The Netherlands is moving towards a new, EPBD IV-aligned EPC layout . Compared to the current (“old”) label, the draft new label  is designed to be more decision-ready: it keeps the familiar A++++ to G scale , but adds a clearer set of standardised indicators  and more granular information about what drives the score  and what to improve . The version shown is still a draft  and may change. What changes from old → new (draft): From one score to a small dashboard.  Next to the

EEM HUB NL shares this ECB Occasional Paper “Nature at risk: Implications for the euro area economy and financial stability”  because it translates nature degradation  into quantified macroeconomic and banking-sector risk  — and makes a strong case that water-related risks  are emerging as a core financial-stability topic (not just an “E” side note).  The paper introduces a Nature Value-at-Risk (NVaR)  framework that links ecosystem-service degradation (18 services) to sector

EEM HUB NL shares the ECB’s Climate and Nature Plan 2024–2025  and the accompanying ECB press release (16 January 2026), as they show how climate- and nature-related risks are being integrated into the ECB’s core work — with direct relevance for banks’ data capabilities, risk management and disclosures. The ECB’s update underlines that climate considerations are increasingly embedded  across monetary policy operations and portfolio management, banking supervision, and the ECB

EEM HUB NL shares this Ecorys report (commissioned by NVDE , 9 Dec 2025) on the costs of the Netherlands not meeting its 2030 EU targets  for renewable energy generation  and final energy savings . The study, based on PBL’s Climate and Energy Outlook (KEV), concludes that under current policy the Netherlands is not on track : renewables are projected at 32% in 2030 vs an indicative 39% contribution , leaving a 124 PJ gap  in 2030, while energy savings also fall short with a 1

EEM HUB NL shares this open-access study (Ecological Economics, 2026) on socio-ecological inequalities in housing-related carbon footprints in the Netherlands . Using CBS register data, mobility survey data and life-cycle inventories, the authors show that per-person housing footprints differ sharply by income  and are heavily shaped by urban form and mobility : higher-income households tend to live in lower-density areas , which drives car-related emissions . The paper also

EEM HUB NL shares this open-access academic paper on physical climate risk and bank loan pricing . Using a global dataset of ~86,000 syndicated loans (1996–2022), the study finds that firms located in more climate-vulnerable countries face higher borrowing costs —with the effect strongest for longer-maturity loans  and financially distressed firms . Banks also tighten other terms (e.g., collateral requirements, covenants, fees) as physical risk increases, and the paper shows

This text describes a deliverable produced within the OneClickReno  project. EEM HUB NL reads it as a methodological paper that supports the automated creation of Building Renovation Passports (BRPs) —as required under Annex VIII of the EPBD recast —with a particular focus on dwellings . The deliverable explains how renovation “roadmaps” (BRPs) are broken down into renovation steps , each containing one or more Energy Conservation Measures (ECMs)  aimed at moving buildings to

Now that the EU has finalised the Sustainability Omnibus, EEM HUB NL reviewed an ING analysis on what the changes could mean for European banks. ING’s main message is that the package may reduce the reporting burden for organisations that fall out of scope, but it could also make ESG disclosures more complex for banks that remain in scope. Background (as described by ING) At the start of 2025, the European Commission proposed a major overhaul of the EU’s sustainability report

This guideline outlines elements of good advisory practice as described by the AFM. It serves as an example of how an advisor can meet the legal requirements for providing suitable advice. This is a market consultation aimed at improving the guideline using insights from the Dutch mortgage market.

This document examines sustainability progress in the built environment, emphasizing the need for collaboration among residents, market parties, municipalities, corporations, and the national government to meet sustainability goals. Progress is stagnating, with new construction in 2024 lower than previous years due to economic conditions, capacity issues, and regulations. There has been only a limited increase in the percentage of natural gas-free homes. Energy prices remain

Over the past weeks, EEM HUB NL has contributed to the European Commission’s consultation on the “Energy-efficient buildings – portfolio framework to increase lending for renovations (delegated act)”. In our response, we focused on questions 12–25, reflecting the perspective of Dutch mortgage lenders and other financial institutions. Our input highlights, among others: - The current limitations in data availability and quality (e.g. reliance on EPC/EP-Online and the lack of a