1024.jpg\" alt=\"\" class=\"wp-image-99069 size-medium\" srcset=\"https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-724x1024.jpg 724w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-212x300.jpg 212w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-768x1086.jpg 768w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-1086x1536.jpg 1086w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-1448x2048.jpg 1448w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-57x80.jpg 57w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-113x160.jpg 113w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/COVER-FR-CR-2025-scaled.jpg 1810w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vers un immobilier plus durable et r\u00e9silient<\/h3>\n\n\n\n<p>Renforcez la r\u00e9silience de vos portefeuilles\u202f. T\u00e9l\u00e9chargez notre livre blanc pour anticiper les risques climatiques et optimiser la performance de vos actifs.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/content.deepki.com\/fr\/deepki_white_paper_climate_resilience_2025?utm_medium=organic&amp;utm_source=blog_cta&amp;utm_campaign=2025_01_FR_WHITEPAPER_CLIMATE_RESILIENCE&amp;utm_content=white_paper&amp;utm_term=fr_green_loan\" target=\"_blank\" rel=\"noreferrer noopener\">Acc\u00e9dez \u00e0 votre exemplaire !<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n<\/div><\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"opportunit\u00e9-finance-verte\">L\u2019opportunit\u00e9 derri\u00e8re la finance verte<\/h2>\n\n\n\n<p>Derri\u00e8re les risques se dessinent de v\u00e9ritables opportunit\u00e9s : <strong>pr\u00eats verts, obligations durables ou mod\u00e8les de financement bas\u00e9s sur la performance environnementale<\/strong>. Ces instruments ne sont plus de simples options. Ils constituent aujourd\u2019hui des leviers de rentabilit\u00e9 et de croissance que les banques peuvent exploiter pour acc\u00e9l\u00e9rer leur transition et maximiser leurs r\u00e9sultats.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-right\">En savoir plus sur <a href=\"https:\/\/www.deepki.com\/fr\/blog\/finance-verte\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>la finance verte : top 10 des impacts sur le secteur immobilier<\/em><\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Les pr\u00eats verts : quel levier strat\u00e9gique pour les banques ?&nbsp;<\/h3>\n\n\n\n<p>Les pr\u00eats verts permettent aux banques de <strong>mobiliser du capital vers des projets \u00e0 impact durable<\/strong>, tels que les b\u00e2timents certifi\u00e9s, les installations d\u2019\u00e9nergies renouvelables ou les r\u00e9novations \u00e9nerg\u00e9tiques. Ils contribuent \u00e0 r\u00e9duire le risque de cr\u00e9dit tout en optimisant la performance financi\u00e8re des portefeuilles.<\/p>\n\n\n\n<p>Officiellement formalis\u00e9s en 2018 avec les <a href=\"https:\/\/www.icmagroup.org\/assets\/documents\/Sustainable-finance\/Translations\/French-GBP-2021_06-230222.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Green Loan Principles (GLP)<\/em><\/a>, ces pr\u00eats&nbsp; regroupent tous types de pr\u00eats ou facilit\u00e9s conditionnelles dont les fonds sont exclusivement d\u00e9di\u00e9s au financement, au refinancement ou \u00e0 la garantie de projets \u00e9ligibles, en accord avec les quatre principes fondamentaux du GLP.<\/p>\n\n\n\n<p><strong>Ils prot\u00e8gent les banques des risques tout en ouvrant des opportunit\u00e9s dans la transition vers une \u00e9conomie bas-carbone<\/strong>.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"batiments-verts\">Investir dans des b\u00e2timents verts : quels avantages ?&nbsp;<\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">R\u00e9duction du risque de cr\u00e9dit<\/h4>\n\n\n\n<p>Selon le rapport de mai 2024 de l\u2019<a href=\"https:\/\/www.unepfi.org\/wordpress\/wp-content\/uploads\/2024\/04\/PRB_Banking-on-Green-Buildings_final.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">UNEP Finance Initiative et de l\u2019ONU<\/a>, investir dans les b\u00e2timents verts pr\u00e9sente un v\u00e9ritable int\u00e9r\u00eat \u00e9conomique. Ce financement permet aux banques de mieux ma\u00eetriser leurs risques tout en consolidant la solidit\u00e9 et la r\u00e9silience de leurs portefeuilles de pr\u00eats.\u00a0 Un choix r\u00e9solument strat\u00e9gique :\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Risque d\u2019emprunt r\u00e9duit <\/strong>: les b\u00e2timents verts g\u00e9n\u00e8rent une plus grande satisfaction des locataires, un roulement plus faible et un taux de vacance r\u00e9duit. Cela stabilise les revenus et diminue la probabilit\u00e9 de d\u00e9faut.<\/li>\n\n\n\n<li><strong>Co\u00fbts d\u2019exploitation plus bas<\/strong> : en moyenne, <a href=\"https:\/\/worldgbc.org\/article\/changing-perspectives-on-green-buildings\/\" target=\"_blank\" rel=\"noreferrer noopener\">un b\u00e2timent vert consomme environ 25 % d\u2019\u00e9nergie et 11 % d\u2019eau de moins qu\u2019un b\u00e2timent standard<\/a>. Les co\u00fbts op\u00e9rationnels des locataires diminuent, am\u00e9liorant ainsi les ratios de couverture de la dette.<\/li>\n\n\n\n<li><strong>Risque de transition r\u00e9duit<\/strong> : les actifs verts r\u00e9pondent aux standards environnementaux en \u00e9volution, limitant l\u2019exposition aux p\u00e9nalit\u00e9s r\u00e9glementaires et aux r\u00e9novations co\u00fbteuses.<\/li>\n\n\n\n<li><strong>Garanties plus solides<\/strong> : ces actifs conservent g\u00e9n\u00e9ralement une valeur de march\u00e9 plus \u00e9lev\u00e9e et r\u00e9sistent mieux aux risques climatiques, renfor\u00e7ant leur r\u00f4le de garantie d\u2019emprunt.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">B\u00e9n\u00e9fices financiers<\/h4>\n\n\n\n<p><strong>Meilleurs rendements, profil de risque r\u00e9duit<\/strong> <strong>et exigence croissante des investisseurs :<\/strong>&nbsp; les b\u00e2timents verts s\u2019imposent comme des actifs solides. Les financer permet aux banques de mobiliser <a href=\"https:\/\/www.morganstanley.com\/ideas\/sustainable-investing-on-the-rise\" target=\"_blank\" rel=\"noreferrer noopener\">un capital d\u2019investissement durable en pleine expansion<\/a>.<\/p>\n\n\n\n<p>Investir dans les b\u00e2timents verts via des pr\u00eats verts offre aussi aux banques une source de financement alternative. Ces pr\u00eats peuvent \u00eatre refinanc\u00e9s \u00e0 travers des <a href=\"https:\/\/www.sustainalytics.com\/esg-research\/resource\/corporate-esg-blog\/simplifying-sustainable-finance-green-loans-vs-green-bonds-vs-sustainability-linked-loan-and-more\">obligations vertes<\/a>, permettant de b\u00e9n\u00e9ficier de taux d\u2019int\u00e9r\u00eat plus avantageux et de conditions de march\u00e9 plus favorables. Ils renforcent l\u2019\u00e9ligibilit\u00e9 des banques aux soutiens d\u2019institutions financi\u00e8res publiques, telles que la <a href=\"https:\/\/www.eib.org\/en\/index\">Banque europ\u00e9enne d\u2019investissement<\/a> ou encore les banques nationales d\u00e9di\u00e9es \u00e0 la finance verte.<\/p>\n\n\n\n<p>Enfin, financer ces actifs durables assure la conformit\u00e9 r\u00e9glementaire et renforce<strong> la confiance des investisseurs, des r\u00e9gulateurs et des emprunteurs<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-right\"><em>En savoir plus : <\/em><a href=\"https:\/\/content.deepki.com\/fr\/whitepaper_esg_assetvalue_uk?utm_medium=organic&amp;utm_source=blog_cta&amp;utm_campaign=2024_06_FR_WHITEPAPER_ASSETVALUEUK&amp;utm_content=white_paper&amp;utm_term=fr_green_loans_blog\" target=\"_blank\" rel=\"noreferrer noopener\"><em>L&rsquo;impact de la performance ESG sur la valeur des actifs immobiliers<\/em><\/a><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"indicateurs-financiers\">Quels indicateurs suivre pour piloter votre strat\u00e9gie de&nbsp; financement vert ?&nbsp;<\/h2>\n\n\n\n<p>Pour d\u00e9ployer la finance durable \u00e0 grande \u00e9chelle, les banques doivent suivre des indicateurs clairs et mesurables :<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Performance environnementale&nbsp;<\/strong><\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1696844193953\"><strong class=\"schema-faq-question\"><strong><strong>Risque climatique<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Mesure l\u2019exposition aux risques de transition et physiques pour chaque pr\u00eat ou projet. L\u2019exposition aux risques climatiques physiques permet de s\u2019assurer que<strong> la valeur des actifs sera pr\u00e9serv\u00e9e sur le long terme.<\/strong><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758891201650\"><strong class=\"schema-faq-question\"><strong><strong>CRREM<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Les trajectoires <a href=\"https:\/\/www.deepki.com\/fr\/glossaire\/crrem\/\" target=\"_blank\" rel=\"noreferrer noopener\">CRREM<\/a> permettent d\u2019anticiper \u00e0 quel moment un b\u00e2timent risque de devenir \u00ab obsol\u00e8te \u00bb (non conforme aux seuils d\u2019\u00e9missions) selon ses performances actuelles et ses plans de r\u00e9novation.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1696844202172\"><strong class=\"schema-faq-question\"><strong><strong>Efficacit\u00e9 \u00e9nerg\u00e9tique<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Suivre le taux d\u2019am\u00e9lioration (%) de la performance \u00e9nerg\u00e9tique refl\u00e8te directement les \u00e9conomies op\u00e9rationnelles et constitue un <strong>indicateur cl\u00e9 des cadres r\u00e9glementaires et des pr\u00eats verts<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1730717436750\"><strong class=\"schema-faq-question\">\u00c9missions de GES<\/strong> <p class=\"schema-faq-answer\">Mesurer la r\u00e9duction de ces \u00e9missions permet de quantifier l\u2019<strong>impact environnemental des projets financ\u00e9s et leur alignement sur les objectifs climatiques<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1730717448965\"><strong class=\"schema-faq-question\">Green Asset Ratio (GAR)<\/strong> <p class=\"schema-faq-answer\">Le <a href=\"https:\/\/kpmg.com\/fr\/fr\/insights\/banking-capital-markets\/green-asset-ratio-defis.html\" target=\"_blank\" rel=\"noreferrer noopener\">GAR<\/a> est un indicateur r\u00e9glementaire issu de la taxonomie europ\u00e9enne, qui indique <strong>la part des actifs bancaires align\u00e9s sur des objectifs environnementaux<\/strong>. Il est essentiel pour la transparence vis-\u00e0-vis des investisseurs et les obligations de reporting (pilier 3).<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Cadres et normes de reporting<\/h3>\n\n\n\n<p>Ces cadres permettent de tester la r\u00e9silience des portefeuilles de pr\u00eats et de qualifier les financements comme \u00ab verts \u00bb selon des r\u00e9f\u00e9rentiels reconnus.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1696844193953\"><strong class=\"schema-faq-question\"><strong><strong>La taxonomie europ\u00e9en<\/strong><\/strong>ne<\/strong> <p class=\"schema-faq-answer\"><a href=\"https:\/\/www.vie-publique.fr\/questions-reponses\/283166-neutralite-carbone-la-taxonomie-verte-europeenne-en-7-questions\" target=\"_blank\" rel=\"noreferrer noopener\">La taxonomie europ\u00e9enne<\/a> d\u00e9finit des crit\u00e8res scientifiques pour qualifier l\u2019\u00e9ligibilit\u00e9 des activit\u00e9s \u00e9conomiques au financement vert.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1711702935155\"><strong class=\"schema-faq-question\"><strong><strong>The Task Force on Climate-Related Financial Disclosures (<a href=\"https:\/\/www.fsb-tcfd.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">TCFD<\/a>)<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">La <a href=\"https:\/\/www.deepki.com\/fr\/glossaire\/task-force-on-climate-related-financial-disclosures\/\" target=\"_blank\" rel=\"noreferrer noopener\">TCFD<\/a> propose un cadre d\u2019\u00e9valuation et de divulgation de l\u2019impact des risques et opportunit\u00e9s climatiques sur les portefeuilles bancaires.<br\/><span id=\"docs-internal-guid-97e06b95-7fff-5948-58a5-c2c5822c2015\"><div><span style=\"font-size: 11pt; font-family: Roboto, sans-serif; background-color: transparent; font-weight: 700; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline;\"><\/span><\/div><\/span><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1696844202172\"><strong class=\"schema-faq-question\"><strong><strong>Principes applicables aux Obligations Vertes de l\u2019ICMA<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Selon <a href=\"https:\/\/www.icmagroup.org\/assets\/documents\/Sustainable-finance\/Translations\/French-GBP-2021_06-230222.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">ces principes<\/a>, un pr\u00eat vert cr\u00e9dible doit respecter quatre volets : l\u2019affectation des fonds, le processus d\u2019\u00e9valuation, la gestion des fonds et le reporting d\u2019impact, chacun reposant sur des indicateurs cl\u00e9s fiables.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1730717436750\"><strong class=\"schema-faq-question\"><strong>The Partnership for Carbon Accounting Financials<\/strong> (<strong>PCAF<\/strong>)<\/strong> <p class=\"schema-faq-answer\">Il s\u2019agit d\u2019une <a href=\"https:\/\/www.ibm.com\/fr-fr\/topics\/partnership-for-carbon-accounting-financials\" target=\"_blank\" rel=\"noreferrer noopener\">initiative internationale<\/a> visant \u00e0 mesurer et \u00e0 publier les \u00e9missions de GES li\u00e9es aux pr\u00eats et investissements.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"d\u00e9fis-secteur\">Une transition encore sem\u00e9e d&rsquo;obstacles ?&nbsp;<\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Visibilit\u00e9 limit\u00e9e et donn\u00e9es manquantes<\/h3>\n\n\n\n<p>Aux \u00c9tats-Unis, les banques sont expos\u00e9es \u00e0 plus de 1,7 trillion de dollars dans des secteurs vuln\u00e9rables \u00e0 la perte de capital naturel, l\u2019immobilier \u00e9tant l\u2019un des plus expos\u00e9s (<a href=\"https:\/\/www.deloitte.com\/us\/en\/insights\/industry\/financial-services\/sustainable-banking-for-nature-positive-outcomes.html\" target=\"_blank\" rel=\"noreferrer noopener\">Deloitte, 2024<\/a>). Pour <a href=\"https:\/\/coebank.org\/en\/investor-relations\/risk-management\/credit-risk\/\" target=\"_blank\" rel=\"noreferrer noopener\">r\u00e9duire le risque de cr\u00e9dit <\/a>et se prot\u00e9ger en cas de d\u00e9faut, les banques ont besoin de donn\u00e9es fiables sur les actifs qu\u2019elles financent.\u00a0<\/p>\n\n\n\n<p>Pourtant, de nombreuses <a href=\"https:\/\/www.ecb.europa.eu\/press\/blog\/date\/2024\/html\/ecb.blog20241112~8eff6b9405.en.html\" target=\"_blank\" rel=\"noreferrer noopener\">banques peinent encore \u00e0 transformer leurs ambitions en actions concr\u00e8tes<\/a>. Il arrive qu\u2019elles prennent des d\u00e9cisions de financement sans disposer de donn\u00e9es fiables. L\u2019absence de r\u00e9f\u00e9rentiels solides peut conduire soit \u00e0 <strong>surestimer les risques et \u00e0 manquer des opportunit\u00e9s, soit \u00e0 les sous-estimer, exposant les banques \u00e0 des d\u00e9fauts li\u00e9s au climat<\/strong>.<\/p>\n\n\n\n<p>Ces d\u00e9fis sont particuli\u00e8rement marqu\u00e9s pour certaines cat\u00e9gories d\u2019actifs et d\u2019emprunteurs. C\u2019est le cas pour les PME (petites et moyennes entreprises) et les actifs situ\u00e9s dans les march\u00e9s \u00e9mergents (EMS) :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les<strong> PME <\/strong>manquent souvent d\u2019<strong>outils<\/strong>, de <strong>ressources<\/strong> ou d\u2019<strong>incitations<\/strong> pour suivre et d\u00e9clarer leur performance environnementale.<\/li>\n\n\n\n<li><strong>Dans les march\u00e9s \u00e9mergents, <\/strong>les normes de construction sont souvent disparates, l\u2019infrastructure num\u00e9rique insuffisante, et l\u2019acc\u00e8s \u00e0 des audits \u00e9nerg\u00e9tiques certifi\u00e9s ou \u00e0 des consultants sp\u00e9cialis\u00e9s limit\u00e9.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Silos internes et manque d\u2019int\u00e9gration des syst\u00e8mes<\/h3>\n\n\n\n<p>\u00c0 cela s\u2019ajoute un d\u00e9fi organisationnel : de nombreuses banques fonctionnent encore avec des processus cloisonn\u00e9s. Les initiatives durables sont souvent <strong>g\u00e9r\u00e9es par des \u00e9quipes s\u00e9par\u00e9es<\/strong>, utilisant des <strong>outils distincts<\/strong>, <strong>sans lien avec les syst\u00e8mes centraux<\/strong> tels que les mod\u00e8les de risque de cr\u00e9dit, l\u2019octroi de pr\u00eats ou les stress tests (tests de r\u00e9sistance) de portefeuille.<\/p>\n\n\n\n<p>Cette fragmentation emp\u00eache une int\u00e9gration en temps r\u00e9el des risques climatiques dans les d\u00e9cisions de pr\u00eat et dans les mod\u00e8les d\u2019\u00e9valuation automatis\u00e9s. Dans les cas extr\u00eames, le reporting durable se r\u00e9duit \u00e0 un simple exercice technique, d\u00e9connect\u00e9 de la performance financi\u00e8re r\u00e9elle ou de l\u2019exposition au cr\u00e9dit. Le risque est alors double : <strong>non-conformit\u00e9 r\u00e9glementaire <\/strong>et<strong> tarification incorrecte des pr\u00eats<\/strong>.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">D\u00e9calage r\u00e9glementaire : un risque financier croissant<\/h3>\n\n\n\n<p><strong>Ce qui est consid\u00e9r\u00e9 comme un b\u00e2timent \u00ab vert \u00bb dans un pays peut ne pas l\u2019\u00eatre dans un autre<\/strong>. L\u2019absence de norme globale cr\u00e9e une fragmentation r\u00e9glementaire. Certains gouvernements imposent des cadres de reporting obligatoires, comme l\u2019UE avec la SFDR, tandis que d\u2019autres s\u2019appuient sur des directives volontaires ou obsol\u00e8tes.<\/p>\n\n\n\n<p>Cette mosa\u00efque r\u00e9glementaire complique l\u2019harmonisation des mod\u00e8les de cr\u00e9dit \u00e0 l\u2019\u00e9chelle des portefeuilles ou des r\u00e9gions, rendant plus difficile le respect des obligations, <strong>l\u2019\u00e9valuation des impacts et le reporting aux investisseurs<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-right\"><br>Aller plus loin : <a href=\"https:\/\/sustainable-energy-week.ec.europa.eu\/news\/bridging-climate-financing-gap-seizing-opportunity-2024-02-22_en\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Bridging the climate financing gap: seizing the opportunity<\/em><\/a><em> (en anglais)<\/em><\/p>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns has-t-white-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"deepki-for-finance\">G\u00e9rer les \u00e9missions financ\u00e9es de vos actifs immobiliers<\/h3>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-left\">Comment les institutions financi\u00e8res peuvent-elles obtenir une visibilit\u00e9 claire sur la performance environnementale des actifs immobiliers qu\u2019elles financent ?<\/p>\n\n\n\n<p>La Solution <a href=\"https:\/\/www.deepki.com\/fr\/solutions\/finance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Deepki for Finance<\/em><\/strong><\/a><strong> <\/strong>permet aux pr\u00eateurs d\u2019\u00e9valuer, de g\u00e9rer et de communiquer sur les \u00e9missions financ\u00e9es de leurs portefeuilles immobiliers.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Visibilit\u00e9 des donn\u00e9es : <\/strong>collectez et centralisez facilement les donn\u00e9es de performance des b\u00e2timents, et comblez les<a href=\"https:\/\/www.deepki.com\/fr\/blog\/nouveaute-produit-de-deepki-ete-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\"> lacunes gr\u00e2ce \u00e0 l\u2019IA pour une couverture compl\u00e8te<\/a>.<\/li>\n\n\n\n<li><strong>\u00c9valuation des risques :<\/strong> renforcez vos mod\u00e8les de risque climatique et vos scores PCAF, identifiez les <a href=\"https:\/\/www.deepki.com\/fr\/blog\/nouveautes-produit-deepki-printemps-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">expositions physiques et de transition<\/a> et mesurez la r\u00e9silience des garanties.<\/li>\n\n\n\n<li><strong>Reporting :<\/strong> g\u00e9n\u00e9rer des rapports personnalis\u00e9s par fonds, pays, classe d\u2019actifs ou p\u00e9riode, conformes \u00e0 la Taxonomie europ\u00e9enne, la CSRD ou la TCFD.&nbsp;<\/li>\n\n\n\n<li><strong>Planification \u00e0 long terme :<\/strong> projetez les <a href=\"https:\/\/www.deepki.com\/fr\/blog\/nouveautes-deepki-performance-resilience-conformite\/\" target=\"_blank\" rel=\"noreferrer noopener\">trajectoires de d\u00e9carbonation des actifs financ\u00e9s<\/a>. \u00c9valuez les plans des emprunteurs, simulez les besoins de r\u00e9novation et identifiez les leviers pour r\u00e9duire l\u2019exposition future.<\/li>\n\n\n\n<li><strong>Adaptation de la strat\u00e9gie :<\/strong> priorisez les actifs performants&nbsp; et orientez le capital vers des investissements durables en fonction de la qualit\u00e9 des b\u00e2timents, de leur potentiel de d\u00e9carbonation et de leur conformit\u00e9.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left\"><strong>Avec <em>Deepki for Finance<\/em>, les donn\u00e9es deviennent des insights exploitables, transformant vos d\u00e9cisions de financement immobilier en actions concr\u00e8tes et durables.<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>La finance verte s\u2019impose aujourd\u2019hui comme un <strong>indicateur de qualit\u00e9 de cr\u00e9dit<\/strong>, un <strong>levier de rentabilit\u00e9 et un imp\u00e9ratif strat\u00e9gique<\/strong> pour rester comp\u00e9titif dans le paysage financier actuel. Aujourd\u2019hui, n\u00e9gliger la durabilit\u00e9 entra\u00eene non seulement une perte de performance, mais expose \u00e9galement les banques \u00e0 des risques financiers accrus.<\/p>\n\n\n\n<p>La v\u00e9ritable question pour les banques n\u2019est plus de savoir si elles doivent financer des portefeuilles verts, mais si <strong>elles progressent assez vite pour \u00e9valuer et transformer le risque climatique en opportunit\u00e9<\/strong>.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-cover is-light\" style=\"min-height:356px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-t-white-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"801\" height=\"390\" src=\"https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/cover-SF.png\" alt=\"\" class=\"wp-image-99098\" srcset=\"https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/cover-SF.png 801w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/cover-SF-300x146.png 300w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/cover-SF-768x374.png 768w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/cover-SF-144x70.png 144w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/cover-SF-80x39.png 80w, https:\/\/www.deepki.com\/web\/wp-content\/uploads\/2025\/09\/cover-SF-260x127.png 260w\" sizes=\"(max-width: 801px) 100vw, 801px\" \/><\/figure>\n\n\n\n<p class=\"has-medium-font-size\" style=\"font-style:normal;font-weight:100\">WHITE PAPER <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Repenser l\u2019investissement immobilier : quand performance durable rime avec rendement<\/strong><\/h2>\n\n\n\n<p>Ce livre blanc sign\u00e9 Deepki propose aux d\u00e9cideurs une m\u00e9thode concr\u00e8te pour faire de la&nbsp;<strong>r\u00e9novation<\/strong>&nbsp;<strong>\u00e9nerg\u00e9tique<\/strong>&nbsp;un v\u00e9ritable&nbsp;<strong>levier de performance<\/strong>.<\/p>\n\n\n\n<p>D\u00e9couvrez comment articuler objectifs financiers et engagements durables pour faciliter l\u2019acc\u00e8s au capital, et de quelle mani\u00e8re structurer une strat\u00e9gie de r\u00e9novation align\u00e9e avec vos d\u00e9cisions d\u2019investissement. <span id=\"docs-internal-guid-e059cfd3-7fff-a15b-c84a-f7f76464c675\"><span style=\"font-size: 11pt; font-family: Roboto, sans-serif; background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline;\"><\/span><\/span><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-16165478 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/content.deepki.com\/fr\/whitepaper_sustainable_finance?utm_medium=organic&amp;utm_source=blog_cta&amp;utm_campaign=2025_08_FR_WHITEPAPER_SUSTAINABLEFINANCE&amp;utm_content=white_paper&amp;utm_term=fr_green_loans_blog\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9chargez !<\/a><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Seulement 9 % de la dette immobili\u00e8re \u00e9mise au cours des cinq derni\u00e8res ann\u00e9es \u00e9tait labellis\u00e9e durable. Un retard qui expose les institutions financi\u00e8res \u00e0 des risques majeurs : d\u00e9valorisation des actifs, pertes assurantielles, hausse des co\u00fbts li\u00e9s \u00e0 l\u2019inaction. Dans un contexte de pression accrue des r\u00e9gulateurs et des investisseurs, la finance durable n\u2019est [&hellip;]<\/p>\n","protected":false},"author":99,"featured_media":96389,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[122],"tags":[477,833],"class_list":["post-99055","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banques-assurances","tag-finance-verte","tag-prets-verts"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financement vert : un levier incontournable pour les banques ?<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment les pr\u00eats verts aident les banques \u00e0 ma\u00eetriser le risque climatique et \u00e0 am\u00e9liorer la performance de leurs portefeuilles\" \/>\n<meta name=\"robots\" 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