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Investment and funding criteria

Banking shouldn’t cost the world

Honestly, the world can’t just be divided into good and bad. But we can see when someone leaves a positive footprint rather than scorched earth.

Tomorrow stands for the future - quite literally. We dream of a future in which no one needs to fear for their basic human rights. A future in which everyone has access to clean water, sanitary facilities, safe housing, and medical care. A future in which we use natural resources responsibly and appreciate nature and animals. A future in which fair, sustainable management is the rule, not the exception. A future in which technology unburdens us from all those annoying tasks and enables us to learn new things and follow a purpose. In short, a future in which we all want to live together.

That’s why we base our work on the Sustainable Development Goals of the United Nations, which we have divided into five categories: ensuring basic needs, empowerment, climate protection, nature, and fairness. Only companies and projects contributing to these challenges will be eligible for funding from us.

We assess the company’s current, evident-based ecological, social and ethical performance. Only if the overall assessment is positive, a company can receive funding.

The final evaluation is done by our external Impact Council, whose members are independent and interdisciplinary. Only if they approve of our evaluation the company or project is added to our investment portfolio. This way we ensure that every single investment meets our standards and contributes to solving the complex challenges of our times. 

We currently offer a debit account (without interests) and a stock based investment fund. In addition, we invest our customer deposits. Therefore, the following criteria currently apply to all our investments in stocks and bonds. If we add more products to our portfolio in the future, we will further develop these criteria (for example to add criteria for countries and other financial services).

The following positive and negative criteria apply to all our investment decisions and project fundings.

We will continuously refine them in accordance with current advancements in standards and technologies.

We apply the following criteria to the respective company or investment project. In addition, we check that all essential members of the value chain (such as suppliers, sub contractors, investors, and project developers) meet our criteria. We, therefore, ask companies to include respective clauses in their contracts with suppliers and subcontractors. 

Positive criteria:

Money can be part of the solution if we invest it in future-oriented projects. Therefore, we chose companies and industries for investments based on the following positive criteria. Only this way can we safeguard our future in the long run.

Ensuring basic needs

Empowerment

Climate protection

Nature

Fairness

Exclusion criteria:

Now that we have talked about how we envision the world in the future, we as well need to have a look at what we want to leave behind us. We do not invest in industries which operate at the expense of future generations. The following criteria are strictly exclusionary. We will not invest a single cent in companies and industries which violate these criteria.

Ensuring basic needs

Empowerment

Climate protection

Nature

Fairness

Note: A guide to our disclosure of interactions and engagement in the context of the Tomorrow Better Future Stocks fund is available here.