There are two approaches to complex issues: you either steer clear of them, or you engage and strive to bring about change. ABN AMRO has opted for “improve” rather than “exclude”.

This means encouraging our clients to acknowledge situations that need improving and to be willing to work towards improving their sustainability performances within a given time period. Such improvements may be written as conditions into loan agreements. And we may decide to end the relationship if a client fails to make clear progress.