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Impact Report | February 2021

Published March 14th, 2021

Our Impact Report is a compact monthly update that keeps you up to date on our progress. This is where you’ll find all the latest facts and figures about our projects in February.

Your money is our capital – for change

Your money is our capital. Unlike at many other conventional banks, it is not invested in the arms industry, factory farming or coal-fired power plants. So the more money we take away from these banks, the better. Money, after all, needs to be part of the solution, not the problem.

The more money that is paid into our accounts, the more good we can do. In the month of January, our customers had a total of

in their Tomorrow accounts. That is equivalent to around:

Approximately 28 times the price of a concert of the Rolling Stones, they gave on a privat party for bankers of the Deutsche Bank.

13,400,000 euros of which

are being invested in two “Green Bonds” to develop renewable energies.

6,000,000 euros of which

are being invested in a “Social Bond” to create social housing.

50,000 euros of which

we invested in micro-loans that are mainly helping small-scale entrepreneurs in the Global South to become self-sufficient.

And 0 cents

are invested in the arms industry, factory farming or coal-fired power plants.

Our joint contribution to protecting the climate

Every time you use your Tomorrow card in a store, a small fee is paid to us by the retailer. But instead of pocketing the money for ourselves like other banks do, we are investing it in a forest protection project in Brazil. The more often you pay using your Tomorrow card, the more square metres of rainforest are protected.

square metres of rainforest were protected in february thanks to the climate protection contribution. That is equivalent to around

... ten times the area of the German theme park „Europapark".

The Amazon is the world’s largest, intact rainforest and the climate protection contribution is helping to preserve it. The money is being donated to a forest protection project in Portel, Brazil, with the area we are protecting growing every month. That means we protected a total of


square metres of rainforest in the month of February.


trees were preserved.


kilograms of CO₂ were bound.

Offset your carbon footprint with Tomorrow Zero

With Tomorrow Zero, our premium account, you can offset your ecological impact. The more of our users who switch to Zero, the more CO₂ will be offset. Together we can make a significant change.

kilograms of CO₂ were offset by Tomorrow Zero in the month of February. That is equivalent to around:

3,513,542 times the quantity of the CO₂ emission, which are emitted by the cultivation, transport and storage of one kg of avocados (0,846 kg). One avocao icon stands for factor 100.000

With every Tomorrow Zero account, we compensate for as much CO₂ as the average German emits in a year: around 11 tonnes a year. Specifically, we are currently funding two climate protection projects; the biogas plants project in Vietnam is now fully financed.


kilograms of CO₂ were offset in the month of February with Zero.


kilograms by supporting small-scale farmers in Peru and protecting the rainforest.


kilograms by providing access to clean drinking water in Uganda. This removes the need to boil water over an open fire, which is harmful to the environment.

Tomorrow and the Sustainable Development Goals

In 2015 the United Nations defined a set of global goals for sustainable development: the Sustainable Development Goals (SDGs). Tomorrow is committed to these SDGs. In each of our Impact Reports we will pick out one of the goals and explain in more detail how we are contributing to fulfilling it.

SDG 9: How Tomorrow is contributing to industries, innovation and infrastructure

We ensure that our climate protection projects aren’t just for the good of the climate, but also for the good of the people. Our Green Bonds, which we invest some of our customer deposits in, are helping to achieve SDG 9. The Green Bond of NRW Bank, for example, grants low-interest loans to help finance investments in energy infrastructure and increase energy and resource-efficiency. It also contributes to closing material cycles, reducing or avoiding wastewater loads, wastewater in general and commercial and industrial waste. Not to mention the reduction of noise and pollutant emissions and the renovation of buildings to increase their energy-efficiency.

The Green Bond of the NIB promotes various projects that are having positive effects on energy efficiency, renewable energies and clean transport, as well as on energy transmission, distribution and storage systems and water management and protection.

In February, our climate-neutral premium account Tomorrow Zero turned one! To celebrate, we organised various initiatives that help us offset another 876,000 kg of CO₂ together with you! Such as a project in the east of Nicaragua that is reforesting a native species of bamboo and protecting the forest. It is therefore helping to curb global warming by reducing deforestation, as well as promoting adaptation to climate change, reducing temperatures, creating microclimates, enabling low-emission business operations and supporting vulnerable communities. Thank you – you’re all fantastic!