Be part of a new way of banking
Why we need sustainable banking:
We buy organic veggies and green energy. In the meanwhile, the money in our savings account might be financing a new coal power plant. Sad, but true.
Luckily, money can be part of the solution. That’s where we come in. Together with you we make banking sustainable.
We don’t base sustainability on gut feeling. Instead, we have a strict list of criteria for managing where your money goes – and where absolutely not.
96.2 million Euro invested sustainably
0 euro invested in destructive industries
Together we finance positive change.
Learn more about our impact projects.
Providing social and sustainable housing and ensuring quality of life and inclusion
Affordable housing, access to education, and employment opportunities are essential needs. That’s why a part of your money is invested in social bonds. We’re investing 24.2 million Euro in the social bond of the Communauté française de Belgique, 20 million Euro in the social bond of the Région Wallonne and 10 million Euro in the social bond of the European Union.
What is a social bond?
For banks to provide loans, they first need capital. They raise this capital by selling securities, known as bonds, to private investors (like you) or institutional investors (like Tomorrow or our partner, Solaris SE) on the stock market – this process is called refinancing. In return, they must repay the loan principal, with interest, to the bondholder (in this case, Tomorrow or Solaris SE) after a specified period. Reporting on the purpose and the use of funds of the bond and external audits by ESG rating agencies such as Sustainalytics or Vigeo Eiris ensure that the money is used properly.
Social Bonds focus on refinancing projects with positive social impacts. The funds are invested in projects that support social welfare, such as job creation, improved access to education and healthcare, or the promotion of social equity.
What does the social bond of the Communauté française de Belgique (CFB) support?
The social bond of the CFB is a financial product specifically designed to fund projects that create positive social impact. This bond primarily supports the education sector, sports and cultural initiatives, and social inclusion. It aligns with the Social Bond Principles of the International Capital Market Association and the Social Loan Principles of the Loan Market Association.
Tomorrow has invested 24.2 million Euro in the CFB’s social bond to support:
Education: The bond focuses on education at every level – from early childhood to higher education. Investments support educational programs and facilities, including school construction, daycare centers, and vocational training centers. CFB also provides scholarships and loans for students and funds initiatives to improve teaching quality and hire teachers.
Sports and Culture: Another key aim is promoting accessible sports and leisure activities, including programs to prevent doping. CFB also supports greater access to culture, investing in improved infrastructure for museums, theaters, and cultural centers.
Social Inclusion: A major priority is social inclusion, with programs focused on social reintegration and supporting at-risk children and families. Healthcare services for pregnant women and children, such as those provided by the ONE (Office de la naissance et de l'enfance), are also funded through this bond, improving access to healthcare and strengthening social participation.
What does the social bond of the Région Wallonne support? The Région Wallonne’s bond targets programs that reduce social inequality, improve educational opportunities, and strengthen social cohesion. This includes initiatives in Wallonia to increase access to affordable housing, optimize healthcare systems, and create opportunities for marginalized communities. Wallonia also invests in innovative industries, such as climate-friendly technology and sustainable agriculture, which create jobs while contributing to the region’s economic resilience.
In parallel, Wallonia is pursuing a green transformation with a range of sustainable projects. These include renewable energy development, improving energy efficiency, constructing low-carbon buildings, sustainable mobility solutions, and climate adaptation measures. Wallonia also funds social projects that support education and employment, provide affordable housing, and improve access to essential services, such as health centers, preventive care programs, and public infrastructure.
Tomorrow has invested 20 million Euro in a social bond issued by the Région Wallonne, supporting projects like:
Education: A key focus is helping young unemployed individuals transition into the workforce. Job integration programs aim to create long-term employment opportunities, not just entry points into the job market. Financial support is also available for reskilling and career transitions. Another emphasis is on vocational training programs in sectors experiencing skill shortages – helping meet industry needs while ensuring a sustainable future for our economy.
Social Inclusion: Supported initiatives include services for people with disabilities, the homeless, and the elderly. These programs also enhance access to housing, food, legal services, recreational activities, and digital platforms. Funding goes toward shelters, community centers, and regional facilities that aid people with migration backgrounds in their integration process.
Affordable Housing: Social housing receives financial support to increase affordable options for low-income households and large families. Social credit programs help people with low incomes purchase homes, even if traditional bank loans are out of reach. Incentives for housing renovation include interest-free loans and subsidies for energy efficiency measures, ensuring access to affordable and sustainable housing for the future.
Infrastructure and Healthcare: Investments prioritize public transport and accessible infrastructure for people with disabilities. Additional funds support health prevention programs, rural health centers, and expanded home care services for outpatients, seniors, and people with disabilities. The initiative also funds R&D in healthcare, along with investments in nursing homes and hospitals.
What does the European Union’s Social Bond support?
A core goal of the EU's social bond is to support the management of crisis situations while fostering long-term social and economic resilience. As an investor in the EU SURE Social Bond, Tomorrow helps to support key measures addressing the economic and social challenges, such as those posed by the COVID-19 pandemic.
The Social Bond aims to assist EU Member States with favorable loans to address the sudden and significant increase in public expenditures needed to preserve employment during the pandemic. This instrument finances a wide range of initiatives to promote job retention and mitigate income losses across the Member States. The financial support is specifically channeled into national short-time work schemes and similar measures to protect jobs and support self-employed individuals in preventing income losses caused by economic disruptions.
Tomorrow has invested 10 million euros in an European Union’s Social Bond, supporting the following example projects:
Short-Time Work Schemes: These initiatives help employers retain employees with reduced working hours instead of laying them off. Governments compensate workers for the income lost due to reduced hours.
Income Support for the Self-Employed: The bond funds programs to assist self-employed individuals whose income has been severely impacted by the pandemic.
Complementary Employment Protection Measures: In addition to short-time work schemes, the bond also supports wage subsidy programs, training initiatives, and measures to help businesses retain their workforce.
Health-Related Spending: A portion of the funds is directed towards addressing the immediate healthcare emergencies related to the pandemic.
Strong communities, healthy ecosystems, and a resilient economy
A sustainable future needs strong communities, healthy ecosystems, and a resilient economy.
That’s exactly what sustainability bonds aim to achieve. These bonds finance projects that link social and environmental goals – from affordable housing and education to climate-friendly infrastructure. We’ve invested 9.5 million Euro in the Comunidad de Madrid’s sustainability bond to support this mission.
What is a sustainability bond?
To provide loans, banks need capital. They raise this capital from private investors (like you) or institutional investors (like Tomorrow, or our partner, Solaris SE) by selling securities known as bonds on the stock exchange – a process called refinancing. In return, they must repay the loan, with interest, to the bondholder (in this case, Tomorrow or Solaris SE) after a set term. Reporting on the purpose and the use of funds of the bond and external audits by ESG rating agencies such as Sustainalytics or Vigeo Eiris ensure that the money is used properly.
Sustainability bonds are designed to refinance projects with positive social and environmental impacts. They support sustainable development, help combat the climate crisis, strengthen environmental protection, and promote social justice. This can involve financing renewable energy projects, building energy-efficient infrastructure, promoting sustainable water management, or supporting initiatives in health and education. Sustainability bonds combine the strengths of social bonds and green bonds, funding projects that address both social and environmental needs.
What is a green bond?
Green Bonds focus on refinancing environmentally friendly projects. This could include investments in renewable energy, energy efficiency, sustainable land use, or water management.
What is a social bond?
Social Bonds, on the other hand, focus on refinancing projects with positive social impacts. The funds are invested in projects that support social welfare, such as job creation, improved access to education and healthcare, or the promotion of social equity.
What does the Comunidad de Madrid’s sustainability bond support?
The sustainability bond of the Comunidad de Madrid funds projects aimed at greater social and environmental equity, guided by their Sustainability Finance Framework. Aligned with the United Nations Sustainable Development Goals (SDGs) and the EU’s environmental objectives, these bonds create real impact: they strengthen social cohesion and address ecological challenges – always with an eye toward a future built on a climate-friendly and fair economy.
Tomorrow has invested 9.5 million Euro in the Comunidad de Madrid’s sustainability bond, supporting:
Education: These bonds fund education and training programs that create real opportunities for underprivileged groups. The goal is to improve job prospects and support social mobility.
Healthcare: The bonds target projects that enhance public healthcare facilities and infrastructure. This strengthens healthcare access for everyone, regardless of social background.
Social Inclusion: Programs are funded to support particularly vulnerable groups, such as survivors of gender-based violence or individuals at risk of social exclusion, reinforcing social cohesion. For example, these initiatives provide essential resources like social, psychological, and legal counseling to help women and children in crisis situations.
Economic Inclusion and Funding for Small and Medium-Sized Enterprises (SMEs): Small and medium-sized businesses are the backbone of a fair economy. These bonds support SMEs through targeted funding, creating new jobs and promoting economic inclusion. By supporting regional businesses, they contribute to strengthening local economies.
Climate and Environmental Management: The bonds back environmentally friendly projects such as clean transportation, innovative waste management, and biodiversity protection.
(Additional) financing of institutions and companies with business practices that are in line with the SDGs
To build a secure and sustainable future for all, institutions and companies need a foundation of stable planning to make meaningful progress quickly. But with multiple crises unfolding, this stability is increasingly difficult to achieve. That’s why some of our customers' deposits are directed into regular bonds that are aligned with the UN’s SDGs, providing broad-based financial support to various institutions. We’re investing 32.5 million Euro in a regular bond from the Nordic Investment Bank (NIB).
What is a regular bond? For banks to provide loans, they first need capital. They raise this by selling securities, known as bonds, to private investors (like you) or institutional investors (like Tomorrow or our partner Solaris SE) on the stock market – this process is called refinancing. In return, the banks repay the bondholder (in this case, Tomorrow or Solaris SE) the capital plus interest after a specified period. Tomorrow exclusively purchases bonds where funds are used to support sustainable development. However, funds from unrestricted bonds aren’t allocated to specific projects, allowing institutions to support a range of areas.
What does the Nordic Investment Bank’s bond support? NIB aims to foster projects that facilitate the transition to a climate-friendly and sustainable future. The bank places a strong emphasis on transparency, publicly disclosing all loans granted. NIB helps its member countries meet their environmental and climate targets by focusing on emission reductions, renewable energy development, and resilience against climate impacts. Additionally, the bank supports building and upgrading sustainable infrastructure to optimize energy consumption and reduce environmental impact. NIB also promotes economic productivity by investing in companies and initiatives that strengthen competitiveness in the Nordic and Baltic regions and enable sustainable economic growth. Key investment areas include renewable energy, energy efficiency, and clean technology. In the transport sector, they support low-emission, efficient infrastructure, while in industry and services, they foster sustainable production processes and social innovation. Water management is another priority, with projects focused on improving water quality and sustainable water use.
Tomorrow has invested 32.5 million Euro in a bond from the Nordic Investment Bank, supporting projects like:
Wind and solar farms to reduce reliance on fossil fuels.
Electric mobility solutions to improve air quality in cities.
Wastewater system upgrades to improve water quality and public health.
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Note: Our partner Solaris SE is the provider of all banking services. Additionally Tomorrow GmbH offers the brokerage of the above-mentioned investment product as a tied agent within the meaning of § 3 para 2 WpIG in the name and for the account of lemon.markets brokerage GmbH and is entered in the public register maintained by the German Federal Financial Supervisory Authority (BaFin). The register can be viewed at https://portal.mvp.bafin.de/database/VGVInfo/vermittlerSucheForm.do.