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Sustainable Finance

National register of energy performance certificates: a key development for Luxembourg’s banking sector

Published on 20 October 2025

Luxembourg’s forthcoming national register of energy performance certificates (EPCs) will not only make life easier for property owners and tenants: it will also have major implications for banks and financial institutions.

Summary

    A new data source for sustainable finance reporting

    For financial institutions, EPCs are increasingly critical. Under the EU’s sustainable finance framework, banks must assess and report on the energy performance and carbon footprint of the real estate they finance.

    Financial institutions with real estate exposures must be transparent about the carbon footprint of their assets. To do so, they rely on EPC data, and the new register will make this process more efficient, reliable and consistent.

    Thomas Collin

    Adviser – Regulatory Reporting & ESG

    Older loans remain a blind spot

    While EPCs are now systematically required for new mortgage loans, the legacy stock of older real estate loans remains a challenge. Many of these were issued before EPCs became mandatory in 2008, leaving banks with limited data.

    This gap will remain despite the launch of the national register, which would however allow for automatised data flows to feed energy performance information into banking systems for newly granted loans once data protection arrangements are finalised.

    A shared effort toward digitalisation

    By automating data exchange and reducing manual administrative processes, the project will support both public authorities and the financial sector. The ABBL is working in constructive dialogue with the Ministry of the Economy to ensure that the new system meets regulatory, technical and data protection requirements.

    Ultimately, the initiative will contribute to Luxembourg’s broader energy transition while strengthening the capacity of financial institutions to measure and manage their environmental impact.

    This article is based on reporting by Delano / Paperjam – “Certificat énergétique: ce qui va changer pour vous”